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Financials · PRAA

PRA Group Inc. (PRAA) financials

For the twelve months ended Sep 30, 2026, PRA Group Inc. reported $1.31B of revenue and $157.55M of net income.

Revenue, TTM
$1.31B
Revenue growth, YoY
+12.5%
Net income, TTM
$157.55M
Net margin
12.1%
Free cash flow, TTM
-$49.16M
EPS, diluted, TTM
$4.10
Cash
$139.10M
Total debt
$3.71B
P/E
2.86
P/S
0.34
Market cap
$450.3M
Annual revenue$1.20B
FY2016FY2025
Annual net income-$305.14M
FY2016FY2025
Annual free cash flow-$90.36M
FY2016FY2025

PRAA revenue and earnings growth

PRAA revenueQ3 2026$286.27M

Quarter YoY
-8.0%
QoQ
-23.1%
FY YoY
+7.8%
5Y CAGR
+2.4%
10Y CAGR
+2.5%

PRAA revenue was $286.27M in fiscal Q3 2026 (ended Sep 30, 2026), down 8.0% from a year earlier and down 23.1% from the prior quarter. For the full fiscal 2025 it was $1.20B, up 7.8% from fiscal 2024. Compound annual growth was +2.4% over 5 years and +2.5% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

PRAA net incomeQ3 2026$14.89M

QoQ
-74.3%

PRAA net income was $14.89M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$407.70M a year earlier and down 74.3% from the prior quarter. For the full fiscal 2025 it was -$305.14M, compared with $70.60M in fiscal 2024.

PRAA EPSQ3 2026$0.39

QoQ
-74.2%

PRAA diluted EPS was $0.39 in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$10.43 a year earlier and down 74.2% from the prior quarter. For the full fiscal 2025 it was -$7.79, compared with $1.79 in fiscal 2024.

PRAA free cash flowQ3 2026-$22.66M

PRAA free cash flow was -$22.66M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$11.35M a year earlier. For the full fiscal 2025 it was -$90.36M, compared with -$98.64M in fiscal 2024.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$1.20B$1.11B$802.55M$966.52M$1.10B$1.07B$1.02B$908.26M$828.21M$930.60M
Operating income-$30.27M$339.73M$100.49M$285.80M$375.00M$349.70M$247.69M$185.26M$213.73M$219.75M
Interest expense--$194.67M$132.91M$125.23M$142.73M$144.16M$124.21M$103.65M$85.91M
Pre-tax income-$243.24M$109.61M-$82.89M$154.78M$250.33M$208.94M$117.36M$89.50M$160.27M$135.63M
Income tax$46.73M$21.03M-$16.13M$36.79M$54.82M$41.20M$19.68M$13.76M-$10.85M$43.58M
Net income-$305.14M$70.60M-$83.48M$117.15M$183.16M$149.34M$86.16M$65.56M$164.31M$86.25M
EPS, basic-$7.79$1.79-$2.13$2.96$4.07$3.28$1.90$1.45$3.60$1.86
EPS, diluted-$7.79$1.79-$2.13$2.94$4.04$3.26$1.89$1.44$3.59$1.86
Diluted shares39.2M39.5M39.2M39.9M45.3M45.9M45.6M45.4M45.8M46.4M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$104.41M$107.43M$112.53M$84.76M$89.07M$121.05M$123.81M$98.69M$120.52M$94.29M
Goodwill$26.87M$396.36M$431.56M$435.92M$480.26M$492.99M$480.79M$464.12M$526.51M$499.91M
Total assets$5.10B$4.93B$4.53B$4.18B$4.37B$4.45B$4.42B$3.91B$3.70B$3.16B
Total debt$3.70B$3.33B$2.91B$2.49B$2.61B$2.66B$2.81B$2.47B$2.17B$1.78B
Total liabilities$4.06B$3.74B$3.29B$2.89B$3.04B$3.08B$3.20B$2.78B$2.55B$2.24B
Shareholders' equity$979.85M$1.19B$1.24B$1.29B$1.32B$1.36B$1.23B$1.12B$1.14B$918.32M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow-$85.54M-$94.59M-$97.53M$21.59M$84.92M$141.70M$133.39M$80.87M$15.47M$205.90M
Capital expenditures$4.82M$4.04M$2.89M$13.25M$11.21M$17.23M$18.03M$20.52M$22.84M$14.16M
Free cash flow-$90.36M-$98.64M-$100.42M$8.34M$73.71M$124.47M$115.36M$60.34M-$7.37M$191.74M
Investing cash flow-$59.94M-$382.47M-$234.86M$120.45M$160.38M$115.00M-$441.19M-$387.25M-$294.96M-$317.51M
Financing cash flow$115.97M$490.84M$355.30M-$121.34M-$262.81M-$252.10M$339.52M$294.93M$295.70M$94.41M
Share repurchases$20.00M$0$0$111.37M$200.89M$0$0$0$44.91M$0
Stock-based compensation$15.91M$13.47M$11.10M$13.05M$15.94M$14.39M$10.72M$8.52M$8.68M$6.14M
Depreciation and amortization$8.80M$10.60M$13.10M$14.90M$15.10M$15.60M$15.90M$15.10M$15.40M$18.20M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY7.8%38.9%-17.0%-11.8%2.8%4.8%12.0%9.7%-11.0%-1.2%
Net income growth, YoY----36.0%22.6%73.3%31.4%-60.1%90.5%-48.6%
EPS growth, YoY----27.2%23.9%72.5%31.3%-59.9%93.0%-46.4%
Operating margin-2.5%30.5%12.5%29.6%34.2%32.8%24.4%20.4%25.8%23.6%
Net margin-25.4%6.3%-10.4%12.1%16.7%14.0%8.5%7.2%19.8%9.3%
Free cash flow margin-7.5%-8.9%-12.5%0.9%6.7%11.7%11.3%6.6%-0.9%20.6%
Return on equity-31.1%5.9%-6.7%9.1%13.8%11.0%7.0%5.8%14.4%9.4%
Return on assets-6.0%1.4%-1.8%2.8%4.2%3.4%1.9%1.7%4.4%2.7%
Debt to equity3.772.792.351.941.971.962.292.201.901.94

Source: XBRL data PRA Group Inc. files with the SEC, latest filing dated Nov 9, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 3-for-1, first reported Aug 2, 2013.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PRAA peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PRAA$1.31B+12.5%$157.55M12.1%$450.3M
ECPG$1.99B+27.2%$350.91M17.7%$2.25B
AGM$466.89M+16.1%$238.21M51.0%$1.88B
JCAP$659.62M+22.8%$155.02M23.5%$1.13B

PRAA FAQ

8 questions
  • What is PRAA revenue?
    PRA Group Inc. (PRAA) reported $1.31B of revenue for the twelve months ended Sep 30, 2026. That is up 12.5% from the year before. Revenue for fiscal 2025 was $1.20B.
  • Is PRAA profitable?
    Yes. PRA Group Inc. earned $157.55M in net income for the twelve months ended Sep 30, 2026, a net margin of 12.1%.
  • How much cash and debt does PRAA have?
    PRA Group Inc. reported $139.10M in cash and cash equivalents and $3.71B of debt on its most recent balance sheet in SEC filings.
  • How fast is PRAA revenue growing?
    PRA Group Inc.'s revenue changed +7.8% in fiscal 2025, to $1.20B. Its compound annual growth rate was +2.4% over 5 years and +2.5% over 10 years.
  • What is PRAA free cash flow?
    PRA Group Inc. generated -$49.16M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of -$43.83M less capital expenditures.
  • What is PRAA earnings per share?
    Diluted earnings per share were $4.10 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PRAA last report financial results?
    The latest statements here come from PRA Group Inc.'s 10-Q filed on Nov 9, 2026, covering the period ended Sep 30, 2026.
  • Where does this PRAA financial data come from?
    Quantisnow builds these statements from the structured XBRL data PRA Group Inc. files with the SEC. It is provided for information only and is not investment advice.