Pra Group Inc Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Pra Group Inc has an operating margin of 30.5%, meaning the company retains $30 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 12.5% the prior year.
Pra Group Inc's revenue surged 38.9% year-over-year to $1.1B, reflecting rapid business expansion. This strong growth earns a score of 100/100.
Pra Group Inc has elevated debt relative to equity (D/E of 3.29), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
While Pra Group Inc generated -$94.6M in operating cash flow, capex of $4.0M consumed most of it, leaving -$98.6M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Pra Group Inc generates a 6.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100.
Pra Group Inc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Pra Group Inc generates $-1.34 in operating cash flow (-$94.6M OCF vs $70.6M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Pra Group Inc earns $1.4 in operating income for every $1 of interest expense ($339.7M vs $238.6M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
This page shows Pra Group Inc (PRAA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Pra Group Inc generated $1.1B in revenue in fiscal year 2024. This represents an increase of 38.9% from the prior year.
Pra Group Inc's EBITDA was $350.3M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 208.4% from the prior year.
Pra Group Inc generated -$98.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 1.8% from the prior year.
Pra Group Inc reported $70.6M in net income in fiscal year 2024. This represents an increase of 184.6% from the prior year.
Pra Group Inc earned $1.79 per diluted share (EPS) in fiscal year 2024. This represents an increase of 184.0% from the prior year.
Pra Group Inc held $105.9M in cash against $0 in long-term debt as of fiscal year 2024.
Pra Group Inc had 40M shares outstanding in fiscal year 2024. This represents an increase of 0.7% from the prior year.
Pra Group Inc's operating margin was 30.5% in fiscal year 2024, reflecting core business profitability. This is up 18.0 percentage points from the prior year.
Pra Group Inc's net profit margin was 6.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 16.7 percentage points from the prior year.
Pra Group Inc's ROE was 6.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.
Pra Group Inc spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
Pra Group Inc invested $4.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 40.1% from the prior year.
PRAA Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $311.1M+8.2% | $287.7M+6.7% | $269.6M-8.1% | $293.2M+3.2% | $284.2M+11.2% | $255.6M+15.4% | $221.4M+2.3% | $216.4M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | -$315.5M-470.7% | $85.1M+14.1% | $74.6M-20.8% | $94.1M+5.5% | $89.2M+34.4% | $66.4M+45.8% | $45.5M+5.8% | $43.0M |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | $325.4M+757.8% | -$49.5M |
| Income Tax | $24.4M+58.0% | $15.4M+257.5% | $4.3M-59.4% | $10.6M+22.0% | $8.7M+264.7% | $2.4M+392.4% | -$816K-145.6% | $1.8M |
| Net Income | -$407.7M-1062.2% | $42.4M+1058.1% | $3.7M-80.2% | $18.5M-14.2% | $21.5M+519.2% | $3.5M+139.6% | -$8.8M+28.4% | -$12.3M |
| EPS (Diluted) | $-10.43-1065.7% | $1.08+1100.0% | $0.09-80.9% | $0.47-13.0% | $0.54+500.0% | $0.09+140.9% | $-0.22+29.0% | $-0.31 |
PRAA Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.0B-8.0% | $5.4B+5.6% | $5.1B+4.4% | $4.9B+5.8% | $4.7B+4.0% | $4.5B-1.0% | $4.5B+4.5% | $4.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $107.5M-18.3% | $131.6M+2.3% | $128.7M+21.4% | $105.9M-10.9% | $118.9M+10.0% | $108.1M-3.9% | $112.5M+7.0% | $105.2M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $26.9M-93.9% | $439.4M+4.5% | $420.7M+6.1% | $396.4M-4.6% | $415.6M+0.9% | $411.8M-4.6% | $431.6M+4.6% | $412.5M |
| Total Liabilities | $4.0B-0.6% | $4.0B+4.4% | $3.9B+3.5% | $3.7B+8.1% | $3.5B+5.3% | $3.3B0.0% | $3.3B+4.6% | $3.1B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $928.5M-30.6% | $1.3B+9.7% | $1.2B+7.4% | $1.1B-0.9% | $1.1B+1.4% | $1.1B-3.2% | $1.2B+4.6% | $1.1B |
| Retained Earnings | $1.2B-25.4% | $1.6B+2.7% | $1.6B+0.2% | $1.6B+3.0% | $1.5B+1.4% | $1.5B+0.2% | $1.5B-0.6% | $1.5B |
PRAA Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$10.1M+21.5% | -$12.9M+75.4% | -$52.6M-222.5% | $42.9M+245.6% | -$29.5M+59.6% | -$73.0M-452.0% | $20.7M+155.4% | -$37.4M |
| Capital Expenditures | $1.2M-5.0% | $1.3M+42.0% | $900K-22.7% | $1.2M-12.9% | $1.3M+170.1% | $495K-14.8% | $581K-52.2% | $1.2M |
| Free Cash Flow | -$11.3M+20.0% | -$14.2M+73.5% | -$53.5M-228.0% | $41.8M+235.5% | -$30.8M+58.1% | -$73.5M-464.6% | $20.2M+152.2% | -$38.6M |
| Investing Cash Flow | $16.4M+282.1% | -$9.0M+63.0% | -$24.4M+87.7% | -$198.6M-78.3% | -$111.4M-832.4% | $15.2M+127.5% | -$55.3M+35.4% | -$85.6M |
| Financing Cash Flow | -$31.3M-254.6% | $20.3M-76.3% | $85.6M-40.4% | $143.8M-4.8% | $151.0M+185.9% | $52.8M+95.3% | $27.0M-77.4% | $119.8M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $0 | N/A | N/A | $0 | N/A | N/A | $0 | $0 |
PRAA Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | -101.4%-131.0pp | 29.6%+1.9pp | 27.7%-4.4pp | 32.1%+0.7pp | 31.4%+5.4pp | 26.0%+5.4pp | 20.6%+0.7pp | 19.9% |
| Net Margin | -131.0%-145.8pp | 14.7%+13.4pp | 1.4%-4.9pp | 6.3%-1.3pp | 7.6%+6.2pp | 1.4%+5.3pp | -4.0%+1.7pp | -5.7% |
| Return on Equity | N/A | 3.2%+2.9pp | 0.3%-1.3pp | 1.6%-0.3pp | 1.9%+1.6pp | 0.3% | N/A | N/A |
| Return on Assets | -8.2%-8.9pp | 0.8%+0.7pp | 0.1%-0.3pp | 0.4%-0.1pp | 0.5%+0.4pp | 0.1%+0.3pp | -0.2%+0.1pp | -0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 4.32+1.3 | 3.02-0.2 | 3.17-0.1 | 3.29+0.3 | 3.02+0.1 | 2.91+0.1 | 2.820.0 | 2.81 |
| FCF Margin | -3.6%+1.3pp | -4.9%+14.9pp | -19.8%-34.1pp | 14.2%+25.1pp | -10.8%+17.9pp | -28.8%-37.9pp | 9.1%+27.0pp | -17.9% |
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Frequently Asked Questions
What is Pra Group Inc's annual revenue?
Pra Group Inc (PRAA) reported $1.1B in total revenue for fiscal year 2024. This represents a 38.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Pra Group Inc's revenue growing?
Pra Group Inc (PRAA) revenue grew by 38.9% year-over-year, from $802.6M to $1.1B in fiscal year 2024.
Is Pra Group Inc profitable?
Yes, Pra Group Inc (PRAA) reported a net income of $70.6M in fiscal year 2024, with a net profit margin of 6.3%.
What is Pra Group Inc's earnings per share (EPS)?
Pra Group Inc (PRAA) reported diluted earnings per share of $1.79 for fiscal year 2024. This represents a 184.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Pra Group Inc's EBITDA?
Pra Group Inc (PRAA) had EBITDA of $350.3M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is Pra Group Inc's operating margin?
Pra Group Inc (PRAA) had an operating margin of 30.5% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Pra Group Inc's net profit margin?
Pra Group Inc (PRAA) had a net profit margin of 6.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Pra Group Inc's return on equity (ROE)?
Pra Group Inc (PRAA) has a return on equity of 6.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Pra Group Inc's free cash flow?
Pra Group Inc (PRAA) generated -$98.6M in free cash flow during fiscal year 2024. This represents a 1.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Pra Group Inc's operating cash flow?
Pra Group Inc (PRAA) generated -$94.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Pra Group Inc's total assets?
Pra Group Inc (PRAA) had $4.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Pra Group Inc's capital expenditures?
Pra Group Inc (PRAA) invested $4.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Pra Group Inc have outstanding?
Pra Group Inc (PRAA) had 40M shares outstanding as of fiscal year 2024.
What is Pra Group Inc's debt-to-equity ratio?
Pra Group Inc (PRAA) had a debt-to-equity ratio of 3.29 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Pra Group Inc's return on assets (ROA)?
Pra Group Inc (PRAA) had a return on assets of 1.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Pra Group Inc's cash runway?
Based on fiscal year 2024 data, Pra Group Inc (PRAA) had $105.9M in cash against an annual operating cash burn of $94.6M. This gives an estimated cash runway of approximately 13 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Pra Group Inc's Piotroski F-Score?
Pra Group Inc (PRAA) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Pra Group Inc's earnings high quality?
Pra Group Inc (PRAA) has an earnings quality ratio of -1.34x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Pra Group Inc cover its interest payments?
Pra Group Inc (PRAA) has an interest coverage ratio of 1.4x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Pra Group Inc?
Pra Group Inc (PRAA) scores 45 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.