What is Pra Group Inc's earnings per share (EPS)?

Pra Group Inc (PRAA) reported diluted earnings per share of $-7.79 for fiscal year 2025. This represents a -535.2% 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.

Pra Group Inc Financials

PRAA

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Pra Group Inc (PRAA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 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).

Financial Health Signals

Financial Profile 17/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Pra Group Inc has an operating margin of -2.5%, meaning the company retains $-3 of operating profit per $100 of revenue. This below-average margin results in a low score of 17/100, suggesting thin profitability after operating expenses. This is down from 30.5% the prior year.

Growth

Pra Group Inc's revenue grew 7.8% year-over-year to $1.2B, a solid pace of expansion. This earns a growth score of 46/100.

Leverage

Pra Group Inc has elevated debt relative to equity (D/E of 4.15), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 17/100, reflecting increased financial risk.

Cash Flow

While Pra Group Inc generated -$85.5M in operating cash flow, capex of $4.8M consumed most of it, leaving -$90.4M in free cash flow. This results in a low score of 6/100, reflecting heavy capital investment rather than weak cash generation.

Returns

Pra Group Inc generates a -31.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from 6.2% the prior year.

Piotroski F-Score Weak

3/9

Pra Group Inc passes 3 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Low Quality

0.28x

For every $1 of reported earnings, Pra Group Inc generates $0.28 in operating cash flow (-$85.5M OCF vs -$305.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk

-0.1x

Pra Group Inc earns $-0.1 in operating income for every $1 of interest expense (-$30.3M vs $263.3M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.2B

YoY+7.8%

5Y CAGR+2.4%

10Y CAGR+2.5%

Pra Group Inc generated $1.2B in revenue in fiscal year 2025. This represents an increase of 7.8% from the prior year.

EBITDA

-$21.5M

YoY-106.1%

Pra Group Inc's EBITDA was -$21.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 106.1% from the prior year.

Net Income

-$305.1M

YoY-532.2%

Pra Group Inc reported -$305.1M in net income in fiscal year 2025. This represents a decrease of 532.2% from the prior year.

EPS (Diluted)

$-7.79

YoY-535.2%

Pra Group Inc earned $-7.79 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 535.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$90.4M

YoY+8.4%

Pra Group Inc generated -$90.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 8.4% from the prior year.

Cash & Debt

$104.4M

YoY-1.4%

5Y CAGR-0.8%

10Y CAGR+3.9%

Pra Group Inc held $104.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

38M

YoY-2.7%

5Y CAGR-3.3%

10Y CAGR-1.8%

Pra Group Inc had 38M shares outstanding in fiscal year 2025. This represents a decrease of 2.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

-2.5%

YoY-33.0pp

5Y CAGR-35.3pp

10Y CAGR-35.5pp

Pra Group Inc's operating margin was -2.5% in fiscal year 2025, reflecting core business profitability. This is down 33.0 percentage points from the prior year.

Net Margin

-25.4%

YoY-31.7pp

5Y CAGR-39.4pp

10Y CAGR-43.2pp

Pra Group Inc's net profit margin was -25.4% in fiscal year 2025, showing the share of revenue converted to profit. This is down 31.7 percentage points from the prior year.

Return on Equity

-31.1%

YoY-37.4pp

5Y CAGR-42.3pp

10Y CAGR-52.1pp

Pra Group Inc's ROE was -31.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 37.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$20.0M

10Y CAGR-19.0%

Pra Group Inc spent $20.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$4.8M

YoY+19.2%

5Y CAGR-22.5%

10Y CAGR-10.4%

Pra Group Inc invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 19.2% from the prior year.

PRAA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.2B+7.8%	$1.1B+38.9%	$802.6M-17.0%	$966.5M-11.8%	$1.1B+2.8%	$1.1B
Cost of Revenue	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
R&D Expenses	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
Operating Income	-$30.3M-108.9%	$339.7M+238.1%	$100.5M-64.8%	$285.8M-23.8%	$375.0M+7.2%	$349.7M
Interest Expense	$263.3M+10.4%	$238.6M+22.6%	$194.7M+46.5%	$132.9M+6.1%	$125.2M-12.3%	$142.7M
Income Tax	$46.7M+122.2%	$21.0M+230.4%	-$16.1M-143.9%	$36.8M-32.9%	$54.8M+33.0%	$41.2M
Net Income	-$305.1M-532.2%	$70.6M+184.6%	-$83.5M-171.3%	$117.1M-36.0%	$183.2M+22.6%	$149.3M
EPS (Diluted)	$-7.79-535.2%	$1.79+184.0%	$-2.13-172.4%	$2.94-27.2%	$4.04+23.9%	$3.26

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$333.4M+7.2%	$311.1M+8.2%	$287.7M+6.7%	$269.6M-8.1%	$293.2M+4.2%	$281.5M-1.0%	$284.2M+11.2%	$255.6M
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	$125.6M+139.8%	-$315.5M-470.7%	$85.1M+14.1%	$74.6M-20.8%	$94.1M+4.6%	$90.0M+0.8%	$89.2M+34.4%	$66.4M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$2.6M-89.1%	$24.4M+58.0%	$15.4M+257.5%	$4.3M-59.4%	$10.6M+1679.8%	-$672K-107.7%	$8.7M+264.7%	$2.4M
Net Income	$56.5M+113.9%	-$407.7M-1062.2%	$42.4M+1058.1%	$3.7M-80.2%	$18.5M-32.0%	$27.2M+26.2%	$21.5M+519.2%	$3.5M
EPS (Diluted)	N/A	$-10.43-1065.7%	$1.08+1100.0%	$0.09	N/A	$0.69+27.8%	$0.54+500.0%	$0.09

PRAA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.1B+3.5%	$4.9B+9.0%	$4.5B+8.4%	$4.2B-4.4%	$4.4B-1.9%	$4.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$104.4M-1.4%	$105.9M-5.9%	$112.5M+35.0%	$83.4M-4.8%	$87.6M-19.4%	$108.6M
Inventory	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
Goodwill	$26.9M-93.2%	$396.4M-8.2%	$431.6M-1.0%	$435.9M-9.2%	$480.3M-2.6%	$493.0M
Total Liabilities	$4.1B+8.7%	$3.7B+13.7%	$3.3B+13.7%	$2.9B-5.0%	$3.0B-1.2%	$3.1B
Current Liabilities	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
Total Equity	$979.9M-13.7%	$1.1B-2.7%	$1.2B-4.9%	$1.2B-4.6%	$1.3B-4.1%	$1.3B
Retained Earnings	$1.3B-19.6%	$1.6B+4.7%	$1.5B-5.3%	$1.6B+1.3%	$1.6B+2.7%	$1.5B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$5.1B+2.1%	$5.0B-8.0%	$5.4B+5.6%	$5.1B+4.4%	$4.9B-0.1%	$4.9B+5.9%	$4.7B+4.0%	$4.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$104.4M-2.8%	$107.5M-18.3%	$131.6M+2.3%	$128.7M+21.4%	$105.9M-24.9%	$141.1M+18.7%	$118.9M+10.0%	$108.1M
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	$26.9M0.0%	$26.9M-93.9%	$439.4M+4.5%	$420.7M+6.1%	$396.4M-6.3%	$423.0M+1.8%	$415.6M+0.9%	$411.8M
Total Liabilities	$4.1B+1.2%	$4.0B-0.6%	$4.0B+4.4%	$3.9B+3.5%	$3.7B+2.3%	$3.7B+5.7%	$3.5B+5.3%	$3.3B
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	$979.9M+5.5%	$928.5M-30.6%	$1.3B+9.7%	$1.2B+7.4%	$1.1B-6.9%	$1.2B+6.4%	$1.1B+1.4%	$1.1B
Retained Earnings	$1.3B+4.7%	$1.2B-25.4%	$1.6B+2.7%	$1.6B+0.2%	$1.6B+1.2%	$1.5B+1.8%	$1.5B+1.4%	$1.5B

PRAA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$85.5M+9.6%	-$94.6M+3.0%	-$97.5M-551.7%	$21.6M-74.6%	$84.9M-40.1%	$141.7M
Capital Expenditures	$4.8M+19.2%	$4.0M+40.1%	$2.9M-78.2%	$13.3M+18.2%	$11.2M-34.9%	$17.2M
Free Cash Flow	-$90.4M+8.4%	-$98.6M+1.8%	-$100.4M-1304.0%	$8.3M-88.7%	$73.7M-40.8%	$124.5M
Investing Cash Flow	-$59.9M+84.3%	-$382.5M-62.9%	-$234.9M-295.0%	$120.5M-24.9%	$160.4M+39.5%	$115.0M
Financing Cash Flow	$116.0M-76.4%	$490.8M+38.1%	$355.3M+392.8%	-$121.3M+53.8%	-$262.8M-4.2%	-$252.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$20.0M	$0	$0-100.0%	$111.4M-44.6%	$200.9M	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$9.9M+2.1%	-$10.1M+21.5%	-$12.9M+75.4%	-$52.6M-222.5%	$42.9M+222.5%	-$35.0M-18.8%	-$29.5M+59.6%	-$73.0M
Capital Expenditures	$1.4M+17.7%	$1.2M-5.0%	$1.3M+42.0%	$900K-22.7%	$1.2M+11.0%	$1.0M-21.5%	$1.3M+170.1%	$495K
Free Cash Flow	-$11.3M0.0%	-$11.3M+20.0%	-$14.2M+73.5%	-$53.5M-228.0%	$41.8M+215.7%	-$36.1M-17.1%	-$30.8M+58.1%	-$73.5M
Investing Cash Flow	-$43.0M-361.4%	$16.4M+282.1%	-$9.0M+63.0%	-$24.4M+87.7%	-$198.6M-126.7%	-$87.6M+21.3%	-$111.4M-832.4%	$15.2M
Financing Cash Flow	$41.4M+232.1%	-$31.3M-254.6%	$20.3M-76.3%	$85.6M-40.4%	$143.8M+0.4%	$143.2M-5.1%	$151.0M+185.9%	$52.8M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$10.0M	$0	N/A	N/A	$0	$0	N/A	N/A

PRAA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-2.5%-33.0pp	30.5%+18.0pp	12.5%-17.1pp	29.6%-4.6pp	34.2%+1.4pp	32.8%
Net Margin	-25.4%-31.7pp	6.3%+16.7pp	-10.4%-22.5pp	12.1%-4.6pp	16.7%+2.7pp	14.0%
Return on Equity	-31.1%-37.4pp	6.2%+13.4pp	-7.1%-16.7pp	9.5%-4.7pp	14.2%+3.1pp	11.1%
Return on Assets	-6.0%-7.4pp	1.4%+3.3pp	-1.8%-4.7pp	2.8%-1.4pp	4.2%+0.8pp	3.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.15+0.9	3.29+0.5	2.82+0.5	2.35-0.0	2.36+0.1	2.29
FCF Margin	-7.5%+1.3pp	-8.8%+3.7pp	-12.5%-13.4pp	0.9%-5.9pp	6.7%-5.0pp	11.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	37.7%+139.1pp	-101.4%-131.0pp	29.6%+1.9pp	27.7%-4.4pp	32.1%+0.1pp	32.0%+0.6pp	31.4%+5.4pp	26.0%
Net Margin	17.0%+148.0pp	-131.0%-145.8pp	14.7%+13.4pp	1.4%-4.9pp	6.3%-3.4pp	9.7%+2.1pp	7.6%+6.2pp	1.4%
Return on Equity	5.8%+49.7pp	-43.9%-47.1pp	3.2%+2.9pp	0.3%-1.3pp	1.6%-0.6pp	2.2%+0.3pp	1.9%+1.6pp	0.3%
Return on Assets	1.1%+9.3pp	-8.2%-8.9pp	0.8%+0.7pp	0.1%-0.3pp	0.4%-0.2pp	0.5%+0.1pp	0.5%+0.4pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.15-0.2	4.32+1.3	3.02-0.2	3.17-0.1	3.29+0.3	3.00-0.0	3.02+0.1	2.91
FCF Margin	-3.4%+0.2pp	-3.6%+1.3pp	-4.9%+14.9pp	-19.8%-34.1pp	14.2%+27.1pp	-12.8%-2.0pp	-10.8%+17.9pp	-28.8%

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Frequently Asked Questions

What is Pra Group Inc's annual revenue?

Pra Group Inc (PRAA) reported $1.2B in total revenue for fiscal year 2025. This represents a 7.8% 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 7.8% year-over-year, from $1.1B to $1.2B in fiscal year 2025.

Is Pra Group Inc profitable?

No, Pra Group Inc (PRAA) reported a net income of -$305.1M in fiscal year 2025, with a net profit margin of -25.4%.

What is Pra Group Inc's EBITDA?

Pra Group Inc (PRAA) had EBITDA of -$21.5M in fiscal year 2025, 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 -2.5% in fiscal year 2025, 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 -25.4% in fiscal year 2025, 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 -31.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Pra Group Inc's free cash flow?

Pra Group Inc (PRAA) generated -$90.4M in free cash flow during fiscal year 2025. This represents a 8.4% 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 -$85.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Pra Group Inc's total assets?

Pra Group Inc (PRAA) had $5.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Pra Group Inc's capital expenditures?

Pra Group Inc (PRAA) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Pra Group Inc buy back shares?

Yes, Pra Group Inc (PRAA) spent $20.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Pra Group Inc have outstanding?

Pra Group Inc (PRAA) had 38M shares outstanding as of fiscal year 2025.

What is Pra Group Inc's debt-to-equity ratio?

Pra Group Inc (PRAA) had a debt-to-equity ratio of 4.15 as of fiscal year 2025, 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 -6.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Pra Group Inc's cash runway?

Based on fiscal year 2025 data, Pra Group Inc (PRAA) had $104.4M in cash against an annual operating cash burn of $85.5M. This gives an estimated cash runway of approximately 15 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 0.28x, 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 -0.1x, 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 17 out of 100 on our Financial Profile, indicating weak 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.