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. (PRAA) Financials

PRAA

Trailing 12 months to June 30, 2026

Revenue $1.3B +17.6% YoY

Net Income -$264.9M -387.8% YoY

EPS (Diluted) -$6.78 -391.0% YoY

Free Cash Flow -$37.8M +38.9% YoY

Market Cap $712.7M as of Sep 12, 2026

Price / Sales 0.5x on $1.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 0.7x on $1.0B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PRAA SEC filings page.

PRA Group, Inc. (PRAA) reported $1.3B in revenue over the twelve months to Jun 30, 2026, up 17.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI PRAA FY2025 2026-08-29

Revenue recovery is being overwhelmed by leverage, as FY2025 combines an earnings collapse with financing-dependent cash generation.

The central disconnect is between accounting recovery and cash generation: revenue recovered from FY2023 to FY2025, but operating cash flow remained negative in each year, including -$85.5M in FY2025. With FY2025 capital spending at $4.8M versus free cash flow of -$90.4M, the cash gap is not primarily a fixed-asset reinvestment story; it points to operating and non-capital cash demands.

The 2025 earnings deterioration was not a volume problem: revenue increased 7.8% from FY2024 while operating margin became negative. Operating margin fell to -2.5% while SG&A remained $296.7M, suggesting the pressure arose outside that reported cost line.

Debt-to-equity reached 4.1x in FY2025 versus 2.4x in FY2021. Equity fell to $979.9M, making the balance sheet more liability-funded as financing inflows offset negative operating cash flow.

Financial Health Signals

Financial Health Score 29/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of PRA Group, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

PRA Group, Inc. has an operating margin of -2.5%, meaning the company loses $3 on every $100 of revenue. This results in a profitability score of 62/100. 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 84/100.

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 14/100, reflecting increased financial risk.

Liquidity

Not available for PRA Group, Inc., and counted as zero in the overall score.

Cash Flow

PRA Group, Inc.'s operations used $85.5M of cash, and capex of $4.8M added to the outflow, for a free cash flow shortfall of $90.4M. This results in a cash flow score of 13/100.

Returns

Not available for PRA Group, Inc., and counted as zero in the overall score.

Piotroski F-Score Partial

3/6

PRA Group, Inc. passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 1 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality No Cash Backing

N/A

PRA Group, Inc. reported a net loss of $305.0M while operations used $85.5M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Interest Coverage At Risk

N/A

PRA Group, Inc. reported an operating loss of $30.3M against $263.3M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.

Key Financial Metrics

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Earnings & Revenue

Revenue

$372.2M

YoY+29.4%

QoQ+18.3%

5Y CAGR+5.4%

10Y CAGR+5.0%

PRA Group, Inc. generated $372.2M in revenue in Q2 2026. This represents an increase of 29.4% from the same quarter a year earlier. Against the prior quarter it is up 18.3%.

Net Income

$57.9M

YoY+36.7%

QoQ+105.3%

5Y CAGR+0.7%

10Y CAGR+4.7%

PRA Group, Inc. reported $57.9M in net income in Q2 2026. This represents an increase of 36.7% from the same quarter a year earlier. Against the prior quarter it is up 105.3%.

EPS (Diluted)

$1.51

YoY+39.8%

QoQ+106.8%

5Y CAGR+4.4%

10Y CAGR+6.7%

PRA Group, Inc. earned $1.51 per diluted share (EPS) in Q2 2026. This represents an increase of 39.8% from the same quarter a year earlier. Against the prior quarter it is up 106.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$38.7M

YoY-172.6%

QoQ-264.4%

PRA Group, Inc. recorded an outflow of $38.7M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 172.6% from the same quarter a year earlier. Against the prior quarter it is down 264.4%.

Cash & Debt

$132.4M

YoY+0.6%

QoQ+6.1%

5Y CAGR+11.7%

10Y CAGR+3.7%

PRA Group, Inc. held $132.4M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

38M

YoY-3.6%

QoQ-1.3%

5Y CAGR-3.9%

10Y CAGR-2.1%

PRA Group, Inc. had 38M shares outstanding in Q2 2026. This represents a decrease of 3.6% from the same quarter a year earlier. Against the prior quarter it is down 1.3%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Operating Margin

41.2%

YoY+11.6pp

QoQ+8.4pp

5Y change+4.7pp

10Y change+9.3pp

PRA Group, Inc.'s operating margin was 41.2% in Q2 2026, reflecting core business profitability. This is up 11.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 8.4 percentage points.

Net Margin

15.6%

YoY+0.8pp

QoQ+6.6pp

5Y change-4.0pp

10Y change-0.4pp

PRA Group, Inc.'s net profit margin was 15.6% in Q2 2026, showing the share of revenue converted to profit. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.6 percentage points.

Return on Equity

5.5%

YoY+2.4pp

QoQ+2.7pp

5Y change+1.7pp

10Y change+1.4pp

PRA Group, Inc.'s ROE was 5.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$10.0M

YoY0.0%

QoQ0.0%

PRA Group, Inc. spent $10.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Capital Expenditures

$2.4M

YoY+87.8%

QoQ+70.2%

5Y CAGR+6.7%

10Y CAGR-2.4%

PRA Group, Inc. invested $2.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 87.8% from the same quarter a year earlier. Against the prior quarter it is up 70.2%.

R&D Spending

Not reported for Q2 2026.

PRAA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PRAA quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.3B	$1.2B+7.8%	$1.1B+38.9%	$802.6M-17.0%	$966.5M-11.8%	$1.1B+2.8%	$1.1B+4.8%	$1.0B+12.0%	$908.3M+9.7%	$828.2M-11.0%	$930.6M-1.2%	$942.0M+6.9%	$881.0M+19.8%	$735.1M+24.0%	$592.8M+29.2%	$458.9M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.3M0.0%	$1.3M
SG&A Expenses	$288.7M	$296.7M-0.7%	$298.9M+3.5%	$288.8M+1.1%	$285.5M-5.4%	$302.0M+2.3%	$295.1M-4.9%	$310.4M-2.8%	$319.4M+17.0%	$273.0M+5.5%	$258.8M-3.5%	$268.3M+14.4%	$234.5M+21.9%	$192.5M+14.3%	$168.4M+21.8%	$138.2M
Operating Income	$66.6M	-$30.3M-108.9%	$339.7M+238.1%	$100.5M-64.8%	$285.8M-23.8%	$375.0M+7.2%	$349.7M+41.2%	$247.7M+33.7%	$185.3M-13.3%	$213.7M-2.7%	$219.8M-29.2%	$310.3M-9.3%	$342.1M+15.0%	$297.5M+37.7%	$216.1M+21.4%	$178.0M
EBITDA	N/A	-$21.5M-106.1%	$350.3M+208.4%	$113.6M-62.2%	$300.7M-22.9%	$390.1M+6.8%	$365.3M+38.6%	$263.6M+31.6%	$200.4M-12.6%	$229.1M-3.7%	$237.9M-27.1%	$326.5M-8.2%	$355.7M+15.8%	$307.2M+36.7%	$224.8M+20.8%	$186.1M
Interest Expense	$267.8M	$263.3M+10.4%	$238.6M+22.6%	$194.7M+46.5%	$132.9M+6.1%	$125.2M-12.3%	$142.7M-1.0%	$144.2M+16.1%	$124.2M+19.8%	$103.7M+20.7%	$85.9M+37.7%	$62.4M+77.2%	$35.2M+143.5%	$14.5M+60.0%	$9.0M-14.5%	$10.6M
Income Tax	$65.2M	$46.7M+122.2%	$21.0M+230.4%	-$16.1M-143.9%	$36.8M-32.9%	$54.8M+33.0%	$41.2M+109.4%	$19.7M+43.0%	$13.8M+226.8%	-$10.9M-124.9%	$43.6M-51.3%	$89.4M-28.2%	$124.5M+17.3%	$106.1M+31.2%	$80.9M+22.0%	$66.3M
Net Income	-$264.9M	-$305.0M-529.6%	$71.0M+185.5%	-$83.0M-170.9%	$117.0M-36.1%	$183.0M+22.5%	$149.3M+73.3%	$86.2M+31.4%	$65.6M-60.1%	$164.3M+90.5%	$86.3M-48.6%	$167.9M-4.9%	$176.5M+0.7%	$175.3M+38.5%	$126.6M+25.6%	$100.8M
EPS (Basic)	N/A	-$7.79-535.2%	$1.79+184.0%	-$2.13-172.0%	$2.96-27.3%	$4.07+24.1%	$3.28+72.6%	$1.90+31.0%	$1.45-59.7%	$3.60+93.5%	$1.86-46.7%	$3.49-1.1%	$3.53+1.4%	$3.48+40.3%	$2.48+26.5%	$1.96
EPS (Diluted)	-$6.78	-$7.79-535.2%	$1.79+184.0%	-$2.13-172.4%	$2.94-27.2%	$4.04+23.9%	$3.26+72.5%	$1.89+31.3%	$1.44-59.9%	$3.59+93.0%	$1.86-46.4%	$3.47-0.9%	$3.50+1.4%	$3.45	$2.46+26.2%	$1.95
Diluted Shares (Avg)	N/A	39M-0.9%	40M+0.9%	39M-1.8%	40M-12.0%	45M-1.2%	46M+0.6%	46M+0.4%	45M-0.9%	46M-1.2%	46M-4.2%	48M-4.0%	50M-0.9%	51M	51M-0.6%	52M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$372.2M+29.4%	$314.5M+16.7%	$333.4M+13.7%	$311.1M+10.5%	$287.7M+1.2%	$269.6M+5.5%	$293.2M+32.4%	$281.5M+30.1%
SG&A Expenses	$70.4M-7.1%	$70.7M-3.5%	$73.4M-2.1%	$74.2M-2.5%	$75.7M+2.0%	$73.3M-0.4%	$75.0M+5.5%	$76.1M+9.5%
Operating Income	$153.3M+80.1%	$103.3M+38.5%	$125.6M+33.4%	-$315.5M-450.7%	$85.1M-4.6%	$74.6M+12.3%	$94.1M+106.8%	$90.0M+109.0%
EBITDA	N/A	N/A	N/A	N/A	$87.6M-4.6%	$77.5M+12.2%	$96.9M+100.7%	$92.4M+99.6%
Interest Expense	$64.4M+3.2%	$63.5M+4.2%	$75.9M+8.6%	$64.1M+5.0%	$62.4M+12.7%	$61.0M+16.6%	$69.9M+9.4%	$61.1M+23.4%
Income Tax	$29.4M+90.6%	$8.8M+103.2%	$2.6M-75.1%	$24.4M+3725.1%	$15.4M+77.1%	$4.3M+80.7%	$10.6M+1401.0%	-$672K-137.6%
Net Income	$57.9M+36.7%	$28.2M+671.0%	$56.7M+200.6%	-$407.7M-1601.4%	$42.4M+96.9%	$3.7M+5.3%	$18.9M+327.0%	$27.2M+321.4%
EPS (Basic)	$1.52+40.7%	$0.74+722.2%	$1.41+206.5%	-$10.43-1611.6%	$1.08+96.4%	$0.090.0%	$0.46+309.1%	$0.69+322.6%
EPS (Diluted)	$1.51+39.8%	$0.73+711.1%	$1.41+200.0%	-$10.43-1611.6%	$1.08+100.0%	$0.090.0%	$0.47+313.6%	$0.69+322.6%
Diluted Shares (Avg)	38M-2.7%	39M-3.0%	N/A	39M-1.0%	39M-0.4%	40M+0.6%	N/A	39M+0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

PRAA Balance Sheet

PRAA quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$5.1B+3.5%	$4.9B+9.0%	$4.5B+8.4%	$4.2B-4.4%	$4.4B-1.9%	$4.5B+0.7%	$4.4B+13.2%	$3.9B+5.6%	$3.7B+17.0%	$3.2B+5.8%	$3.0B+7.6%	$2.8B+73.5%	$1.6B+24.2%	$1.3B+20.3%	$1.1B
Cash & Equivalents	$104.4M-1.4%	$105.9M-5.9%	$112.5M+35.0%	$83.4M-4.8%	$87.6M-19.4%	$108.6M-9.3%	$119.8M+21.4%	$98.7M-18.1%	$120.5M+27.8%	$94.3M+32.1%	$71.4M+80.0%	$39.7M-75.5%	$162.0M+395.6%	$32.7M+22.4%	$26.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$12.4M+17.9%	$10.5M+33.4%	$7.9M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$26.9M-93.2%	$396.4M-8.2%	$431.6M-1.0%	$435.9M-9.2%	$480.3M-2.6%	$493.0M+2.5%	$480.8M+3.6%	$464.1M-11.9%	$526.5M+5.3%	$499.9M+1.0%	$495.2M-6.1%	$527.4M+407.9%	$103.8M-5.2%	$109.5M+77.5%	$61.7M
Total Liabilities	$4.1B+8.7%	$3.7B+13.7%	$3.3B+13.7%	$2.9B-5.0%	$3.0B-1.2%	$3.1B-3.7%	$3.2B+15.0%	$2.8B+9.0%	$2.6B+14.0%	$2.2B+4.1%	$2.2B+14.6%	$1.9B+156.4%	$731.8M+30.7%	$559.9M+22.3%	$457.8M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.8B	N/A	N/A	N/A	$200.5M+15994.9%	$1.2M
Total Equity	$979.9M-13.7%	$1.1B-2.7%	$1.2B-4.9%	$1.2B-4.6%	$1.3B-4.1%	$1.3B+14.8%	$1.2B+6.8%	$1.1B+0.4%	$1.1B+26.2%	$864.3M+8.0%	$800.5M-11.3%	$902.2M+3.8%	$869.5M+22.7%	$708.4M+19.0%	$595.5M
Retained Earnings	$1.3B-19.6%	$1.6B+4.7%	$1.5B-5.3%	$1.6B+1.3%	$1.6B+2.7%	$1.5B+11.0%	$1.4B+6.7%	$1.3B+5.1%	$1.2B+15.8%	$1.0B+8.8%	$964.3M+6.4%	$906.0M+24.2%	$729.5M+31.6%	$554.2M+29.6%	$427.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$5.2B-3.6%	$5.2B+1.1%	$5.1B+3.5%	$5.0B+1.3%	$5.4B+16.6%	$5.1B+14.9%	$4.9B+9.0%	$4.9B+14.0%
Cash & Equivalents	$132.4M+0.6%	$124.8M-3.0%	$104.4M-1.4%	$107.5M-23.9%	$131.6M+10.7%	$128.7M+19.0%	$105.9M-5.9%	$141.1M+34.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$26.9M-93.9%	$26.9M-93.6%	$26.9M-93.2%	$26.9M-93.6%	$439.4M+5.7%	$420.7M+2.2%	$396.4M-8.2%	$423.0M+2.5%
Total Liabilities	$4.1B+2.2%	$4.1B+7.0%	$4.1B+8.7%	$4.0B+9.9%	$4.0B+16.8%	$3.9B+17.7%	$3.7B+13.7%	$3.7B+16.4%
Total Equity	$1.0B-21.8%	$1.0B-17.8%	$979.9M-13.7%	$928.5M-23.8%	$1.3B+16.7%	$1.2B+8.0%	$1.1B-2.7%	$1.2B+9.3%
Retained Earnings	$1.3B-16.6%	$1.3B-17.9%	$1.3B-19.6%	$1.2B-22.3%	$1.6B+6.1%	$1.6B+4.7%	$1.6B+4.7%	$1.5B+2.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

PRAA Cash Flow Statement

PRAA quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	-$31.4M	-$85.5M+9.6%	-$94.6M+3.0%	-$97.5M-551.7%	$21.6M-74.6%	$84.9M-40.1%	$141.7M+6.2%	$133.4M+64.9%	$80.9M+422.6%	$15.5M-92.5%	$205.9M+1.4%	$203.0M-24.2%	$267.9M+19.0%	$225.1M+71.3%	$131.4M-24.1%	$173.0M
Depreciation & Amortization	N/A	$8.8M-17.0%	$10.6M-19.1%	$13.1M-12.1%	$14.9M-1.3%	$15.1M-3.2%	$15.6M-1.9%	$15.9M+5.3%	$15.1M-1.9%	$15.4M-15.4%	$18.2M+12.3%	$16.2M+19.1%	$13.6M+40.2%	$9.7M+11.5%	$8.7M+7.4%	$8.1M
Stock-Based Compensation	N/A	$15.9M+18.1%	$13.5M+21.4%	$11.1M-15.0%	$13.0M-18.1%	$15.9M+10.8%	$14.4M+34.2%	$10.7M+25.8%	$8.5M-1.8%	$8.7M+41.4%	$6.1M-62.4%	$16.3M+9.1%	$15.0M+22.0%	$12.3M+8.8%	$11.3M+45.4%	$7.8M
Capital Expenditures	$6.5M	$4.8M+19.2%	$4.0M+40.1%	$2.9M-78.2%	$13.3M+18.2%	$11.2M-34.9%	$17.2M-4.5%	$18.0M-12.1%	$20.5M-10.2%	$22.8M+61.3%	$14.2M-2.0%	$14.5M-40.7%	$24.4M+53.6%	$15.9M+123.1%	$7.1M-26.1%	$9.6M
Free Cash Flow	-$37.8M	-$90.4M+8.4%	-$98.6M+1.8%	-$100.4M-1304.0%	$8.3M-88.7%	$73.7M-40.8%	$124.5M+7.9%	$115.4M+91.2%	$60.3M+919.3%	-$7.4M-103.8%	$191.7M+1.7%	$188.5M-22.6%	$243.5M+16.4%	$209.3M+68.3%	$124.3M-23.9%	$163.4M
Investing Cash Flow	-$58.0M	-$59.9M+84.3%	-$382.5M-62.9%	-$234.9M-295.0%	$120.5M-24.9%	$160.4M+39.5%	$115.0M+126.1%	-$441.2M-13.9%	-$387.3M-31.3%	-$295.0M+7.1%	-$317.5M-12.5%	-$282.3M+72.6%	-$1.0B-487.0%	-$175.6M+14.6%	-$205.6M-96.2%	-$104.8M
Financing Cash Flow	$65.2M	$116.0M-76.4%	$490.8M+38.1%	$355.3M+392.8%	-$121.3M+53.8%	-$262.8M-4.2%	-$252.1M-174.3%	$339.5M+15.1%	$294.9M-0.3%	$295.7M+213.2%	$94.4M-21.4%	$120.1M-81.5%	$648.0M+712.0%	$79.8M-1.1%	$80.7M+197.6%	-$82.7M
Share Buybacks	$30.0M	$20.0M	$0	$0-100.0%	$111.4M-44.6%	$200.9M	$0	$0	$0-100.0%	$44.9M	$0-100.0%	$165.5M+399.0%	$33.2M-43.3%	$58.5M+157.4%	$22.7M	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$36.3M-181.0%	$24.9M+147.4%	-$9.9M-123.1%	-$10.1M+71.1%	-$12.9M+56.2%	-$52.6M+28.0%	$42.9M+107.0%	-$35.0M+6.4%
Depreciation & Amortization	N/A	N/A	N/A	N/A	$2.5M-5.1%	$2.9M+8.0%	$2.8M+0.7%	$2.5M-24.6%
Stock-Based Compensation	N/A	$4.5M+19.1%	N/A	N/A	N/A	$3.8M+13.9%	N/A	N/A
Capital Expenditures	$2.4M+87.8%	$1.4M+56.7%	$1.4M+22.8%	$1.2M+15.7%	$1.3M-4.4%	$900K+81.8%	$1.2M+100.3%	$1.0M-13.7%
Free Cash Flow	-$38.7M-172.6%	$23.5M+144.0%	-$11.3M-127.2%	-$11.3M+68.6%	-$14.2M+54.0%	-$53.5M+27.2%	$41.8M+107.2%	-$36.1M+6.6%
Investing Cash Flow	-$13.1M-44.9%	-$18.4M+24.4%	-$43.0M+78.4%	$16.4M+118.8%	-$9.0M+91.9%	-$24.4M-260.3%	-$198.6M-259.4%	-$87.6M-2.4%
Financing Cash Flow	-$5.3M-126.3%	$60.4M-29.4%	$41.4M-71.2%	-$31.3M-121.9%	$20.3M-86.6%	$85.6M+62.1%	$143.8M+431.5%	$143.2M+19.6%
Share Buybacks	$10.0M0.0%	$10.0M	$10.0M	$0	$10.0M	$0	$0	$0

Not reported in any period shown, so not listed: Dividends Paid.

PRAA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PRAA quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	-2.5%-33.0pp	30.5%+18.0pp	12.5%-17.1pp	29.6%-4.6pp	34.2%+1.4pp	32.8%+8.5pp	24.3%+4.0pp	20.4%-5.4pp	25.8%+2.2pp	23.6%-9.3pp	32.9%-5.9pp	38.8%-1.6pp	40.5%+4.0pp	36.4%-2.3pp	38.8%
Net Margin	-25.4%-31.8pp	6.4%+16.7pp	-10.3%-22.4pp	12.1%-4.6pp	16.7%+2.7pp	14.0%+5.5pp	8.5%+1.2pp	7.2%-12.6pp	19.8%+10.6pp	9.3%-8.6pp	17.8%-2.2pp	20.0%-3.8pp	23.8%+2.5pp	21.4%-0.6pp	22.0%
Return on Equity	-31.1%-37.4pp	6.3%+13.4pp	-7.1%-16.6pp	9.5%-4.7pp	14.2%+3.1pp	11.1%+3.8pp	7.4%+1.4pp	6.0%-9.1pp	15.1%+5.1pp	10.0%-11.0pp	21.0%+1.4pp	19.6%-0.6pp	20.2%+2.3pp	17.9%+0.9pp	16.9%
Return on Assets	-6.0%-7.4pp	1.4%+3.3pp	-1.8%-4.6pp	2.8%-1.4pp	4.2%+0.8pp	3.4%+1.4pp	1.9%+0.3pp	1.7%-2.8pp	4.4%+1.7pp	2.7%-2.9pp	5.6%-0.7pp	6.3%-4.6pp	10.9%+1.1pp	9.8%+0.4pp	9.4%
Debt-to-Equity	4.15+0.9x	3.29+0.5x	2.82+0.5x	2.350.0x	2.36+0.1x	2.29-0.4x	2.73+0.2x	2.54+0.2x	2.34+0.2x	2.10-0.6x	2.69+0.6x	2.08+1.2x	0.84+0.6x	0.28+0.3x	0.00
Asset Turnover	0.240.0x	0.230.0x	0.18-0.1x	0.230.0x	0.250.0x	0.240.0x	0.230.0x	0.230.0x	0.22-0.1x	0.290.0x	0.320.0x	0.32-0.1x	0.460.0x	0.460.0x	0.43
FCF Margin	-7.5%+1.3pp	-8.8%+3.7pp	-12.5%-13.4pp	0.9%-5.9pp	6.7%-5.0pp	11.7%+0.3pp	11.3%+4.7pp	6.6%+7.5pp	-0.9%-21.5pp	20.6%+0.6pp	20.0%-7.6pp	27.6%-0.8pp	28.5%+7.5pp	21.0%-14.6pp	35.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	41.2%+11.6pp	32.8%+5.2pp	37.7%+5.6pp	-101.4%	29.6%-1.8pp	27.7%+1.7pp	32.1%+11.5pp	32.0%+12.1pp
Net Margin	15.6%+0.8pp	9.0%+7.6pp	17.0%+10.6pp	-131.0%	14.7%+7.2pp	1.4%0.0pp	6.4%+10.2pp	9.7%+15.3pp
Return on Equity	5.5%+2.4pp	2.8%+2.5pp	5.8%+4.1pp	-43.9%-46.1pp	3.2%+1.3pp	0.3%0.0pp	1.7%+2.4pp	2.2%+3.3pp
Return on Assets	1.1%+0.3pp	0.5%+0.5pp	1.1%+0.7pp	-8.2%-8.7pp	0.8%+0.3pp	0.1%0.0pp	0.4%+0.6pp	0.5%+0.8pp
Debt-to-Equity	3.95+0.9x	4.13+1.0x	4.15+0.9x	4.32+1.3x	3.020.0x	3.17+0.3x	3.29+0.5x	3.00+0.2x
Asset Turnover	0.070.0x	0.060.0x	0.070.0x	0.060.0x	0.050.0x	0.050.0x	0.060.0x	0.060.0x
FCF Margin	-10.4%-5.5pp	7.5%+27.3pp	-3.4%-17.6pp	-3.6%+9.2pp	-4.9%+5.9pp	-19.8%+8.9pp	14.2%+5.1pp	-12.8%+5.0pp

Not reported in any period shown, so not listed: Gross Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
PRA Group, Inc. PRAA	FY2025	$1.2B	-$305.0M	-25.4%	$712.7M	29/100
Qudian Inc. American QD	FY2025	$5.9M	$101.3M	N/A	$632.4M	51/100
X Financial American XYF	FY2025	$1.1B	$209.4M	19.2%	$191.3M	53/100
World Acceptance Corp WRLD	FY2026	$585.2M	$34.6M	5.9%	$886.0M	28/100
Green Dot Corporation GDOT	FY2025	$2.1B	-$98.9M	-4.8%	$756.2M	33/100
Atlanticus Holdings Corporation ATLC	FY2025	$1.7B	$120.6M	7.2%	$1.4B	15/100

Where PRA Group, Inc. Ranks

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 -$305.0M 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) recorded an outflow of $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) recorded an outflow of $85.5M in operating cash flow during fiscal year 2025, representing cash used by 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 P/E ratio?

PRA Group, Inc. (PRAA) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $712.7M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PRA Group, Inc.'s price-to-sales ratio?

PRA Group, Inc. (PRAA) trades at 0.5x sales, its market capitalization divided by revenue of $1.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $712.7M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PRA Group, Inc.'s Piotroski F-Score?

PRA Group, Inc. (PRAA) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported a net loss of $305.0M while operations used $85.5M of cash. With neither figure positive, the ratio between the two carries no quality signal. 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) reported an operating loss of $30.3M against $263.3M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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 29 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.