NASDAQ : PRAA
PRA Group, Inc. — Financial statements
Financials · Credit Services · United States
Last price 19.49 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 733.76M
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Financial statements
PRA Group, Inc. (PRAA) reported revenue of 1.33B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Other Revenue | 1.33B | 1.20B | 1.11B | 802.55M | 966.52M | 1.10B |
| Revenue | 1.33B | 1.20B | 1.11B | 802.55M | 966.52M | 1.10B |
| Gross Profit | 1.33B | 1.20B | 1.11B | 802.55M | 966.52M | 1.10B |
| Selling, General & Admin | 779.10M | 750.66M | 707.22M | 631.05M | 614.70M | 644.40M |
| Other Operating Expenses | 62.36M | 58.40M | 56.78M | 52.40M | 50.78M | 61.08M |
| Operating Expenses | 850.65M | 818.10M | 774.79M | 696.82M | 680.72M | 720.74M |
| Operating Income | 480.59M | 383.74M | 339.73M | 105.73M | 285.80M | 375.00M |
| Interest Expense | -268.53M | -263.29M | -238.57M | -194.67M | -130.68M | -125.23M |
| Interest & Investment Income | 12.20M | 11.50M | 9.30M | 12.94M | 1.09M | |
| Currency Exchange Gain (Loss) | 1.31M | 755.00K | -9.00K | 289.00K | 985.00K | -809.00K |
| Other Non Operating Income (Expenses) | -427.00K | -336.00K | -851.00K | -1.94M | -1.32M | -104.00K |
| EBT Excluding Unusual Items | 225.13M | 132.37M | 109.61M | -77.65M | 154.78M | 249.94M |
| Impairment of Goodwill | -412.61M | -412.61M | ||||
| Gain (Loss) on Sale of Investments | 38.40M | 386.00K | ||||
| Asset Writedown | -1.40M | -1.40M | -5.24M | |||
| Pretax Income | -188.88M | -243.24M | 109.61M | -82.89M | 154.78M | 250.33M |
| Income Tax Expense | 65.16M | 46.73M | 21.03M | -16.13M | 36.79M | 54.82M |
| Earnings From Continuing Operations | -254.04M | -289.97M | 88.57M | -66.75M | 118.00M | 195.51M |
| Minority Interest in Earnings | -11.01M | -15.17M | -17.97M | -16.72M | -851.00K | -12.35M |
| Net Income | -265.05M | -305.14M | 70.60M | -83.48M | 117.15M | 183.16M |
| Net Income to Common | -265.05M | -305.14M | 70.60M | -83.48M | 117.15M | 183.16M |
| Shares Outstanding (Basic) | 38.57M | 39.17M | 39.38M | 39.18M | 39.64M | 44.96M |
| Shares Outstanding (Diluted) | 38.57M | 39.17M | 39.54M | 39.18M | 39.89M | 45.33M |
| EPS (Basic) | -6.87 | -7.79 | 1.79 | -2.13 | 2.96 | 4.07 |
| EPS (Diluted) | -6.87 | -7.79 | 1.79 | -2.13 | 2.94 | 4.04 |
| Free Cash Flow | -37.85M | -90.36M | -98.64M | -100.42M | 8.34M | 73.71M |
| Free Cash Flow Per Share | -0.98 | -2.31 | -2.50 | -2.56 | 0.21 | 1.63 |
| Gross Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Operating Margin | 36.10% | 31.93% | 30.48% | 13.17% | 29.57% | 34.22% |
| Profit Margin | -19.91% | -25.39% | 6.33% | -10.40% | 12.12% | 16.72% |
| Free Cash Flow Margin | -2.84% | -7.52% | -8.85% | -12.51% | 0.86% | 6.73% |
| EBITDA | 487.78M | 392.78M | 350.52M | 119.11M | 301.05M | 390.25M |
| EBITDA Margin | 36.64% | 32.68% | 31.45% | 14.84% | 31.15% | 35.62% |
| D&A For EBITDA | 7.19M | 9.04M | 10.79M | 13.38M | 15.24M | 15.26M |
| EBIT | 480.59M | 383.74M | 339.73M | 105.73M | 285.80M | 375.00M |
| EBIT Margin | 36.10% | 31.93% | 30.48% | 13.17% | 29.57% | 34.22% |
| Effective Tax Rate | 19.19% | 23.77% | 21.90% | |||
| Revenue as Reported | 1.33B | 1.20B | 1.11B | 802.55M | 966.52M | 1.10B |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 132.43M | 104.41M | 105.94M | 112.53M | 83.38M | 87.58M |
| Trading Asset Securities | 4.54M | 2.19M | 8.51M | 21.77M | 37.30M | 6.25M |
| Cash & Short-Term Investments | 136.97M | 106.60M | 114.45M | 134.30M | 120.68M | 93.83M |
| Accounts Receivable | 4.72B | 4.69B | 4.14B | 3.66B | 3.30B | 3.43B |
| Other Receivables | 20.91M | 17.70M | 19.56M | 27.71M | 31.77M | 41.15M |
| Receivables | 4.74B | 4.71B | 4.16B | 3.68B | 3.33B | 3.47B |
| Prepaid Expenses | 71.86M | 61.30M | 53.23M | |||
| Restricted Cash | 3.25M | 4.23M | 1.49M | 1.16M | 1.38M | 1.49M |
| Other Current Assets | 1.25M | 914.00K | 2.21M | 1.01M | 487.00K | 3.53M |
| Total Current Assets | 4.95B | 4.88B | 4.33B | 3.82B | 3.45B | 3.57B |
| Property, Plant & Equipment | 50.05M | 54.09M | 61.67M | 82.33M | 106.15M | 111.23M |
| Long-Term Investments | 145.47M | 66.63M | 66.30M | 72.40M | 79.95M | 92.98M |
| Goodwill | 26.87M | 26.87M | 396.36M | 431.56M | 435.92M | 480.26M |
| Long-Term Deferred Tax Assets | 64.94M | 76.95M | 75.13M | 74.69M | 56.91M | 67.76M |
| Other Long-Term Assets | 43.59M | 47.41M | 45.73M | |||
| Total Assets | 5.24B | 5.10B | 4.93B | 4.53B | 4.18B | 4.37B |
| Accounts Payable | 7.33M | 3.82M | ||||
| Accrued Expenses | 129.18M | 131.81M | 141.21M | 138.22M | 111.39M | 127.80M |
| Current Portion of Long-Term Debt | 2.50M | 10.00M | ||||
| Current Portion of Leases | 6.60M | 7.70M | ||||
| Current Income Taxes Payable | 36.36M | 29.84M | 28.58M | 17.91M | 25.69M | 19.28M |
| Other Current Liabilities | 104.00M | 108.21M | 163.57M | 124.36M | 132.11M | 135.72M |
| Total Current Liabilities | 278.63M | 287.57M | 333.37M | 280.50M | 276.53M | 286.62M |
| Long-Term Debt | 3.76B | 3.70B | 3.33B | 2.93B | 2.49B | 2.62B |
| Long-Term Leases | 24.08M | 24.46M | 36.44M | 50.30M | 59.38M | 61.19M |
| Long-Term Deferred Tax Liabilities | 32.24M | 17.06M | 16.81M | 17.05M | 42.92M | 36.63M |
| Other Long-Term Liabilities | 29.62M | 36.60M | 19.51M | 12.23M | 15.23M | 33.37M |
| Total Liabilities | 4.13B | 4.06B | 3.74B | 3.29B | 2.89B | 3.04B |
| Common Stock | 376.00K | 385.00K | 395.00K | 392.00K | 390.00K | 410.00K |
| Additional Paid-In Capital | 11.47M | 17.88M | 7.07M | 2.17M | ||
| Retained Earnings | 1.34B | 1.26B | 1.56B | 1.49B | 1.57B | 1.55B |
| Comprehensive Income & Other | -293.72M | -287.01M | -443.39M | -329.90M | -347.93M | -266.91M |
| Total Common Equity | 1.05B | 979.85M | 1.14B | 1.17B | 1.23B | 1.29B |
| Minority Interest | 67.43M | 60.11M | 58.58M | 72.26M | 59.09M | 38.49M |
| Shareholders' Equity | 1.11B | 1.04B | 1.19B | 1.24B | 1.29B | 1.32B |
| Total Liabilities & Equity | 5.24B | 5.10B | 4.93B | 4.53B | 4.18B | 4.37B |
| Total Debt | 3.79B | 3.74B | 3.37B | 2.98B | 2.55B | 2.68B |
| Net Cash (Debt) | -3.66B | -3.63B | -3.25B | -2.84B | -2.43B | -2.59B |
| Net Cash Per Share | -94.82 | -92.75 | -82.28 | -72.54 | -61.01 | -57.16 |
| Filing Date Shares Outstanding | 37.65M | 38.45M | 39.51M | 39.25M | 38.98M | 40.69M |
| Total Common Shares Outstanding | 37.65M | 38.45M | 39.51M | 39.25M | 38.98M | 41.01M |
| Working Capital | 4.67B | 4.59B | 4.00B | 3.54B | 3.17B | 3.28B |
| Book Value Per Share | 27.77 | 25.48 | 28.73 | 29.74 | 31.49 | 31.37 |
| Tangible Book Value | 1.02B | 952.98M | 738.67M | 735.55M | 791.74M | 806.08M |
| Tangible Book Value Per Share | 27.06 | 24.78 | 18.70 | 18.74 | 20.31 | 19.66 |
| Land | 1.41M | 1.41M | 1.41M | 1.41M | 1.41M | |
| Buildings | 19.68M | 19.64M | 19.64M | 19.93M | 19.46M | |
| Machinery | 38.53M | 42.62M | 51.23M | 58.26M | 60.79M | |
| Construction In Progress | 2.00M | 848.00K | 989.00K | 932.00K | 3.13M | |
| Leasehold Improvements | 16.24M | 18.08M | 18.71M | 22.49M | 17.61M |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -265.05M | -305.14M | 70.60M | -83.48M | 117.15M | 183.16M |
| Depreciation & Amortization | 7.19M | 9.04M | 10.79M | 13.38M | 15.24M | 15.26M |
| Other Amortization | 8.31M | 7.93M | 10.57M | 9.22M | 10.10M | 9.51M |
| Asset Writedown & Restructuring Costs | 416.02M | 414.01M | 5.24M | |||
| Loss (Gain) From Sale of Investments | -38.40M | -386.00K | ||||
| Stock-Based Compensation | 16.76M | 15.91M | 13.47M | 11.10M | 13.05M | 15.94M |
| Other Operating Activities | 41.86M | 8.75M | 19.44M | -37.30M | 36.67M | 47.95M |
| Change in Accounts Payable | -1.32M | |||||
| Change in Income Taxes | -30.82M | |||||
| Change in Other Net Operating Assets | -446.00K | -21.19M | 21.40M | 13.45M | -1.71M | 43.55M |
| Operating Cash Flow | -31.39M | -85.54M | -94.59M | -97.53M | 21.59M | 84.92M |
| Capital Expenditures | -6.45M | -4.82M | -4.04M | -2.89M | -13.25M | -11.21M |
| Cash Acquisitions | -647.00K | |||||
| Investment in Securities | -84.62M | 49.48M | 746.00K | 11.29M | 3.11M | -42.01M |
| Other Investing Activities | 974.85M | 1.19B | ||||
| Investing Cash Flow | -58.04M | -59.94M | -382.47M | -234.86M | 120.45M | 160.38M |
| Long-Term Debt Issued | 1.56B | 2.93B | 1.21B | 1.61B | 1.12B | |
| Long-Term Debt Repaid | -1.30B | -2.46B | -836.26M | -1.61B | -1.17B | |
| Net Debt Issued (Repaid) | 185.12M | 253.81M | 465.86M | 378.37M | -1.50M | -53.17M |
| Repurchase of Common Stock | -33.18M | -22.33M | -2.65M | -6.19M | -119.84M | -206.88M |
| Other Financing Activities | -86.78M | -115.52M | 27.63M | -16.88M | 1.00K | -2.76M |
| Financing Cash Flow | 65.16M | 115.97M | 490.84M | 355.30M | -121.34M | -262.81M |
| Foreign Exchange Rate Adjustments | 24.63M | 30.72M | -20.03M | 6.03M | -25.02M | -14.46M |
| Net Cash Flow | 361.00K | 1.21M | -6.26M | 28.93M | -4.31M | -31.98M |
| Free Cash Flow | -37.85M | -90.36M | -98.64M | -100.42M | 8.34M | 73.71M |
| Free Cash Flow Margin | -2.84% | -7.52% | -8.85% | -12.51% | 0.86% | 6.73% |
| Free Cash Flow Per Share | -0.98 | -2.31 | -2.50 | -2.56 | 0.21 | 1.63 |
| Levered Free Cash Flow | -129.38M | -515.10M | -383.87M | -378.64M | 257.80M | 282.97M |
| Unlevered Free Cash Flow | 30.14M | -358.48M | -245.33M | -266.20M | 329.38M | 351.73M |
| Cash Interest Paid | 253.43M | 259.06M | 224.10M | 138.31M | 116.93M | 112.28M |
| Cash Income Tax Paid | 27.24M | 38.53M | 5.22M | 25.54M | 21.86M | 77.82M |
| Change in Working Capital | -446.00K | -21.19M | 21.40M | 13.45M | -1.71M | 11.41M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 751.83M | 690.18M | 823.62M | 1.03B | 1.32B | 2.19B |
| Enterprise Value | 4.41B | 4.28B | 4.09B | 3.85B | 3.70B | 4.77B |
| Last Close Price | 19.49 | 17.69 | 20.89 | 26.20 | 33.78 | 50.21 |
| PE Ratio | 11.67 | 11.24 | 11.96 | |||
| Forward PE | 5.95 | 7.97 | 11.33 | 44.34 | 18.79 | 17.46 |
| PS Ratio | 0.55 | 0.57 | 0.74 | 1.28 | 1.36 | 2.00 |
| PB Ratio | 0.70 | 0.66 | 0.69 | 0.83 | 1.02 | 1.65 |
| P/TBV Ratio | 0.72 | 0.72 | 1.11 | 1.40 | 1.66 | 2.72 |
| P/FCF Ratio | 157.85 | 29.71 | ||||
| P/OCF Ratio | 60.98 | 25.79 | ||||
| PEG Ratio | 6.61 | 6.61 | 6.61 | 6.61 | 6.61 | |
| EV/Sales Ratio | 3.30 | 3.56 | 3.67 | 4.80 | 3.83 | 4.35 |
| EV/EBITDA Ratio | 9.00 | 10.90 | 11.66 | 32.34 | 12.30 | 12.22 |
| EV/EBIT Ratio | 9.14 | 11.16 | 12.03 | 36.43 | 12.95 | 12.72 |
| EV/FCF Ratio | 443.83 | 64.69 | ||||
| Debt / Equity Ratio | 3.41 | 3.60 | 2.82 | 2.40 | 1.99 | 2.03 |
| Debt / EBITDA Ratio | 7.55 | 9.18 | 9.17 | 21.82 | 7.99 | 6.57 |
| Debt / FCF Ratio | 306.23 | 36.42 | ||||
| Net Debt / Equity Ratio | 3.29 | 3.49 | 2.73 | 2.29 | 1.89 | 1.96 |
| Net Debt / EBITDA Ratio | 7.50 | 9.25 | 9.28 | 23.86 | 8.08 | 6.64 |
| Net Debt / FCF Ratio | -96.64 | -40.21 | -32.98 | -28.30 | 291.76 | 35.15 |
| Asset Turnover | 0.25 | 0.24 | 0.24 | 0.18 | 0.23 | 0.25 |
| Quick Ratio | 17.50 | 16.73 | 12.82 | 13.61 | 12.47 | 12.43 |
| Current Ratio | 17.77 | 16.97 | 12.99 | 13.62 | 12.47 | 12.45 |
| Return on Equity (ROE) | -20.25% | -25.96% | 7.28% | -5.29% | 9.04% | 14.49% |
| Return on Assets (ROA) | 5.63% | 4.78% | 4.49% | 1.52% | 4.18% | 5.32% |
| Return on Invested Capital (ROIC) | 10.09% | 8.42% | 6.44% | 2.71% | 5.71% | 7.38% |
| Return on Capital Employed (ROCE) | 9.70% | 8.00% | 7.40% | 2.50% | 7.30% | 9.20% |
| Earnings Yield | -34.41% | -44.21% | 8.57% | -8.12% | 8.90% | 8.36% |
| FCF Yield | -5.16% | -13.09% | -11.98% | -9.77% | 0.63% | 3.37% |
| Buyback Yield / Dilution | 2.50% | 0.93% | -0.93% | 1.78% | 12.01% | 1.16% |