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1.62%
Pra group, inc.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Pra group, inc. (PRAA) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating PRAA's short-term business performance and financial health. For the latest updates on PRAA's earnings releases, visit this page regularly.
According to the latest financial report, Pra group, inc. (PRAA) reported an Operating Profit of 576.6M with an Operating Margin of 158.7% this period, representing a growth of 512.52% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Pra group, inc. (PRAA) announced revenue of 363.32M, with a Year-Over-Year growth rate of 23.9%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Pra group, inc. (PRAA) held Total Cash and Cash Equivalents of 104.41M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Pra group, inc. (PRAA) achieved the “three margins increasing” benchmark, with a gross margin of 190.33%%, operating margin of 158.7%%, and net margin of 15.56%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess PRAA's profit trajectory and future growth potential.
According to the past four quarterly reports, Pra group, inc. (PRAA)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.46. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Pra group, inc. (PRAA)'s Free Cash Flow (FCF) for the period is -11.35M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 68.56% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Pra group, inc. (PRAA) has a Price-To-Earnings (PE) ratio of 3.06 and a Price/Earnings-To-Growth (PEG) ratio of -0.03. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.