PRA Group (PRAA) Financials: History & Chart

PRA Group, Inc.(PRAA)

Financial - Credit Services · Norfolk, VA

$20.04+0.63 (+3.25%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About PRA Group, Inc.

PRA Group, Inc., a financial and business services enterprise, specializes in the acquisition, management, and recovery of defaulted loan portfolios. Its operations span the Americas, Australia, and Europe. The company primarily procures overdue financial obligations from individuals, which were initially extended by various credit originators like banks, consumer and retail finance firms, and automotive lenders. The types of non-performing assets it acquires are diverse, encompassing balances from Visa, MasterCard, private label, and other credit cards, as well as installment loans, lines of credit, deficiency balances, legal judgments, and trade payables. These assets are sourced from a broad spectrum of entities, including banks, credit unions, retailers, utilities, and other financial institutions. Furthermore, PRA Group offers fee-based services, such as facilitating recoveries from class action claims and servicing consumer bankruptcy accounts. The company, which was established in 1996, changed its name from Portfolio Recovery Associates, Inc. to PRA Group, Inc. in October 2014. Its corporate headquarters are situated in Norfolk, Virginia.

Norfolk, VA

2,417 employees

www.pragroup.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Martin Sjolund

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	1.36B	372.17M	314.20M	363.32M	314.15M	290.73M	272.04M	295.94M	283.58M
Cost of Goods Sold	-99.31M	0.00	114.41M	-328.17M	114.44M	114.26M	109.91M	113.09M	110.11M
Gross Profit	1.46B	372.17M	199.79M	691.48M	199.70M	176.48M	162.14M	182.85M	173.47M
Gross Profit Margin	107.3%	100.0%	63.6%	190.3%	63.6%	60.7%	59.6%	61.8%	61.2%
Total Operating Expenses	936.87M	218.89M	87.84M	114.88M	515.25M	91.36M	87.56M	88.72M	83.49M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	194.02M	96.62M	0.00	0.00	97.40M	66.13M	83.68M	147.23M	57.48M
Operating Income (EBIT)	526.28M	153.28M	111.95M	576.60M	-315.55M	85.11M	74.58M	94.14M	89.98M
Operating Margin	38.6%	41.2%	35.6%	158.7%	-100.4%	29.3%	27.4%	31.8%	31.7%
Income Before Tax (EBT)	-188.88M	88.33M	40.54M	61.86M	-379.61M	61.13M	13.38M	33.40M	28.25M
Interest Income	319.63M	3.28M	316.35M	N/A	N/A	N/A	N/A	-2.24M	-3.79M
Interest Expense	223.34M	67.64M	66.41M	64.37M	24.91M	24.91M	24.91M	22.91M	25.37M
Other Income/Expense	-715.16M	-64.96M	-71.41M	-514.74M	-64.06M	-23.98M	-61.20M	-60.74M	-61.73M
Net Income	-265.05M	57.92M	28.21M	56.53M	-407.70M	42.37M	3.66M	18.46M	27.15M
Income Tax Expense	65.16M	29.39M	8.76M	2.65M	24.36M	15.41M	4.31M	10.62M	-672K
Net Profit Margin	-19.4%	15.6%	9.0%	15.6%	-129.8%	14.6%	1.3%	6.2%	9.6%
EBITDA	536.88M	158.01M	113.66M	578.33M	-313.11M	87.61M	78.35M	97.10M	92.45M
EBITDA Margin	39.4%	42.5%	36.2%	159.2%	-99.7%	30.1%	28.8%	32.8%	32.6%
Depreciation & Amortization	10.60M	4.72M	1.71M	1.73M	2.44M	2.50M	3.77M	2.97M	2.47M
EPS Basic	-6.71	1.52	0.74	1.46	-10.43	1.08	0.09	0.47	0.69
EPS Diluted	-6.73	1.51	0.73	1.46	-10.43	1.08	0.09	0.47	0.69
Weighted Average Basic Shares	38.10M	38.10M	38.37M	39.17M	39.08M	39.44M	39.55M	39.47M	39.42M
Weighted Average Diluted Shares	38.30M	38.30M	38.51M	39.17M	39.08M	39.54M	39.69M	39.68M	39.49M

Annual Income Statement (USD)

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Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	1.24B	1.12B	815.50M	966.52M	1.10B	1.07B	995.30M	877.96M
Cost of Goods Sold	10.44M	438.17M	399.46M	416.21M	426.12M	436.86M	310.44M	319.40M
Gross Profit	1.23B	685.65M	416.04M	550.31M	669.61M	628.55M	684.86M	558.56M
Gross Profit Margin	99.2%	61.0%	51.0%	56.9%	61.1%	59.0%	68.8%	63.6%
Total Operating Expenses	809.06M	345.92M	315.54M	264.51M	294.61M	278.85M	437.18M	373.30M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	0.00	324.99M	267.57M	265.36M	186.67M	214.17M	251.33M	208.06M
Operating Income (EBIT)	420.74M	339.73M	100.49M	285.80M	375.00M	349.70M	247.69M	185.26M
Operating Margin	33.9%	30.2%	12.3%	29.6%	34.2%	32.8%	24.9%	21.1%
Income Before Tax (EBT)	-243.24M	109.61M	-82.89M	154.78M	250.33M	208.94M	117.36M	89.50M
Interest Income	1.19B	-10.57M	-9.22M	2.23M	1.09M	1.01M	N/A	3.13M
Interest Expense	251.79M	88.73M	74.76M	51.70M	38.96M	35.50M	144.16M	124.21M
Other Income/Expense	-663.98M	-230.13M	-183.38M	-131.02M	-124.67M	-140.76M	-130.33M	-95.76M
Net Income	-305.14M	70.60M	-83.48M	117.15M	183.16M	149.34M	86.16M	65.56M
Income Tax Expense	46.73M	21.03M	-16.13M	36.79M	54.82M	41.20M	19.68M	13.76M
Net Profit Margin	-24.6%	6.3%	-10.2%	12.1%	16.7%	14.0%	8.7%	7.5%
EBITDA	431.18M	350.52M	119.11M	301.05M	390.25M	368.17M	265.15M	204.58M
EBITDA Margin	34.8%	31.2%	14.6%	31.1%	35.6%	34.6%	26.6%	23.3%
Depreciation & Amortization	10.44M	10.79M	18.61M	15.24M	15.26M	18.46M	17.46M	19.32M
EPS Basic	-7.79	1.79	-2.13	2.96	4.07	3.28	1.90	1.45
EPS Diluted	-7.79	1.79	-2.13	2.94	4.04	3.26	1.89	1.44
Weighted Average Basic Shares	39.17M	39.38M	39.18M	39.64M	44.96M	45.54M	45.39M	45.28M
Weighted Average Diluted Shares	39.17M	39.54M	39.18M	39.89M	45.33M	45.86M	45.58M	45.41M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.