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PRA Group, Inc.

PRA Group, Inc.

NASDAQ•PRAA
CEO: Mr. Steven D. Fredrickson
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 2002-11-08
PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. 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 card accounts, private label and other credit card accounts, personal loans, automobile loans, and small business loans 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. 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 founded in 1996 and is headquartered in Norfolk, Virginia.
Contact Information
120 Corporate Boulevard, Norfolk, VA, 23502, United States
888-772-7326
www.pragroup.com
Market Cap
$646.97M
P/E (TTM)
-1.9
28.4
Dividend Yield
--
52W High
$23.97
52W Low
$12.29
52W Range
37%
Rank49Top 66.7%
3.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$314.15M+17.00%
4-Quarter Trend

EPS

-$10.43-1611.59%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Revenue Increased Modestly Total revenues for nine months reached $868.4M USD, showing a 5.7% increase compared to the prior year period results.
Cash Collections Grew Total company cash collections rose to $1.576B USD year-to-date, marking a 12.5% increase over the comparable 2024 period.
New 2032 Senior Notes Completed private offering of €300.0M senior notes due September 30, 2032, strengthening long-term capital structure.

Risk Factors

Substantial Net Loss Reported Nine months net loss attributable to PRA Group, Inc. totaled $(361.7M) USD, resulting in basic EPS of $(9.20).
Goodwill Impairment Charge Recorded $26.9M goodwill impairment charge in Q3 2025, driven by stock price and market capitalization decline.
Stockholders Equity Decreased Total stockholders' equity dropped 18.2% to $928.5M USD compared to December 31, 2024 balance.

Outlook

Forward Flow Commitments Active Estimated forward flow purchases of $297.8M USD are committed over the next 12 months across geographies.
Assessing New Tax Legislation Currently assessing impact of recently enacted U.S. OBBBA tax reform provisions on future income tax expense.
Share Repurchase Capacity $57.7M remains authorized for share repurchases under the program, subject to credit facility covenants compliance.

Peer Comparison

Revenue (TTM)

PRA Group, Inc.PRAA
$1.17B
+13.3%
Donegal Group Inc.DGICA
$988.19M
+0.9%
Midland States Bancorp, Inc.MSBI
$483.78M
+0.6%

Gross Margin (Latest Quarter)

Midland States Bancorp, Inc.MSBI
100.0%
+0.0pp
Gladstone Investment CorporationGAIN
73.3%
+2.6pp
Alerus Financial CorporationALRS
72.2%
+11.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
DGICA$689.88M7.014.6%1.4%
SMBC$672.22M10.911.5%0.0%
PRAA$646.97M-1.9-29.7%0.6%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.0%
Moderate Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
25%
Cash Flow Needs Attention

Research & Insights

Next earnings:Feb 18, 2026
|
EPS:$0.50
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|
    Revenue: $314.15M+17.0%
    |
    EPS: $-10.43-1611.6%
    Miss
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $290.73M+0.3%
    |
    EPS: $1.08+96.4%
    Beat
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $272.04M+6.4%
    |
    EPS: $0.09+4.5%
    Miss
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $1.12B+37.8%
    |
    EPS: $1.79+184.0%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 8, 2024|
    Revenue: $268.50M+22.7%
    |
    EPS: $0.69-322.6%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $289.76M+35.4%
    |
    EPS: $0.55-666.4%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $255.59M+60.2%
    |
    EPS: $0.09-105.9%
    Beat
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 29, 2024|
    Revenue: $815.50M-15.8%
    |
    EPS: $-2.13-172.0%
    Miss