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
Market Cap
$652.73M
P/E (TTM)
-2.1
19.9
Dividend Yield
--
52W High
$22.01
52W Low
$10.25
52W Range
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
Q4 2025 Data
Revenue
$363.32M+0.00%
4-Quarter Trend
EPS
$1.46+0.00%
4-Quarter Trend
FCF
-$11.35M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Portfolio Income Growth Portfolio income reached $1.013B, increasing 18.2% driven by selective purchasing and improved capital allocation strategies.
Cash Collections Exceeded Target Total cash collections grew 12.8% to $2.11B, surpassing annual growth targets through U.S. legal expansion efforts.
Goodwill Impairment Recorded Recorded $412.6M goodwill impairment charge in DBC unit following stock price decrease and valuation assessment procedures.
Adjusted Profitability Stable Adjusted net income was $72.6M in 2025, slightly up from $70.6M in 2024, showing operational resilience despite GAAP loss.
Risk Factors
Significant Goodwill Impairment DBC reporting unit goodwill fully impaired by $412.6M due to terminal value decrease and higher discount rate assumptions.
Economic Downturn Sensitivity Financial performance sensitive to economic recession, inflation, and interest rate uncertainty impacting consumer debt repayment ability.
Regulatory Environment Uncertainty Evolving laws regarding data privacy, AI, and collection practices expose company to scrutiny, fines, and compliance costs.
Portfolio Acquisition Pricing Profitability dependent on acquiring sufficient NPL volume at favorable pricing; competitive factors limit ability to bid competitively.
Outlook
Strategic Platform Strengthening Focus on strengthening U.S. platform while building European business momentum executing near-term strategic priorities effectively.
Technology and Data Advancement Advance core systems, optimize collection mix, leverage technology standardization, and enhance data analytics using AI capabilities.
Capital Structure Maintenance Maintain diversified capital structure, completing issuance of first Euro-denominated senior notes totaling €300.0M for funding flexibility.
U.S. Cost Efficiency Progress U.S. initiatives included reducing onshore headcount by 40% while increasing Core cash collections by 19.8% concurrently.
Peer Comparison
Revenue (TTM)
$2.01B
$1.24B
$978.38M
Gross Margin (Latest Quarter)
190.3%
88.5%
82.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| SMBC | $685.27M | 10.6 | 11.8% | 2.9% |
| PRAA | $652.73M | -2.1 | -27.3% | 0.6% |
| DGICA | $616.37M | 6.7 | 12.9% | 1.5% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
10.1%
Steady Growth
4Q Net Income CAGR
149.1%
Profitability Improved
Cash Flow Stability
0%
Cash Flow Needs Attention
Deep Research
Next earnings:May 4, 2026
EPS:$0.51
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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