PRA GROUP INC PRAA

Financials SIC 6153 - Short-Term Business Credit Institutions NAICS Finance and Insurance › Credit Intermediation and Related Activities derived Nasdaq

We are a specialty finance company headquartered in Norfolk, Virginia and incorporated in Delaware. Our primary business is the purchase, collection and management of nonperforming loan portfolios, and we are a global leader in the industry. Most of the loans we purchase are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them ("Core" accounts). To a lesser extent, we also purchase loans in situations where the customer is involved in a bankruptcy or similar proceeding ("Insolvency" accounts). As part of an ancillary business, we purchase and provide fee-based services for class action claims recoveries in the U.S.

We are organized on a geographic basis, with our principal markets in the U.S. and Europe, where we have operations in 12 countries and the United Kingdom ("UK"). On a significantly smaller scale, we also operate in South America, Canada and Australia. Subject to globally-established parameters for capital allocation, portfolio return thresholds and leverage, each market functions under a similar debt management business model, which is predicated on purchasing nonperforming loans and generating returns through disciplined collection strategies over extended collection periods.

Last close 19.07 2026-10-23
Market cap $718.1M 2026-06-30 share count
52-week range 10.25 - 22.55

Valuation FY2025 figures against the last close

P/S0.6x
P/E—
P/FCF—
EV/EBITDA—
Dividend yield—
Diluted EPS-7.79

Where the revenue comes from as reported in the latest 10-K

Revenue by geography

  • U.S.
  • Foreign Countries
  • United Kingdom
Revenue by geography, 3 categories over 3 years. The same figures are in the table below. FY2025 U.S., FY2025: 611.3M (50.9%) 51% U.S. Foreign Countries, FY2025: 420.5M (35.0%) 35% Foreign Countries United Kingdom, FY2025: 170.1M (14.2%) 14% United Kingdom FY2024 U.S., FY2024: 593.9M (53.3%) 53% Foreign Countries, FY2024: 358.7M (32.2%) 32% United Kingdom, FY2024: 161.9M (14.5%) 15% FY2023 U.S., FY2023: 358.3M (44.6%) 45% Foreign Countries, FY2023: 324.3M (40.4%) 40% United Kingdom, FY2023: 120M (14.9%) 15%
Region FY2025FY2024FY2023
U.S. $611.3M $593.9M $358.3M
Foreign Countries $420.5M $358.7M $324.3M
United Kingdom $170.1M $161.9M $120.0M

As the company reported it, from the “Segments and Geographic Information - Schedule of Revenues and Long-lived Assets by Geographical Location (Details)” note of its latest 10-K. Every figure here has been checked against the total revenue the same filing reported. Regions are the filer's own and are not mapped onto a standard list — one company's “Americas” and another's “United States” are different areas, and making them look comparable would mean making at least one of them wrong. Slices under 1% are folded into “Other”.

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.20B$1.11B$802.6M$966.5M$1.10B$1.07B$15.8M$14.9M$24.9M$77.4M
Total operating expenses $1.23B$774.8M$702.1M$680.7M$720.7M$715.7M$745.4M$689.6M$602.6M$612.4M
Operating income -$30.3M$339.7M$100.5M$285.8M$375.0M$349.7M$247.7M$185.3M$213.7M$219.8M
Interest expense $251.8M$229.3M$181.7M$130.7M$125.2M$142.7M$144.2M$124.2M$103.7M$85.9M
Pre-tax income -$243.2M$109.6M-$82.9M$154.8M$250.3M$208.9M$117.4M$89.5M$160.3M$135.6M
Income tax $46.7M$21.0M$16.1M$36.8M$54.8M$41.2M$19.7M$13.8M$10.9M$43.6M
Net income -$305.0M$71.0M-$83.0M$117.0M$183.0M$149.3M$86.2M$65.6M$164.3M$86.3M
EPS, basic -7.791.79-2.132.964.073.281.901.453.601.86
EPS, diluted -7.791.79-2.132.944.043.261.891.443.591.86
Shares, diluted (wtd. avg.) 39.2M39.5M39.2M39.9M45.3M45.9M45.6M45.4M45.8M46.4M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $104.4M$105.9M$112.5M$84.8M$89.1M$121.0M$123.8M$98.7M$120.5M$94.3M
Property, plant and equipment $24.9M$29.5M$36.5M$51.6M$54.5M$58.4M$56.5M$54.1M$49.3M$38.7M
Goodwill $26.9M$396.4M$431.6M$435.9M$480.3M$493.0M$480.8M$464.1M$526.5M$499.9M
Other intangibles ——————$4.5M$5.5M$23.6M$27.9M
Total assets $5.10B$4.93B$4.53B$4.18B$4.37B$4.45B$4.42B$3.91B$3.70B$3.16B
Long-term debt —————————$1.82B
Total liabilities $4.06B$3.74B$3.29B$2.89B$3.04B$3.08B$3.20B$2.78B$2.55B$2.24B
Retained earnings $1.26B$1.56B$1.49B$1.57B$1.55B$1.51B$1.36B$1.28B$1.21B$1.05B
Total equity $979.9M$1.14B$1.24B$1.29B$1.32B$1.36B$1.23B$1.12B$1.14B$918.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow -$85.5M-$94.6M-$97.5M$21.6M$84.9M$141.7M$133.4M$80.9M$15.5M$205.9M
Depreciation and amortisation $8.8M$10.6M$13.1M$14.9M$15.1M$15.6M$15.9M$15.1M$15.4M$18.2M
Stock-based compensation $15.9M$13.5M$11.1M$13.0M$15.9M$14.4M$10.7M$8.5M$8.7M$6.1M
Capital expenditure $4.8M$4.0M$2.9M$13.3M$11.2M$17.2M$18.0M$20.5M$22.8M$14.2M
Investing cash flow -$59.9M-$382.5M-$234.9M$120.5M$160.4M$115.0M-$441.2M-$387.3M-$295.0M-$317.5M
Financing cash flow $116.0M$490.8M$355.3M-$121.3M-$262.8M-$252.1M$339.5M$294.9M$295.7M$94.4M
Buybacks $20.0M$0$0$111.4M$200.9M$0$0$0$44.9M$0

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001185348-26-000012.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -500M 0 500M 1B 1.5B Revenue, FY2016: 77.4M Net income, FY2016: 86.3M Revenue, FY2017: 24.9M Net income, FY2017: 164.3M Revenue, FY2018: 14.9M Net income, FY2018: 65.6M Revenue, FY2019: 15.8M Net income, FY2019: 86.2M Revenue, FY2020: 1.1B Net income, FY2020: 149.3M Revenue, FY2021: 1.1B Net income, FY2021: 183M Revenue, FY2022: 966.5M Net income, FY2022: 117M Revenue, FY2023: 802.6M Net income, FY2023: -83M Revenue, FY2024: 1.1B Net income, FY2024: 71M Revenue, FY2025: 1.2B Net income, FY2025: -305M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $77.4M $24.9M $14.9M $15.8M $1.07B $1.10B $966.5M $802.6M $1.11B $1.20B
Gross profit — — — — — — — — — —
Net income $86.3M $164.3M $65.6M $86.2M $149.3M $183.0M $117.0M -$83.0M $71.0M -$305.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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