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PRA Group, Inc. logo

PRA Group, Inc.

PRAA

NASDAQFinancial ServicesFinancial - Credit Services

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Previous close

$19.58

+$0.95 · +5.10%

Aug 21, 4:00 PM ET

PRAA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

47

Fair Value

Momentum

50

Neutral

Sentiment

54

Mixed

Risk resilience

50

Elevated Risk

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Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Martin Sjolund
Listed since
Nov 8, 2002
Employees
2,541

Market position

Day range

Current $19.58

52-week range

Current $19.58

Open
$18.75
Previous close
$18.63
Volume
434.61K
0.76× average
Average volume
573.15K
Average daily volume
Market cap
746.8M USD
Beta
1.1
Market reference 1
50-day average
$17.9294
+9.21% above average
200-day average
$16.8215
+16.40% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
620.72M USD
P/E (TTM)
-2.92×
P/B (TTM)
0.72×
P/S (TTM)
0.55×
EV / EBITDA
32.69×
Earnings yield
-44.03%
Free cash flow yield
-13.04%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
107.26%
Operating margin
38.58%
Net margin
-19.43%
Return on equity
-31.14%
Return on assets
-5.98%
Return on invested capital
180.98%

Financial health

Debt / equity
0.03×
Current ratio
1.68×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends112%62%13%-37%Gross margin, FY2021: 61.11%Gross margin, FY2022: 56.94%Gross margin, FY2023: 51.02%Gross margin, FY2024: 61.01%Gross margin, FY2025: 99.16%Operating margin, FY2021: 34.22%Operating margin, FY2022: 29.57%Operating margin, FY2023: 12.32%Operating margin, FY2024: 30.23%Operating margin, FY2025: 33.92%Net margin, FY2021: 16.72%Net margin, FY2022: 12.12%Net margin, FY2023: -10.24%Net margin, FY2024: 6.28%Net margin, FY2025: -24.60%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 61.11%. Gross margin FY2022 56.94%. Gross margin FY2023 51.02%. Gross margin FY2024 61.01%. Gross margin FY2025 99.16%. Operating margin FY2021 34.22%. Operating margin FY2022 29.57%. Operating margin FY2023 12.32%. Operating margin FY2024 30.23%. Operating margin FY2025 33.92%. Net margin FY2021 16.72%. Net margin FY2022 12.12%. Net margin FY2023 -10.24%. Net margin FY2024 6.28%. Net margin FY2025 -24.60%.

Income trends

Revenue

1.24B USD+10.36%

Operating income

420.74M USD+23.84%

Net income

−305.14M USD−375.74M USD
Income trends across reported periods1.39B USD776.63M USD158.47M USD−459.68M USDRevenue, FY2021: 1.1B USDRevenue, FY2022: 966.52M USDRevenue, FY2023: 815.5M USDRevenue, FY2024: 1.12B USDRevenue, FY2025: 1.24B USDOperating income, FY2021: 375M USDOperating income, FY2022: 285.8M USDOperating income, FY2023: 100.49M USDOperating income, FY2024: 339.73M USDOperating income, FY2025: 420.74M USDNet income, FY2021: 183.16M USDNet income, FY2022: 117.15M USDNet income, FY2023: −83.48M USDNet income, FY2024: 70.6M USDNet income, FY2025: −305.14M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.1B USD. Revenue FY2022 966.52M USD. Revenue FY2023 815.5M USD. Revenue FY2024 1.12B USD. Revenue FY2025 1.24B USD. Operating income FY2021 375M USD. Operating income FY2022 285.8M USD. Operating income FY2023 100.49M USD. Operating income FY2024 339.73M USD. Operating income FY2025 420.74M USD. Net income FY2021 183.16M USD. Net income FY2022 117.15M USD. Net income FY2023 −83.48M USD. Net income FY2024 70.6M USD. Net income FY2025 −305.14M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.24B USD1.12B USD815.5M USD966.52M USD1.1B USD
Cost of goods sold10.44M USD438.17M USD399.46M USD416.21M USD426.12M USD
Gross profit1.23B USD685.65M USD416.04M USD550.31M USD669.61M USD
Selling, general, and administrative—324.99M USD267.57M USD265.36M USD186.67M USD
Operating expenses809.06M USD345.92M USD315.54M USD264.51M USD294.61M USD
Interest income1.19B USD−10.57M USD−9.22M USD2.23M USD1.09M USD
Interest expense251.79M USD88.73M USD74.76M USD51.7M USD38.96M USD
Depreciation and amortization10.44M USD10.79M USD18.62M USD15.24M USD15.26M USD
Operating income420.74M USD339.73M USD100.49M USD285.8M USD375M USD
Net income−305.14M USD70.6M USD−83.48M USD117.15M USD183.16M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
-7.79
FY2025 · -535.20% year over year
Latest fiscal-year revenue
1.24B USD
FY2025 · +10.36% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend5.220.49-4.24-8.97FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend1.28B1.11B942.92M773.02MFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

13 ratings
Strong buy00%
Buy538%
Hold862%
Sell00%
Strong sell00%

Corporate actions

Corporate action history

Stock split

Effective Aug 2, 2013

3:1

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ETFs holding PRAA

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
20.31M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
19.6M
Weight
0.06%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
18.4M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
7.68M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
6.76M
Weight
0.05%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Schwab Fundamental U.S. Small Company Index ETF logoSchwab Fundamental U.S. Small Company Index ETFFNDA
Market value
4.36M
Weight
0.05%
AUM
9.26B USD
Expense ratio
0.25%
Price / 1D
$37.73+0.75%
First Trust Dow Jones Select MicroCap Index Fund logoFirst Trust Dow Jones Select MicroCap Index FundFDM
Market value
3.83M
Weight
0.91%
AUM
423.22M USD
Expense ratio
0.65%
Price / 1D
$92.96+0.50%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
3.73M
Weight
0.02%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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