PRAANasdaqShort-Term Business Credit InstitutionsFiscal year ends December 31
PRA GROUP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$19.62+0.23 (+1.19%)
Close on Oct 19, 2026
- Market cap
- $751.50M
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Operating margin
-2.5%−35.3 pts over 5 years
Net margin
-25.4%−39.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +7.8% | +7.5% | +2.4% | +2.5% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.4% | 11.9% | -28.9% | |
| Return on assets | 2.8% | 3.4% | -6.1% | |
| Interest coverage | 2.6× | 2.5× | – | |
| Capex to revenue | 1.5% | 1.6% | 0.4% | |
| Diluted shares | 46M | 46M | 39M |
Where the cash went
Fiscal 2021 to 2025, five years combined
PRA generated $384.19M from operations and spent $368.47M on capital expenditure, dividends and share buybacks. 10% of that went back into the business.
Generated
$384.19M
Used
$368.47M
Capital expenditure$36.22M10%Dividends$00%Share buybacks$332.26M90%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-25.4%
×Asset turnover0.24×
×Equity multiplier4.74×
=Return on equity, FY2025-28.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -25.4% | 0.24× | 4.74× | -28.9% |
| FY2024 | 6.3% | 0.24× | 4.11× | 6.1% |
| FY2023 | -10.4% | 0.18× | 3.63× | -7.0% |
| FY2022 | 12.1% | 0.23× | 3.40× | 9.3% |
| FY2021 | 16.7% | 0.25× | 3.36× | 13.9% |
| FY2020 | 14.0% | 0.24× | 3.53× | 11.9% |
| FY2019 | 8.5% | 0.24× | 3.68× | 7.6% |
| FY2018 | 7.2% | 0.24× | 3.48× | 6.0% |
| FY2017 | 19.8% | 0.24× | 3.51× | 16.8% |
| FY2016 | 9.3% | 0.30× | 3.70× | 10.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
2of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-$305.14M
- Cash generatingOperating cash flow above zero-$85.54M
- Return on assets improvedROA up on the prior year1.6% → -6.2%
- Earnings backed by cashOperating cash flow above net income-$85.54M vs -$305.14M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise40M → 39M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.25 → 0.24