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PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include general purpose and private label credit cards, consumer loans, auto loans, overdrafts and small business loans. 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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.2B | $-128M | $-305M | $-90M | -31.1% | 8.0% | -532.2% |
| 2024 | $1.1B | $209M | $71M | $-99M | 6.2% | 40.0% | -184.6% |
| 2023 | $803M | $-63M | $-83M | $-100M | -7.2% | -17.0% | -171.3% |
| 2022 | $967M | $170M | $117M | $8M | 9.5% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 1,213.34 |
| Operating Revenue | 1,024.78 |
| Cost Of Revenue | 446.87 |
| Gross Profit | 766.47 |
| Operating Expense | 522.83 |
| Selling General And Administration | 361.58 |
| Total Expenses | 969.71 |
| Operating Income | 243.64 |
| Total Operating Income As Reported | -30.27 |
| EBITDA | -127.65 |
| Normalized EBITDA | 284.21 |
| EBIT | -138.09 |
| Interest Income | - |
| Interest Expense | 105.15 |
| Net Interest Income | -113.08 |
| Other Non Operating Income Expenses | -0.34 |
| Other Income Expense | -373.79 |
| Interest Income Non Operating | - |
| Interest Expense Non Operating | 105.15 |
| Net Non Operating Interest Income Expense | -113.08 |
| Pretax Income | -243.24 |
| Tax Provision | 46.74 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -86.49 |
| Net Income Continuous Operations | -289.97 |
| Net Income From Continuing And Discontinued Operation | -305.14 |
| Net Income From Continuing Operation Net Minority Interest | -305.14 |
| Net Income | -305.14 |
| Net Income Common Stockholders | -305.14 |
| Net Income Including Noncontrolling Interests | -289.97 |
| Normalized Income | 20.22 |
| Diluted NI Availto Com Stockholders | -305.14 |
| Basic Average Shares | 39.17 |
| Diluted Average Shares | 39.17 |
| Reconciled Depreciation | 10.44 |
| Reconciled Cost Of Revenue | 446.87 |
| Total Unusual Items | -411.86 |
| Total Unusual Items Excluding Goodwill | -411.86 |
| Minority Interests | -15.17 |
| Special Income Charges | - |
| Impairment Of Capital Assets | 412.61 |
| Gain On Sale Of Security | 0.76 |
| Depreciation Amortization Depletion Income Statement | 10.44 |
| Depreciation And Amortization In Income Statement | 10.44 |
| General And Administrative Expense | 361.58 |
| Other Gand A | 347.06 |
| Rent Expense Supplemental | 14.52 |
| Total Other Finance Cost | 7.94 |
| Other Operating Expenses | 150.82 |
| Rent And Landing Fees | 14.52 |
| Earnings From Equity Interest | 38.40 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| PRA Group, Inc.this co. | PRAA | $574M | -1.88 | 0.59 | -31.1% | - |
| Red River Bancshares, Inc. | RRBI | $594M | 13.90 | 1.63 | 11.7% | - |
| Bar Harbor Bankshares | BHB | $594M | 16.08 | 1.11 | 6.9% | - |
| Midland States Bancorp, Inc. | MSBI | $591M | -4.76 | 1.30 | -27.3% | - |
| AMERISAFE, Inc. | AMSF | $576M | 12.22 |
| - |
| - |
| - |
| - |
| - |
| 2.29 |
| 18.7% |
| - |
| Innventure, Inc. | INV | $562M | -1.92 | 0.98 | -50.9% | -1.17 |
| ACNB Corporation | ACNB | $553M | 14.92 | 1.32 | 8.8% | - |
| Southern First Bancshares, Inc. | SFST | $553M | 18.20 | 1.50 | 8.2% | - |
| Northrim BanCorp, Inc. | NRIM | $552M | 8.54 | 1.69 | 19.8% | - |
| Peer Median | - | 13.06 | 1.41 | 8.5% | -1.17 | |