PRA Group, Inc. (PRAA) Stock Analysis
Financial Services · Credit Services · NasdaqGS
PRA Group, Inc. (PRAA) posted $1.20B in revenue for fiscal 2025 (up 7.8% year over year), with a net loss of $305.14M, and has compounded revenue about 2.4%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on PRA Group, Inc.
PRA Group, Inc. has grown revenue from $930.60M to $1.20B over the last 10 fiscal years, compounding about 2.4% a year. The most recent year was up 7.8%, so growth is actually accelerating.
Net margin sits at -25.4%, down 31.7 points year over year.
The one thing worth a second look in the filings is currently unprofitable.
Synthesised from PRA Group, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
PRA Group, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $930.60M | $828.21M | $908.26M | $1.02B | $1.07B | $1.10B | $966.52M | $802.55M | $1.11B | $1.20B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $86.25M | $164.31M | $65.56M | $86.16M | $149.34M | $183.16M | $117.15M | $-83.48M | $70.60M | $-305.14M |
| Net margin | 9.3% | 19.8% | 7.2% | 8.5% | 14.0% | 16.7% | 12.1% | -10.4% | 6.3% | -25.4% |
Source: PRA Group, Inc. SEC filings (10-K). 18 years of history available in the interactive view.
PRA Group, Inc.: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Currently unprofitableThe latest fiscal year was a net loss (net margin -25.4%).
Explore 18 years of PRA Group, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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PRA Group, Inc. financial history by metric
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About PRA Group, Inc.
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.
PRA Group, Inc. — frequently asked questions
What is PRA Group, Inc.'s revenue?
PRA Group, Inc. (PRAA) reported revenue of $1.20B for fiscal year 2025, up 7.8% from the prior year, according to its SEC filings.
Is PRA Group, Inc. profitable?
No — PRAA reported a net loss of $-305.14M in fiscal 2025.
What is PRAA's P/E ratio?
PRA Group, Inc. trades at a price-to-earnings ratio of about 0.0 based on the latest data in our nightly-refreshed cache.
How fast is PRA Group, Inc. growing?
PRAA's revenue grew at roughly 2.4% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does PRA Group, Inc. have?
As of fiscal year 2025, PRAA carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is PRA Group, Inc.'s market cap?
PRA Group, Inc. (PRAA) has a market capitalization of about $578.60M, based on the latest data in our nightly-refreshed cache.
When does PRA Group, Inc.'s fiscal year end?
PRAA's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
Where does this data come from?
All figures are computed from PRA Group, Inc.'s official SEC filings (10-K and 10-Q), covering 18 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.