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PRA GROUP INC

PRAA Clue Score39
United States Fiscal year ends December CIK 0001185348
$20.03 -1.43% Close, 9 Oct 2026
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Price $20.03 −53.34% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue77.4Operating income219.8Net income86.3EPS, diluted1.86Fiscal year 2017Revenue24.9 −67.8%Operating income213.7Net income164.3 +90.5%EPS, diluted3.59 +93.0%Fiscal year 2018Revenue14.9 −40.1%Operating income185.3Net income65.6 −60.1%EPS, diluted1.44 −59.9%Fiscal year 2019Revenue15.8 +5.7%Operating income247.7Net income86.2 +31.4%EPS, diluted1.89 +31.3%Fiscal year 2020Revenue9.7 −38.2%Operating income349.7Net income149.3 +73.3%EPS, diluted3.26 +72.5%Fiscal year 2021Revenue14.7 +50.8%Operating income375.0Net income183.2 +22.6%EPS, diluted4.04 +23.9%Fiscal year 2022Revenue966.5 +6,475.4%Operating income285.8Net income117.1 −36.0%EPS, diluted2.94 −27.2%Fiscal year 2023Revenue802.6 −17.0%Operating income100.5Net income−83.5 −171.3%EPS, diluted−2.13 −172.4%Fiscal year 2024Revenue1,114.5 +38.9%Operating income339.7Net income70.6EPS, diluted1.79Fiscal year 2025Revenue1,201.8 +7.8%Operating income−30.3Net income−305.1 −532.2%EPS, diluted−7.79 −535.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 77.4 24.9 14.9 15.8 9.7 14.7 966.5 802.6 1,114.5 1,201.8
Growth −67.8% −40.1% +5.7% −38.2% +50.8% +6,475.4% −17.0% +38.9% +7.8%
Operating income 219.8 213.7 185.3 247.7 349.7 375.0 285.8 100.5 339.7 −30.3
Net income 86.3 164.3 65.6 86.2 149.3 183.2 117.1 −83.5 70.6 −305.1
Growth +90.5% −60.1% +31.4% +73.3% +22.6% −36.0% −171.3% −532.2%
EPS, diluted 1.86 3.59 1.44 1.89 3.26 4.04 2.94 −2.13 1.79 −7.79
Growth +93.0% −59.9% +31.3% +72.5% +23.9% −27.2% −172.4% −535.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin284.0%Net margin111.5%Free cash flow margin247.8%Fiscal year 2017Operating margin857.8%Net margin659.5%Free cash flow margin−29.6%Fiscal year 2018Operating margin1,242.0%Net margin439.5%Free cash flow margin404.6%Fiscal year 2019Operating margin1,570.7%Net margin546.4%Free cash flow margin731.5%Fiscal year 2020Operating margin3,587.4%Net margin1,532.0%Free cash flow margin1,276.9%Fiscal year 2021Operating margin2,551.2%Net margin1,246.1%Free cash flow margin501.5%Fiscal year 2022Operating margin29.6%Net margin12.1%Free cash flow margin0.9%Fiscal year 2023Operating margin12.5%Net margin−10.4%Free cash flow margin−12.5%Fiscal year 2024Operating margin30.5%Net margin6.3%Free cash flow margin−8.9%Fiscal year 2025Operating margin−2.5%Net margin−25.4%Free cash flow margin−7.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 284.0% 857.8% 1,242.0% 1,570.7% 3,587.4% 2,551.2% 29.6% 12.5% 30.5% −2.5%
Net margin 111.5% 659.5% 439.5% 546.4% 1,532.0% 1,246.1% 12.1% −10.4% 6.3% −25.4%
Free cash flow margin 247.8% −29.6% 404.6% 731.5% 1,276.9% 501.5% 0.9% −12.5% −8.9% −7.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow205.9Capital expenditure−14.2Free cash flow191.7Buybacks0.0Fiscal year 2017Operating cash flow15.5Capital expenditure−22.8Free cash flow−7.4 −103.8%Buybacks−44.9Fiscal year 2018Operating cash flow80.9Capital expenditure−20.5Free cash flow60.3Buybacks0.0Fiscal year 2019Operating cash flow133.4Capital expenditure−18.0Free cash flow115.4 +91.2%Buybacks0.0Fiscal year 2020Operating cash flow141.7Capital expenditure−17.2Free cash flow124.5 +7.9%Buybacks0.0Fiscal year 2021Operating cash flow84.9Capital expenditure−11.2Free cash flow73.7 −40.8%Buybacks−200.9Fiscal year 2022Operating cash flow21.6Capital expenditure−13.3Free cash flow8.3 −88.7%Buybacks−111.4Fiscal year 2023Operating cash flow−97.5Capital expenditure−2.9Free cash flow−100.4 −1,304.0%Buybacks0.0Fiscal year 2024Operating cash flow−94.6Capital expenditure−4.0Free cash flow−98.6Buybacks0.0Fiscal year 2025Operating cash flow−85.5Capital expenditure−4.8Free cash flow−90.4Buybacks−20.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 205.9 15.5 80.9 133.4 141.7 84.9 21.6 −97.5 −94.6 −85.5
Capital expenditure −14.2 −22.8 −20.5 −18.0 −17.2 −11.2 −13.3 −2.9 −4.0 −4.8
Free cash flow 191.7 −7.4 60.3 115.4 124.5 73.7 8.3 −100.4 −98.6 −90.4
Growth −103.8% +91.2% +7.9% −40.8% −88.7% −1,304.0%
Buybacks 0.0 −44.9 0.0 0.0 0.0 −200.9 −111.4 0.0 0.0 −20.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash94.3Total debt1,815.1Net cash (debt)−1,720.8Shareholders’ equity864.3Debt to equity2.10Fiscal year 2017Cash120.5Shareholders’ equity1,090.6Fiscal year 2018Cash98.7Shareholders’ equity1,095.1Fiscal year 2019Cash119.8Shareholders’ equity1,169.4Fiscal year 2020Cash108.6Shareholders’ equity1,341.9Fiscal year 2021Cash87.6Shareholders’ equity1,286.3Fiscal year 2022Cash83.4Shareholders’ equity1,227.7Fiscal year 2023Cash112.5Shareholders’ equity1,167.1Fiscal year 2024Cash105.9Shareholders’ equity1,135.0Fiscal year 2025Cash104.4Shareholders’ equity979.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 94.3 120.5 98.7 119.8 108.6 87.6 83.4 112.5 105.9 104.4
Total debt 1,815.1 n/a n/a n/a n/a n/a n/a n/a n/a n/a
Net cash (debt) −1,720.8 n/a n/a n/a n/a n/a n/a n/a n/a n/a
Shareholders’ equity 864.3 1,090.6 1,095.1 1,169.4 1,341.9 1,286.3 1,227.7 1,167.1 1,135.0 979.9
Debt to equity 2.10 n/a n/a n/a n/a n/a n/a n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
284.0% 857.8% 1,242.0% 1,570.7% 3,587.4% 2,551.2% 29.6% 12.5% 30.5% −2.5%
175.3% 643.3% 600.0% 744.2% 2,143.5% 1,703.0% 16.0% −10.3% 9.8% −20.2%
111.5% 659.5% 439.5% 546.4% 1,532.0% 1,246.1% 12.1% −10.4% 6.3% −25.4%
247.8% −29.6% 404.6% 731.5% 1,276.9% 501.5% 0.9% −12.5% −8.9% −7.5%
Spending
18.3% 91.7% 137.6% 114.4% 176.8% 76.3% 1.4% 0.4% 0.4% 0.4%
32.1% −6.8% 15.4% 16.8% 19.7% 21.9% 23.8% n/a 19.2% n/a
Returns
10.0% 15.1% 6.0% 7.4% 11.1% 14.2% 9.5% −7.2% 6.2% −31.1%
2.7% 4.4% 1.7% 1.9% 3.4% 4.2% 2.8% −1.8% 1.4% −6.0%
Balance and payout
2.10 n/a n/a n/a n/a n/a n/a n/a n/a n/a
70.7% 68.9% 71.1% 72.3% 69.2% 69.7% 69.2% 72.6% 75.8% 79.6%
0.0% n/a 0.0% 0.0% 0.0% 272.5% 1,335.2% n/a n/a n/a