Pra Group Inc
PRAA Nasdaq· Short-Term Business Credit Institutions
Last close · Oct 23, 2026
$19.08
KIRA · Stoqly’s AI analyst, in plain words
- Pra Group Inc had $1.2B of revenue in fiscal 2025, up 7.8% on the year before. Over five years, revenue changed +2.4% a year on average.
- Its operating margin was −2.5%, down 33.0 pts: of every 100 in sales, about −3 is left after running the business.
- Pra Group Inc lost $305M in fiscal 2025.
- Free cash flow was −$90.4M in fiscal 2025, −7.5% of revenue.
- Pra Group Inc returned $20.0M to shareholders in fiscal 2025. The diluted share count fell 0.9%.
Market cap
$731M
P/E
—
Revenue
$1.2B
Net income
−$305M
Free cash flow
−$90.4M
Operating margin
−2.5%
Pra Group Inc in 30 seconds · fiscal 2025
Are sales growing?
+7.8%
Yes. Sales grew 7.8% last year.
Does it make a profit?
−25.4%
No. It lost money last year.
Does profit turn into cash?
−7.5%
No. It spent more cash than it brought in.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Pra Group Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 2, 2026
- Legal name
- PRA GROUP INC
- CIK
- 0001185348
Pra Group Inc · PRAA
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.1B | $967M | $803M | $1.1B | $1.2B |
| Revenue growth | 2.8% | −11.8% | −17.0% | 38.9% | 7.8% |
| Net interest income | −$124M | −$131M | −$182M | −$229M | −$252M |
| Operating margin | 34.2% | 29.6% | 12.5% | 30.5% | −2.5% |
| Net income | $183M | $117M | −$83.5M | $70.6M | −$305M |
| Net margin | 16.7% | 12.1% | −10.4% | 6.3% | −25.4% |
| Diluted EPS | $4.04 | $2.94 | −$2.13 | $1.79 | −$7.79 |
| Cash | |||||
| Cash from operations | $84.9M | $21.6M | −$97.5M | −$94.6M | −$85.5M |
| Capital expenditure | $11.2M | $13.3M | $2.9M | $4.0M | $4.8M |
| Free cash flow | $73.7M | $8.3M | −$100M | −$98.6M | −$90.4M |
| FCF margin | 6.7% | 0.9% | −12.5% | −8.9% | −7.5% |
| Share buybacks | $201M | $111M | $0.0M | $0.0M | $20.0M |
| Share count change | −1.2% | −12.0% | −1.8% | 0.9% | −0.9% |
| Debt and strength | |||||
| Cash and short-term investments | $87.6M | $83.4M | $113M | $106M | $104M |
| Shareholders' equity | $1.3B | $1.2B | $1.2B | $1.1B | $980M |
| Interest coverage | 3.0x | 2.2x | 0.5x | — | — |
| Returns and quality | |||||
| Return on equity | 13.9% | 9.3% | −7.0% | 6.1% | −28.9% |
| Return on tangible equity | 22.7% | 14.8% | −11.3% | 9.6% | −32.0% |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Pra Group Inc · PRAA
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $19.08 a share, the company is worth $731M.
Source: SEC EDGAR XBRL filings (CIK 0001185348). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.