PRAA - NASDAQ

PRA Group, Inc.

PRAA·NASDAQ

$14.02

-2.9%

Financial ServicesFinancial - Credit Services

PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. 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 incorporated in 1996 and is headquartered in Norfolk, Virginia.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$534.74M

EPS-7.7900

P/E Ratio-1.80

Earnings Date08/03/2026

5.10B

Assets

3Y+22.0%

5Y+15.0%

10Y+61.0%

4.06B

Total Liabilities

3Y+41.0%

5Y+32.0%

10Y+81.0%

1.04B

Total Equity

-13%

3Y-19.0%

5Y-24.0%

10Y+13.0%

PRA Group, Inc. Funding & Solvency Profile

PRAA · NASDAQ

Current Assets

Cash & Cash Equivalents104.41M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets104 M

Non-Current Assets

Property, Plant & Equipment54.09M

Goodwill & Intangible Assets26.87M

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets54 M

Total Assets

5.10B

Financial Health Analysis

Current Ratio

1.68x

Strong liquidity. The company has adequate resources to meet short-term liabilities.

Debt-to-Equity Ratio

3.91x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

42 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

2% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

PRA Group, Inc. Balance Sheet

PRAA • NASDAQ

PRA Group, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	104.4M	105.9M	112.5M	83.4M	87.6M	108.6M	119.8M	98.7M	120.5M	94.3M	71.4M	39.7M	162M	32.7M	26.7M	41.1M	20.3M	13.9M	16.7M	25.1M
Short-Term Investments	0.0	55.8M	59.5M	66.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	104.4M	161.7M	172M	150.2M	87.6M	108.6M	119.8M	98.7M	120.5M	94.3M	71.4M	39.7M	162M	32.7M	26.7M	41.1M	20.3M	13.9M	16.7M	25.1M
Net Receivables	0.0	4.2B	3.7B	3.3B	3.5B	3.5B	3.5B	3.1B	2.8B	2.3B	2.2B	2B	1.3B	1.1B	934.6M	842.6M	707.1M	575.7M	413.3M	228M
Accounts Receivables	0.0	4.1B	3.7B	3.3B	3.4B	3.5B	3.5B	3.1B	2.8B	2.3B	2.2B	2B	1.2B	1.1B	934.6M	8.9M	9.2M	8.3M	410.3M	0.0
Other Receivables	0.0	19.6M	27.7M	31.8M	41.1M	21.9M	28.5M	63M	37.5M	11.7M	30.8M	13M	24.1M	0.0	0.0	831.3M	697.9M	567.4M	3M	228M
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	-323K	-779K	0.0	0.0	-32.5M	-37.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	4M	0.0	0.0	43.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	104.4M	4.3B	3.9B	3.5B	3.6B	3.6B	3.7B	3.2B	2.9B	2.5B	2.3B	2.1B	1.4B	1.1B	961.3M	883.7M	727.4M	589.6M	430M	253.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	54.1M	61.7M	82.3M	106.2M	111.2M	111.3M	125.5M	54.1M	49.3M	38.7M	45.4M	48.3M	31.5M	25.3M	25.7M	24.3M	21.9M	23.9M	16.2M	11.2M
Goodwill	26.9M	396.4M	431.6M	435.9M	480.3M	493M	480.8M	464.1M	526.5M	499.9M	495.2M	527.4M	103.8M	109.5M	61.7M	61.7M	29.3M	27.5M	18.6M	18.3M
Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	4.5M	5.5M	23.6M	27.9M	23.8M	10.9M	15.8M	20.4M	14.6M	18.5M	10.8M	13.4M	5M	6.8M
Goodwill & Intangible Assets	26.9M	396.4M	431.6M	435.9M	480.3M	493M	485.3M	469.6M	550.1M	527.8M	518.9M	538.4M	119.6M	129.9M	76.3M	80.1M	40.1M	41M	23.7M	25M
Long-Term Investments	0.0	10.5M	12.9M	13.1M	93M	55.8M	56.2M	45.2M	78.3M	68.5M	73.8M	89.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Tax Assets	77M	75.1M	74.7M	56.9M	67.8M	83.2M	63.2M	61.5M	56.5M	28.5M	13.1M	6.1M	1.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	0.0	65.5M	67.5M	86.6M	57M	64.5M	31.7M	32.7M	32.7M	33.8M	33.4M	41.9M	23.5M	11.7M	7.8M	7.8M	5.2M	3.4M	6.4M	-36.2M
Total Non-Current Assets	157.9M	609.2M	669M	698.7M	809.2M	807.7M	757.4M	663.1M	766.8M	697.4M	684.6M	724.3M	176M	166.8M	109.8M	112.2M	67.1M	68.2M	46.3M	36.2M
Other Assets	4.8B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4.1M
Total Assets	5.1B	4.9B	4.5B	4.2B	4.4B	4.5B	4.4B	3.9B	3.7B	3.2B	3B	2.8B	1.6B	1.3B	1.1B	995.9M	794.4M	657.8M	476.3M	293.4M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	28.6M	17.9M	33M	23.1M	35M	8.3M	6.1M	15.8M	22.1M	25.4M	4.4M	14.8M	15.3M	20.5M	3.2M	4.1M	3.4M	4.1M	2.9M
Accounts Payable	0.0	0.0	6.3M	7.3M	3.8M	5.3M	4.3M	6.1M	5M	2.5M	4.2M	4.4M	14.8M	12.2M	7.4M	3.2M	4.1M	3.4M	4.1M	2.9M
Other Payables	0.0	28.6M	11.6M	25.7M	19.3M	29.7M	4M	0.0	10.8M	19.6M	21.2M	0.0	0.0	3.1M	13.1M	0.0	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	141.2M	138.2M	111.4M	127.8M	97.3M	88.9M	79.4M	86M	79.9M	95.4M	89.4M	27.7M	19M	22.1M	4.9M	4.5M	14.2M	11.3M	8.8M
Short Term Debt	32.2M	0.0	1.4B	1.1B	1.2B	1.6B	1.8B	1.2B	98.6M	0.0	47M	27.7M	0.0	127M	220M	300M	319.3M	268.3M	168M	0.0
Tax Payables	29.8M	28.6M	17.9M	25.7M	19.3M	29.7M	4M	15.1M	10.8M	19.6M	21.2M	11M	0.0	3.1M	13.1M	0.0	0.0	0.0	0.0	0.0
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	93M	94.5M	-1.8M	26.2M	69.6M	72.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	29.8M	163.4M	-1.3B	-947.3M	-1B	-1.4B	-1.9B	97.7M	0.0	83.2M	0.0	11M	-27.7M	-127M	0.0	-4.9M	128.8M	88.1M	57.6M	-11.7M
Total Current Liabilities	62M	333.2M	271.7M	257.4M	275.5M	265M	2B	1.3B	200.3M	185.1M	167.8M	132.5M	42.5M	34.2M	262.7M	488.5M	456.8M	374M	240.9M	2.9M
NON-CURRENT LIABILITIES
Long Term Debt	0.0	3.3B	2.9B	2.5B	2.6B	2.7B	2.8B	1.3B	2.2B	1.8B	1.7B	1.5B	451.8M	200.5M	1.2M	2.4M	1.5M	0.0	0.0	689.9K
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	3.2B	6.3M	9.5M	8.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	17.1M	16.8M	17.1M	42.9M	36.6M	40.9M	85.4M	115M	171.2M	258.3M	261.5M	255.6M	210.1M	185.3M	193.9M	0.0	0.0	0.0	57.6M	33.5M
Other Non-Current Liabilities	4B	24.5M	32.6M	34.4M	59.4M	55M	-1.8B	1.2B	9M	19.3M	4.4M	6M	55.1M	160.5M	17.8M	185.3M	701K	0.0	-57.6M	-34.4M
Total Non-Current Liabilities	4B	3.4B	3B	2.6B	2.8B	2.8B	1.2B	1.4B	2.4B	2.1B	2B	1.7B	689.3M	546.3M	213M	2.4M	2.2M	5K	103K	34.4M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	8.8M
Capital Lease Obligations	0.0	36.4M	50.3M	59.4M	61.2M	57.3M	73.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5K	103K	242.4K
Total Liabilities	4.1B	3.7B	3.3B	2.9B	3B	3.1B	3.2B	2.8B	2.6B	2.2B	2.2B	1.9B	731.8M	580.5M	475.6M	490.9M	459M	374M	241M	46.1M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.3B	1.2B	1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	385K	395K	392K	390K	410K	456K	454K	453K	452K	464K	462K	496K	498K	507K	171K	171K	155K	153K	152K	159.9K
Additional Paid-In Capital	0.0	17.9M	7.1M	2.2M	0.0	75.3M	67.3M	60.3M	53.9M	66.4M	64.6M	111.7M	135.4M	150.9M	167.7M	163.5M	82.4M	74.6M	71.4M	115.5M
Retained Earnings	1.3B	1.6B	1.5B	1.6B	1.6B	1.5B	1.4B	1.3B	1.2B	1B	964.3M	906M	729.5M	554.2M	427.6M	326.8M	253.4M	209M	163.7M	131.6M
Accumulated Other Comprehensive Income/Loss	-287M	-443.4M	-329.9M	-347.9M	-266.9M	-245.8M	-261M	-242.1M	-178.6M	-251.9M	-228.9M	-116M	4M	2.9M	0.0	0.0	-428K	89K	0.0	0.0
Other Total Stockholders' Equity	11.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	338K	0.0	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	979.9M	1.1B	1.2B	1.2B	1.3B	1.3B	1.2B	1.1B	1.1B	864.3M	800.5M	902.2M	869.5M	708.4M	595.5M	490.5M	335.5M	283.9M	235.3M	247.3M
Total Equity	1B	1.2B	1.2B	1.3B	1.3B	1.4B	1.2B	1.1B	1.1B	917.2M	839.7M	902.2M	869.5M	708.4M	613.3M	505M	335.5M	283.9M	235.3M	247.3M
Minority Interest	60.1M	58.6M	72.3M	59.1M	38.5M	31.6M	57.6M	28.8M	50.2M	52.9M	39.3M	0.0	0.0	0.0	17.8M	14.4M	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	5.1B	4.9B	4.5B	4.2B	4.4B	4.5B	4.4B	3.9B	3.7B	3.2B	3B	2.8B	1.6B	1.3B	1.1B	995.9M	794.4M	657.8M	476.3M	293.4M
Total Investments	0.0	66.3M	72.4M	79.9M	93M	55.8M	56.2M	45.2M	78.3M	68.5M	73.8M	89.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Debt	32.2M	3.4B	4.4B	3.6B	3.8B	4.3B	2.9B	2.5B	2.2B	1.8B	1.7B	1.5B	451.8M	327.5M	221.2M	302.4M	320.8M	268.3M	168.1M	932.3K
Net Debt	-72.2M	3.3B	4.3B	3.5B	3.8B	4.2B	2.8B	2.4B	2B	1.7B	1.6B	1.4B	289.8M	294.9M	194.5M	261.3M	300.5M	254.4M	151.4M	-24.2M
Shares Outstanding	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999	39,082,999

SEC Filings

PRAA - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	April 30, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 30, 2026	June 16, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 02, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 10, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 03, 2025	November 03, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 01, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	September 24, 2025	September 24, 2025	2025	View Filing

Showing 1 to 10 of 400 filings

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