PRA Group, Inc.
Financial ServicesNASDAQ:PRAA · NASDAQ Global Select
+$0.17 today
Vol 0.58M · Avg 0.47M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$1.3B of revenue converted into -$280.6M of net income for the selected period. Gross margin is 94.5% and net margin is -22.7%, showing how much revenue survives after costs and taxes. EPS is $-7.16, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.2B +10.4% | $1.1B +37.8% | $815.5M -15.6% | $966.5M -11.8% | $1.1B | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $10.4M -97.6% | $438.2M +9.7% | $399.5M -4.0% | $416.2M -2.3% | $426.1M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $1.2B +79.4% | $685.7M +64.8% | $416.0M -24.4% | $550.3M -17.8% | $669.6M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 99.2% +38.1pp | 61.0% +10.0pp | 51.0% -5.9pp | 56.9% -4.2pp | 61.1% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $0 -100.0% | $325.0M +21.5% | $267.6M +0.8% | $265.4M +42.2% | $186.7M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $809.1M +133.9% | $345.9M +9.6% | $315.5M +19.3% | $264.5M -10.2% | $294.6M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $10.4M -3.3% | $10.8M -42.0% | $18.6M +22.1% | $15.2M -0.1% | $15.3M | $374.2M | $1.2B | $631.8M |
| EBITDA | $19.0M -90.9% | $209.1M +1894.0% | $10.5M -93.8% | $170.4M -36.0% | $266.1M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 1.5% -17.1pp | 18.6% +17.3pp | 1.3% -16.3pp | 17.6% -6.7pp | 24.3% | 5.6% | 46.3% | 42.0% |
| Operating Income | $420.7M +23.8% | $339.7M +238.1% | $100.5M -64.8% | $285.8M -23.8% | $375.0M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 33.9% +3.7pp | 30.2% +17.9pp | 12.3% -17.2pp | 29.6% -4.7pp | 34.2% | 16.6% | 24.1% | 22.0% |
| Interest Income | $1.2B +11358.8% | -$10.6M -14.6% | -$9.2M -514.0% | $2.2M +104.8% | $1.1M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $251.8M +183.8% | $88.7M +18.7% | $74.8M +44.6% | $51.7M +32.7% | $39.0M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | -$664.0M -188.5% | -$230.1M -25.5% | -$183.4M -40.0% | -$131.0M -5.1% | -$124.7M | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | -$243.2M -321.9% | $109.6M +232.2% | -$82.9M -153.5% | $154.8M -38.2% | $250.3M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | -19.6% -29.4pp | 9.8% +19.9pp | -10.2% -26.2pp | 16.0% -6.8pp | 22.8% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $46.7M +122.2% | $21.0M +230.4% | -$16.1M -143.9% | $36.8M -32.9% | $54.8M | $1.3B | -$1.6B | $745.2M |
| Net Income | -$305.1M -532.2% | $70.6M +184.6% | -$83.5M -171.3% | $117.1M -36.0% | $183.2M | $4.9B | $4.8B | $4.7B |
| Net Margin | -24.6% -30.9pp | 6.3% +16.5pp | -10.2% -22.4pp | 12.1% -4.6pp | 16.7% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | -$8 -535.2% | $2 +184.0% | -$2 -172.0% | $3 -27.3% | $4 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | -$8 -535.2% | $2 +184.0% | -$2 -172.4% | $3 -27.2% | $4 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $39.2M -0.5% | $39.4M +0.5% | $39.2M -1.2% | $39.6M -11.8% | $45.0M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $39.2M -0.9% | $39.5M +0.9% | $39.2M -1.8% | $39.9M -12.0% | $45.3M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
General American Investors Company, Inc.
NYSE:GAM
$1.52B
Green Dot Corporation
NYSE:GDOT
$741.94M
Donegal Group Inc.
NASDAQ:DGICA
$645.38M
Midland States Bancorp, Inc.
NASDAQ:MSBI
$625.21M
Gladstone Investment Corporation
NASDAQ:GAIN
$613.21M
Bridgewater Bancshares, Inc.
NASDAQ:BWB
$557.67M
American Coastal Insurance Corporation
NASDAQ:ACIC
$506.45M
Northpointe Bancshares, Inc.
NYSE:NPB
$274.85M
BitFuFu Inc.
NASDAQ:FUFU
$265.98M
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does PRAA generate?
PRA Group, Inc. (PRAA) reported $1.24B of revenue in fiscal 2025.
Is PRAA profitable?
PRA Group, Inc. (PRAA) reported -$305,142,000.00 of net income, with a net margin of -24.6%.
Explore More
Continue the stock analysis
Jump to another research area for this company.