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PRA Group Inc (PRAA) stock

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NASDAQ: PRAA Nasdaq Consumer Finance Next results ~November 5, 2026

C+ Fundamentals grade

PRA Group Inc is a US-listed company in the consumer finance industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Model estimate per share

~$21

Valuation models combined (2)

Base case. Range ~$20–$22. Weighted average of 2 models (price-to-book vs return on equity (peers), price-to-book vs peers).

Price vs value

No Buy/Hold/Sell rating is issued: only 2 valuation models apply; a rating needs 3.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders1 buying, 0 selling1 purchase and 0 sales by directors and officers, last 12 monthsInsider trades
  • Funds95 adding, 103 cuttingOf 38 active managers that changed their stake, 27 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter PRA Group files

Where PRA stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $1.33bn, up 17.6% on a year earlier, faster than the 10.5% growth a quarter earlier. The diluted share count is down 2.4% on a year earlier, which lifts each remaining share. Our valuation models combined value is $24.65 a share, against a share price of $19.20.

Source: 10-Q filed August 7, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~November 5, 2026 (estimated)

PRA Group Inc's trailing-twelve-month revenue grew 17.6% year on year, with a free-cash-flow margin of -2.8%. Where it stands out: change in growth rate of +7.1pp ranks 7 of 38 consumer finance companies we cover. Where it lags: net margin of -19.9% ranks 35 of 39 consumer finance companies we cover.

Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 188% in the quarter to 2026-06-30, the 4th beat in the last four quarters.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Strengths

  • Fast growth. Revenue grew 17.6% over the last 12 months, against a median of 10.4% for consumer finance companies we cover.
  • Growth speeding up. The growth rate is 7.1 points higher than a quarter earlier.
  • Shrinking share count. Diluted shares fell 2.4% in a year, so each share owns more of the business.
  • Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.

Things to watch

  • Margins narrowing. Operating margin is down 25.4 points on a year ago.
  • Burning cash. Free cash flow was -2.8% of revenue over the last 12 months.
  • Volatile shares. Over the past year the shares showed annualised volatility of 60% and a beta of 0.9 against the S&P 500.
  • Below peers: net margin. Net margin of -19.9% ranks 35 of 39 consumer finance companies we cover (median 10.5%).
  • Estimates being cut. Analysts' consensus for next year's earnings per share has fallen 8.0% over 90 days.
  • Earnings expected to fall. The consensus expects earnings per share to fall 24% next year.

Latest results: FY2026 Q2

Filed August 7, 2026
Earnings per share
$1.51 against an average estimate of $0.53: beat by 187.6%
Revenue
$372m, up 29.4% on a year earlier
Share reaction
+15.1% in the first session after the results on August 6, 2026, against +0.5% for the S&P 500
Next report
November 5, 2026; average EPS estimate $0.80

PRA Group's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+1.3%
  • 1 week+3.0%
  • 1 month+4.6%
  • This year+11.6%
  • 1 year+44.0%
  • 5 years-55.2%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$1.3B
Operating margin
5.0%
Net margin
-19.9%
EPS (TTM, diluted)
$-6.87

Growth

Revenue growth
+17.6%
Change in growth rate
+7.1 pts
Share count change
−2.4%

Earnings

Last results
August 6, 2026

News & updates

Updated November 2, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Announcement
  2. Announcement
  3. Agreement
  4. Announcement
  5. Announcement
  6. Leadership
  7. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: only 2 valuation models apply; a rating needs 3.

Valuation models

We value PRA Group Inc as a bank or lender, with every model that fits that kind of business. Cost of equity 9.1%: the 10-year Treasury yield (4.9%) plus a beta of 0.93 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$3.1 ~$1.5–$6.1 Left out: out of range vs price (0.16x)
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: return on equity is not positive
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$20 ~$5.0–$35 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$22 ~$29–$43 Included
Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. — Does not apply: no positive earnings in the latest twelve months
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$21 ~$20–$22 2 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare PRA Group Inc with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

42 /100

Weak moat

How hard PRA Group's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median 2.0% of total assets over 10 years.

  • Durability 11 / 20

    Operating margin has been a median 25.3%; its worst year was 5.0%.

  • Cash conversion 7 / 20

    Free cash flow was positive in 6 of 10 years, at a median 1.7% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 16.0% over five years; stock-based pay has been a median 1.2% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (47 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 5, 2026, after the close. Analysts expect revenue of $307m and EPS of $0.80 (range $0.53 to $1.07) for the quarter.

Analysts' consensus

PRA Group Inc: consensus estimates
Fiscal yearEPSGrowthRevenueGrowth
Current $3.40 +85% $1.3bn +9%
Next $2.60 −24% $1.2bn −5%

Next year's EPS estimate has moved −8.0% in 90 days, across 1 analysts.

Earnings against estimates

PRA Group Inc: reported EPS against the consensus estimate
Quarter toEstimateActualSurprise
Jun 2026 $0.53 $1.51 +187.6%
Mar 2026 $0.51 $0.73 +44.5%
Dec 2025 $0.50 $1.46 +192.0%
Sept 2025 $0.50 $0.53 +6.1%

Adjusted EPS as companies report it, against the average analyst estimate.

Analyst recommendations

3 analysts, Oct 2026
Buy133%
Hold267%
Sell00%

Monthly trend

  1. Oct 2026123
  2. Sep 2026123

Counts of recommendations published by analysts covering PRA Group Inc, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
2.7%
of tradable shares
Days to cover
1.82
at average volume
Short interest, 1 month
−12%
to September 30, 2026
Held by institutions
95%
of shares
Held by insiders
2.3%
of shares
Employees
2,417
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +44.0%

$13.71 on October 31, 2025 to $19.74

PRA Group Inc: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $1.1bn $1.3bn +17.6%
P/S multiple 0.5x 0.6x +19.5%
Share count 40m 39m +2.5%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

Last 3 years +40.6%

$14.04 on November 3, 2023 to $19.74

PRA Group Inc: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $832m $1.3bn +59.9%
P/S multiple 0.7x 0.6x −13.3%
Share count 39m 39m +1.4%

Biggest factor: revenue. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

PRA Group Inc: yearly return, monthly win rate and worst fall against the S&P 500
Calendar year 202120222023202420252026 to date
Return
PRAA+27%−33%−22%−20%−15%+12%
Industry peers (median)+44%−34%+15%+30%+22%−4%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
PRAA75%33%50%33%50%64%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
PRAA−17%−40%−71%−33%−46%−41%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 3, 2015: 80% from November 4, 2015 to February 23, 2026. Getting back needed a 403% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$10.42 – $22.23
From 52-week high
−11.2%
vs 50-day average
+0.4%
vs 200-day average
+12.2%
Volatility (1 year)
60%
Beta vs S&P 500
0.88

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±12.5%
After a week
7 up, 5 down
typical move ±17.2%
After a month
4 up, 8 down
typical move ±16.4%
PRA Group Inc: share-price change after each results release
Results releasedNext dayS&P 500 next day5 days21 days
August 6, 2026 +15.1% +0.5% +17.8% +10.6%
May 7, 2026 −9.9% +0.5% −30.9% −28.6%
February 26, 2026 +34.6% −1.0% +61.2% +44.0%
November 3, 2025 −4.9% −1.0% +11.2% +24.7%
August 4, 2025 +3.3% +1.0% +1.4% +12.1%
May 5, 2025 −29.7% −1.4% −23.0% −25.4%
February 19, 2025 −5.3% −0.2% −9.7% −14.8%
November 4, 2024 +14.3% +1.0% +15.4% −0.4%
August 5, 2024 −10.3% −2.0% −5.1% −7.5%
May 6, 2024 +0.4% +1.1% +7.3% −16.5%
February 15, 2024 +21.6% +0.2% +14.1% −0.3%
August 7, 2023 −0.6% +0.4% −8.7% −12.1%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

PRA Group Inc in five measures

Fundamentals grade C+
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) PRA Group Inc
$800M $1B $1.2B $1.4B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $804M Revenue (TTM), FY23 Q4: $802.6M Revenue (TTM), FY24 Q1: $902.7M Revenue (TTM), FY24 Q2: $977.7M Revenue (TTM), FY24 Q3: $1B Revenue (TTM), FY24 Q4: $1.1B Revenue (TTM), FY25 Q1: $1.1B Revenue (TTM), FY25 Q2: $1.1B Revenue (TTM), FY25 Q3: $1.2B Revenue (TTM), FY25 Q4: $1.2B Revenue (TTM), FY26 Q1: $1.2B Revenue (TTM), FY26 Q2: $1.3B $1.3B

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $804M
FY23 Q4 $802.6M
FY24 Q1 $902.7M
FY24 Q2 $977.7M
FY24 Q3 $1B
FY24 Q4 $1.1B
FY25 Q1 $1.1B
FY25 Q2 $1.1B
FY25 Q3 $1.2B
FY25 Q4 $1.2B
FY26 Q1 $1.2B
FY26 Q2 $1.3B
Revenue growth, TTM YoY PRA Group Inc
-20% 0% 20% 40% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: -19.7% Revenue growth, TTM YoY, FY23 Q4: -17.0% Revenue growth, TTM YoY, FY24 Q1: 2.4% Revenue growth, TTM YoY, FY24 Q2: 17.5% Revenue growth, TTM YoY, FY24 Q3: 29.7% Revenue growth, TTM YoY, FY24 Q4: 38.9% Revenue growth, TTM YoY, FY25 Q1: 25.0% Revenue growth, TTM YoY, FY25 Q2: 15.8% Revenue growth, TTM YoY, FY25 Q3: 11.4% Revenue growth, TTM YoY, FY25 Q4: 7.8% Revenue growth, TTM YoY, FY26 Q1: 10.5% Revenue growth, TTM YoY, FY26 Q2: 17.6% 17.6%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 -19.7%
FY23 Q4 -17.0%
FY24 Q1 2.4%
FY24 Q2 17.5%
FY24 Q3 29.7%
FY24 Q4 38.9%
FY25 Q1 25.0%
FY25 Q2 15.8%
FY25 Q3 11.4%
FY25 Q4 7.8%
FY26 Q1 10.5%
FY26 Q2 17.6%
Operating margin (TTM) PRA Group Inc
-10% 0% 10% 20% 30% 40% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Operating margin (TTM), FY23 Q3: 14.2% Operating margin (TTM), FY23 Q4: 12.5% Operating margin (TTM), FY24 Q1: 22.2% Operating margin (TTM), FY24 Q2: 25.0% Operating margin (TTM), FY24 Q3: 27.9% Operating margin (TTM), FY24 Q4: 30.5% Operating margin (TTM), FY25 Q1: 30.8% Operating margin (TTM), FY25 Q2: 30.4% Operating margin (TTM), FY25 Q3: -5.3% Operating margin (TTM), FY25 Q4: -2.5% Operating margin (TTM), FY26 Q1: -0.1% Operating margin (TTM), FY26 Q2: 5.0% 5.0%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Operating margin (TTM)
FY23 Q3 14.2%
FY23 Q4 12.5%
FY24 Q1 22.2%
FY24 Q2 25.0%
FY24 Q3 27.9%
FY24 Q4 30.5%
FY25 Q1 30.8%
FY25 Q2 30.4%
FY25 Q3 -5.3%
FY25 Q4 -2.5%
FY26 Q1 -0.1%
FY26 Q2 5.0%
FCF margin (TTM) PRA Group Inc
-15% -10% -5% 0% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: -12.2% FCF margin (TTM), FY23 Q4: -12.5% FCF margin (TTM), FY24 Q1: -14.0% FCF margin (TTM), FY24 Q2: -12.6% FCF margin (TTM), FY24 Q3: -11.5% FCF margin (TTM), FY24 Q4: -8.9% FCF margin (TTM), FY25 Q1: -7.0% FCF margin (TTM), FY25 Q2: -5.5% FCF margin (TTM), FY25 Q3: -3.2% FCF margin (TTM), FY25 Q4: -7.5% FCF margin (TTM), FY26 Q1: -1.1% FCF margin (TTM), FY26 Q2: -2.8% -2.8%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 -12.2%
FY23 Q4 -12.5%
FY24 Q1 -14.0%
FY24 Q2 -12.6%
FY24 Q3 -11.5%
FY24 Q4 -8.9%
FY25 Q1 -7.0%
FY25 Q2 -5.5%
FY25 Q3 -3.2%
FY25 Q4 -7.5%
FY26 Q1 -1.1%
FY26 Q2 -2.8%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q, 10-Q/A. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

PRA Group Inc: annual financial statements
Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 281 373 459 593 735 881 942 931 828 908 1,017 1,065 1,096 967 803 1,115 1,202 1,331
EBITDA 87 137 186 225 307 356 327 238 229 200 264 365 390 301 114 350 −21 —
Operating income 81 130 178 216 298 342 310 220 214 185 248 350 375 286 100 340 −30 67
Net income 44 73 101 127 175 177 168 86 164 66 86 149 183 117 −83 71 −305 −265
Diluted EPS $0.96 $1.45 $1.95 $2.46 $3.45 $3.50 $3.47 $1.86 $3.59 $1.44 $1.89 $3.26 $4.04 $2.94 −$2.13 $1.79 −$7.79 −$6.87
Growth (year on year)
Revenue +6.8% +32.6% +23.1% +29.2% +24.0% +19.8% +6.9% −1.2% −11.0% +9.7% +12.0% +4.8% +2.8% −11.8% −17.0% +38.9% +7.8% +17.6%
EBITDA −5.6% +57.3% +35.8% +20.8% +36.7% +15.8% −8.2% −27.1% −3.7% −12.6% +31.6% +38.6% +6.8% −22.9% −62.2% +208.4% −106.1% —
Operating income −5.0% +61.1% +37.1% +21.4% +37.7% +15.0% −9.3% −29.2% −2.7% −13.3% +33.7% +41.2% +7.2% −23.8% −64.8% +238.1% −108.9% −80.6%
Net income −2.3% +65.8% +37.2% +25.6% +38.5% +0.7% −4.9% −48.6% +90.5% −60.1% +31.4% +73.3% +22.6% −36.0% −171.3% — −532.2% −389.2%
Diluted EPS −3.4% +51.6% +34.5% +26.2% +40.2% +1.4% −0.9% −46.4% +93.0% −59.9% +31.3% +72.5% +23.9% −27.2% −172.4% — −535.2% −396.4%
Margins
EBITDA margin 31.0% 36.8% 40.6% 37.9% 41.8% 40.4% 34.7% 25.6% 27.7% 22.1% 25.9% 34.3% 35.6% 31.1% 14.2% 31.4% −1.8% —
Operating margin 28.7% 34.8% 38.8% 36.4% 40.5% 38.8% 32.9% 23.6% 25.8% 20.4% 24.4% 32.8% 34.2% 29.6% 12.5% 30.5% −2.5% 5.0%
Net margin 15.8% 19.7% 22.0% 21.4% 23.8% 20.0% 17.8% 9.3% 19.8% 7.2% 8.5% 14.0% 16.7% 12.1% −10.4% 6.3% −25.4% −19.9%
Free-cash-flow margin 28.7% 36.0% 35.6% 21.0% 28.5% 27.6% 20.0% 20.6% −0.9% 6.6% 11.3% 11.7% 6.7% 0.9% −12.5% −8.9% −7.5% −2.8%
Cash flow
Cash from operations 85 144 173 131 225 268 203 206 15 81 133 142 85 22 −98 −95 −86 −31
Capital spending 5 10 10 7 16 24 14 14 23 21 18 17 11 13 3 4 5 6
Free cash flow 81 134 163 124 209 244 189 192 −7 60 115 124 74 8 −100 −99 −90 −38
Stock-based pay 4 4 8 11 12 15 16 6 9 9 11 14 16 13 11 13 16 17
Free cash flow after stock pay 77 130 156 113 197 229 172 186 −16 52 105 110 58 −5 −112 −112 −106 −55
Balance sheet
Cash 20 41 27 33 162 40 71 94 121 99 120 109 88 83 113 106 104 132
Total debt 0 2 1 328 452 1,482 1,717 1,815 2,170 2,474 2,808 2,661 2,609 2,495 2,914 3,327 3,697 3,759
Net debt (negative = net cash) −20 −39 −25 295 290 1,443 1,646 1,721 2,050 2,375 2,689 2,553 2,521 2,411 2,802 3,221 3,593 3,627
Diluted shares 46m 51m 52m 51m 51m 50m 48m 46m 46m 45m 46m 46m 45m 40m 39m 40m 39m 39m
Returned to shareholders
Buybacks — 0 0 23 59 33 166 0 45 0 0 0 201 111 0 0 20 30
Total returned — 0 0 23 59 33 166 0 45 0 0 0 201 111 0 0 20 30

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q2 TTM
Buybacks (TTM)
$30M
Returned to shareholders
-79%
of free cash flow
Buybacks, last 3 fiscal years
$20M
Diluted share count
−2.4%
year over year
Total shareholder yield
4.0%
dividends 0.0% + buybacks 4.0% of market value

Competitors: side by side with peers

Closest by revenue in consumer finance
Growth, margins and cash generation against peers
Last 12 months unless stated PRAA UPST PGY EZPW XYF HAPN Median
Revenue, last 12 months $1.3bn $1.2bn $1.4bn $1.6bn $1.1bn $1.0bn $1.6bn
Revenue growth, last 12 months 17.6% 46.3% 14.8% 28.6% 30.3% 10.0% 10.4%
Revenue growth, 3-year average 16.9% 31.9% 143.5% 16.1% — 3.5% 11.3%
Revenue growth, latest quarter 29.4% 41.7% 11.5% 34.7% — −1.2% 10.6%
Gross margin — — 43.9% 58.6% 73.6% — 58.0%
Operating margin 5.0% 4.0% 26.4% 13.9% 21.3% — 11.2%
Operating margin, 3-year average 20.1% −14.1% 16.2% 11.4% 28.5% — 19.8%
Net margin −19.9% 4.8% 10.8% 10.0% 19.2% 20.2% 10.5%
Cash from operations / revenue −2.4% −22.8% 17.3% 11.5% 19.2% −266.8% 22.7%
Free-cash-flow margin −2.8% −23.2% 16.3% 8.7% 18.9% −275.2% 18.4%
Free-cash-flow margin, 3-year average −7.0% −18.9% 9.7% 7.6% −1.5% −313.4% 23.6%
Stock pay / revenue 1.3% 11.7% 2.3% 1.0% 0.8% 2.8% 1.3%
Change in share count −2.4% 15.8% 17.0% −0.0% −15.0% 1.0% −0.8%

Median of all 39 companies we cover in consumer finance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

39 consumer finance companies
Measures ranked against peers
Measure Company Peer median Rank
Revenue growth Growth 17.6% 10.4% 15 of 39
Change in growth rate Growth +7.1pp +0.6pp 7 of 38
Operating margin Profitability 5.0% 13.9% 11 of 16
Net margin Profitability -19.9% 10.5% 35 of 39
Stock pay as % of revenue Cash generation 1.3% 1.3% 18 of 36
Change in share count Balance sheet -2.4% -0.0% 14 of 38

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Segments
Line of business Revenue YoY
Total Reportable Segments $1.1B ▲ 8.5%
United States $611M ▲ 2.9%
Europe $461M ▲ 16.8%

These categories overlap or exclude eliminations, so shares aren't shown.

Geography
Region Revenue Share YoY
United States $611M 50.9% ▲ 2.9%
Foreign Countries $421M 35.0% ▲ 17.2%
United Kingdom $170M 14.2% ▲ 5.1%

From PRA Group Inc's 10-K filed March 2, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Reported value
$688M
Institutions reporting
197
Shares held vs prior quarter
▼ 3.6%
Positions opened / closed
32 / 32

Top buyers and sellers, Q2 2026: 95 institutions bought and 103 sold ; the biggest buyer was Assenagon Asset Management S.A (+1.1M shares) and the biggest seller Blackrock, Inc (−2.7M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $84.2M 4.4M 12.2% ▼ 37.5%
Topline Capital Management, LLC $73M 3.8M 10.6% 0.0%
T. Rowe Price Investment Management, Inc. $57.2M 3.0M 8.3% ▼ 17.3%
Vanguard Capital Management LLC $31.3M 1.6M 4.6% ▼ 0.4%
Global Alpha Capital Management Ltd. $29.9M 1.6M 4.3% ▼ 18.7%
Dimensional Fund Advisors LP $25.8M 1.4M 3.8% ▼ 16.9%
Assenagon Asset Management S.A. $22.8M 1.2M 3.3% ▲ 903.2%
American Century Companies Inc $19.4M 1.0M 2.8% ▲ 75.9%
Geode Capital Management, LLC $19.2M 1.0M 2.8% ▲ 6.7%
State Street Corp $18M 947K 2.6% ▼ 36.9%
Wellington Management Group LLP $15.7M 828K 2.3% ▲ 10.3%
D. E. Shaw & Co., Inc. $14.9M 784K 2.2% ▼ 4.6%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not PRA Group Inc's complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Recent insider open-market transactions
Insider Date Trade Shares Price Value
Olsen Geir Director November 6, 2025 Buy 15,000 $14.15 $212,250

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 10 trades and filings

No trades in PRA Group Inc disclosed in the last 12 months; 10 earlier trades on record.

  • Gilbert Ray Cisneros, Jr.(D-CA 39):Sale (partial), $1,001 - $15,000, traded October 19, 2020, filed November 5, 2020
  • Gilbert Ray Cisneros, Jr.(D-CA 39):Sale (partial), $1,001 - $15,000, traded May 15, 2020, filed June 16, 2020
  • Josh Gottheimer(D-NJ 5):Purchase, $1,001 - $15,000, traded January 11, 2019, filed January 31, 2019

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around November 2, 2026 estimated from the company's past filing pattern, not announced

  • August 6, 2026
  • May 7, 2026
  • February 26, 2026
  • November 3, 2025
  • August 4, 2025
  • May 5, 2025

Recent SEC filings

Data status

When each part of this page on PRA Group Inc was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

PRA Group Inc in brief

What does PRA Group Inc do?
PRA Group Inc is a US-listed company in the consumer finance industry. Its financial year ends in December.
What is PRA Group Inc's stock ticker?
PRA Group Inc trades under the ticker PRAA on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is PRA Group Inc's revenue, and how fast is it growing?
Over its most recent trailing twelve months, PRA Group Inc reported revenue of $1.3B, 17.6% higher than a year earlier, according to its SEC filings.
What is PRA Group Inc's free cash flow?
PRA Group Inc's free-cash-flow margin is -2.8% of revenue over the trailing twelve months.
Who are PRA Group Inc's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Topline Capital Management, LLC and T. Rowe Price Investment Management, Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is PRA Group Inc buying back stock, and does it pay a dividend?
PRA Group Inc spent $30M on share repurchases over the trailing twelve months, and its diluted share count fell 2.4% over the year.
What is PRA Group Inc's market cap?
On November 2, 2026, PRA Group Inc's market capitalisation was about $762M and net debt of $3.6B. Market figures come from third-party market data and may be delayed.
Who are PRA Group Inc's competitors?
In our Consumer Finance peer group, the companies closest to PRA Group Inc are Upstart Holdings, Inc., Pagaya Technologies Ltd., Ezcorp Inc, X Financial and Happen, Inc. The side-by-side comparison below sets their revenue, margins and growth against PRA Group Inc's.
Are insiders buying or selling PRA Group Inc stock?
Over the last 12 months, PRA Group Inc's directors and officers reported 1 open-market purchases and 0 sales on Form 4. The insider trading page charts every trade.
When is PRA Group Inc's next earnings date?
Around November 5, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — PRA Group Inc announces its own schedule.