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PRA GROUP INC

PRAA

$20.39 ▲ +0.18 (+0.89%) at close

19 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

PRA GROUP INC faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $798.7M

Dividend Yield —

Revenue Growth 7.8% ↘

Op. Margin -2.5% ↘

ROIC -3.7% ↘

FCF / Share $-2.31 ↗

Trailing P/E —

Price / Book 0.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.20B

↑ +7.8% —

Net Income Profit after all expenses

$-305.14M

↓ -532.2% —

Operating Margin Operating profit as % of sales

-2.5%

↓ -108.3% 23th

FCF / Share Free cash flow per share

$-2.31

↑ +7.9% —

Long-Term Debt Long-term obligations

$200.54M

↑ +15994.9% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial Health

Cash Quality ↓

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	7.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	38.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+548%)	-17.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-383%)	-11.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-297%)	2.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	12.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+100%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	-11.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-297%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	19.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+231%)	24.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+300%)	29.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+386%)	23.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+286%)	32.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+443%)	6.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	—	—
EPS Growth YoY (%)	N/M	N/M	N/M	-27.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	24.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	72.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	31.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-59.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	95.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-47.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.1% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	1.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-53.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	26.5% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	34.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	52.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-3.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	N/M	N/M	-36.0% Weak ↓ Weak Declining Year-over-year change in net income	22.6% Good ↑ Good Improving Year-over-year change in net income	73.3% Excellent ↑ Excellent Improving Year-over-year change in net income	31.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-60.1% Weak ↓ Weak Declining Year-over-year change in net income	93.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-49.3% Weak ↓ Weak Declining Year-over-year change in net income	-4.9% Weak ↓ Weak Declining Year-over-year change in net income	0.7% Caution ↓ Caution Declining Year-over-year change in net income	38.5% Excellent ↓ Excellent Declining Year-over-year change in net income	25.6% Excellent ↓ Excellent Declining Year-over-year change in net income	37.2% Excellent ↑ Excellent Improving Year-over-year change in net income	65.8% Excellent Excellent Year-over-year change in net income	-2.3% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	7.9% Fair ↑ Fair Improving Year-over-year change in free cash flow	2.3% Caution ↑ Caution Improving Year-over-year change in free cash flow	N/M	-87.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	-40.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	7.5% Fair Fair Year-over-year change in free cash flow	90.7% Excellent Excellent Year-over-year change in free cash flow	N/M	N/M	-44.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	-24.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	14.4% Fair ↑ Fair Improving Year-over-year change in free cash flow	-43.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	-23.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	19.8% Good ↓ Good Declining Year-over-year change in free cash flow	52.1% Excellent Excellent Year-over-year change in free cash flow	5.5% Fair Fair Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	0.6% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-9.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	16.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	24.3% Excellent → Excellent Stable Compound annual revenue growth over 3 years	25.4% Excellent → Excellent Stable Compound annual revenue growth over 3 years	28.2% Excellent Excellent Compound annual revenue growth over 3 years	20.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	-2.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	12.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	25.7% Excellent Excellent Compound annual revenue growth over 5 years	22.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-24.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	15.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	41.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-3.1% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	1.1% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-25.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.7% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-19.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-22.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-15.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	37.4% Excellent Excellent Compound annual EPS growth over 3 years	25.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	-2.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	30.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	12.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	29.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	34.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	32.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	24.4% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	25.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	32.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	38.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	40.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	36.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	38.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	34.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	28.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	32.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	—
Effective Tax Rate (%) (%)	-19.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	-25.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-215%)	6.3% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	-10.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-147%)	12.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	16.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	14.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	8.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	7.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	19.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	10.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	17.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	20.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	23.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	21.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	15.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	17.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	—
FCF Margin (%) (%)	-7.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-8.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-12.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	0.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.7% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	11.7% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.3% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.6% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	-0.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	11.0% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	18.3% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	27.0% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	28.5% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	21.0% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	35.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	36.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	28.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	28.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	0.30x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.40x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.20x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.07x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.40x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.83x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	1.34x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.92x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	-0.04x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.08x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.03x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.35x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.19x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	0.98x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.62x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.82x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	1.82x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.67x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%)	-3.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	24.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	6.9% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	17.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	22.8% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	20.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	16.7% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	13.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	15.5% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	19.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	30.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	30.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	27.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	18.8% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	23.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	20.8% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	19.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.9% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.8% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	8.6% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.9% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	5.6% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	4.7% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.8% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	6.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	10.4% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	12.3% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	18.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	16.8% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	16.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	13.0% Good Good Operating profit relative to total assets Optimal: > 10%	10.1% Good Good Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-31.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-360%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	-7.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-160%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	14.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	6.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	15.1% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	21.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+75%)	19.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+63%)	20.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	17.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	16.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+41%)	15.0% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	13.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	0.28x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—
Interest Coverage (x)	-0.12x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.52x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	0.52x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	2.15x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.99x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	2.45x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.72x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	1.49x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	2.06x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.54x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	5.14x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	9.71x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	20.56x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	23.90x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	16.84x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	14.35x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	10.19x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	7.61x Good Good Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-104.41M	$-105.94M	$-112.53M	$-83.38M	$-87.58M	$-108.61M	$-119.77M	$-98.69M	$-120.52M	$-94.29M	$-71.37M	$-39.66M	$-162.00M	$167.85M	$-25.45M	$-38.70M	$-20.27M	$-13.90M	$-16.73M
Debt / EBITDA (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	0.89x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.01x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.02x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$30.68	$28.30	$20.49	$24.38	$24.37	$23.40	$22.41	$20.06	$18.13	$17.93	$19.57	$17.62	$14.60	$34.88	$26.82	$22.16	$18.23	$17.29	—
Basic EPS, GAAP (USD)	$-7.79	$1.79	$-2.13	$2.96	$4.07	$3.28	$1.90	$1.45	$3.60	$1.84	$3.49	$3.53	$3.48	$7.45	$5.89	$4.37	$2.87	$2.98	—
Free Cash Flow per Share (USD)	$-2.31	$-2.50	$-2.56	$0.21	$1.64	$2.73	$2.54	$1.33	$-0.16	$1.98	$3.58	$4.75	$4.15	$7.31	$9.55	$7.97	$5.24	$4.96	—
Book Value per Share (USD)	$25.48	$28.73	$29.74	$31.49	$31.37	$29.44	$25.75	$24.17	$24.13	$18.64	$17.34	$18.20	$17.45	$41.68	$34.80	$28.75	$21.62	—	—
Tangible Book Value per Share (USD)	$24.78	$18.70	$18.74	$20.31	$19.66	$18.62	$15.16	$13.93	$12.48	$7.86	$6.61	$6.77	$14.39	$32.41	$29.07	$23.06	$19.74	—	—
Basic Weighted Avg Shares (shares)	39.17M	39.38M	39.18M	39.64M	44.96M	45.54M	45.39M	45.28M	45.67M	46.32M	48.13M	49.99M	50.37M	17.00M	17.11M	16.82M	15.42M	15.23M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	$200.54M	$1.25M	$2.40M	—	—	—
Total Equity (USD)	$979.85M	$1.14B	$1.17B	$1.23B	$1.29B	$1.34B	$1.17B	$1.10B	$1.09B	$864.30M	$800.49M	$902.22M	$869.48M	$708.43M	$595.49M	$490.52M	$335.48M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$1.20B	$1.11B	$802.55M	$966.52M	$1.10B	$1.07B	$1.02B	$908.26M	$828.21M	$830.58M	$942.02M	$880.97M	$735.13M	$592.80M	$458.94M	$372.71M	$281.09M	$263.27M	—
Depreciation Expense (USD)	$8.80M	$10.60M	$13.10M	$14.90M	$15.10M	$15.60M	$15.90M	$15.10M	$15.40M	$18.20M	$16.20M	$13.60M	$9.70M	$8.70M	$8.10M	$7.20M	—	—	—
Net Income, GAAP (USD)	$-305.14M	$70.60M	$-83.48M	$117.15M	$183.16M	$149.34M	$86.16M	$65.56M	$164.31M	$85.10M	$167.93M	$176.50M	$175.31M	$126.59M	$100.79M	$73.45M	$44.31M	$45.36M	—
Operating Cash Flow (USD)	$-85.54M	$-94.59M	$-97.53M	$21.59M	$84.92M	$141.70M	$133.39M	$80.87M	$15.47M	$105.88M	$186.66M	$262.07M	$225.13M	$131.41M	$173.03M	$143.58M	$85.28M	$81.72M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 19 years · 72 quarters

PRA GROUP INC

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