MARKETS / NASDAQ / PRAA

NASDAQ · SHORT-TERM BUSINESS CREDIT INSTITUTIONS · LARGE CAP

PRA Group Inc. PRAA

18 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$1.2B

▲ 7.8% YoY

Net income

$-305.1M

▼ 532.2% YoY

Free cash flow

$-90.4M

In brief

What this company does

It is organized on a geographic basis, with principal markets in the U.S. and Europe, where it has operations in 12 countries and the United Kingdom. As of December 31, 2025, it employed 2,615 full-time equivalents globally, with approximately 60% of its workforce located in the U.S., 35% in Europe and 5% in its other markets. During the fourth quarter of 2025, it reorganized its business segment structure from a single operating segment into two operating and reportable segments, comprised of its U.S. and European businesses.

Written from the business description in PRA Group, Inc's annual report to the U.S. Securities and Exchange Commission, filed 2 March 2026. Every sentence was checked against that document before publication.

Growth

USD 1.2B

Revenue, FY2025 · full 18-year series below

Revenue $B Net income $B

FY2025 · Revenue 1.2 · Net income -0.3

Compound annual growth

Revenue

+7.5%

+2.4%

+2.5%

+8.1%

Returned to shareholders

−43.6%

−19.0%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +2.4% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

−24 cents

lost on every revenue dollar

Operating margin Net margin

FY2025 · Operating -2.5% · Net -24.1%

ROE

FY2025 · ROE -28.9%

Gross margin—

Operating margin-2.5%

Net margin-24.1%

Return on assets-5.8%

EBITDAUSD -21.5M

Each USD of equity lost 29 cents this year.

Cash & shareholders

USD 20.0M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF -90.4

Net buybacks $M Dividends $M

FY2025 · Dividends — · Net buybacks 20.0

Dividends paid—

Net buybacksUSD 20.0M

Share of profit-6.6%

Consecutive raises—

USD 20.0M in buybacks went back to shareholders in a year without profit.

Total assetsUSD 5.1B

EquityUSD 979.9M

CashUSD 104.4M

Equity funds 19% of total assets.

The 18-year record

18 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue $B	1.2	1.1	0.8	1.0	1.1	1.1	0.0	0.0	0.0	0.1	0.9	0.9	0.7	0.6	0.5	0.4	0.3	0.3
Operating income $B	−0.0	0.3	0.1	0.3	0.4	0.3	0.2	0.2	0.2	0.2	0.3	0.3	0.3	0.2	0.2	0.1	0.1	0.1
EBITDA $B	−0.0	0.4	0.1	0.3	0.4	0.4	0.3	0.2	0.2	0.2	0.3	0.4	0.3	0.2	0.2	0.1	0.1	·
Income tax $B	0.0	0.0	−0.0	0.0	0.1	0.0	0.0	0.0	−0.0	0.0	0.1	0.1	0.1	0.1	0.1	0.0	0.0	0.0
Net income $B	−0.3	0.1	−0.1	0.1	0.2	0.1	0.1	0.1	0.2	0.1	0.2	0.2	0.2	0.1	0.1	0.1	0.0	0.0
Free cash flow $B	−0.1	−0.1	−0.1	0.0	0.1	0.1	0.1	0.1	−0.0	0.2	0.2	0.2	0.2	0.1	0.2	0.1	0.1	0.1
EPS, diluted $	−7.79	1.79	−2.13	2.94	4.04	3.26	1.89	1.44	3.59	1.86	3.47	3.50	3.45	2.46	1.95	4.35	2.87	2.97
Dividend / sh $	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Payout %	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
ROE %	−28.9	6.1	−7.0	9.3	13.9	11.9	7.6	6.0	16.8	10.4	19.7	19.9	22.2	19.4	18.6	17.8	14.3	16.0
Shares out B	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.00	0.00	0.02	0.02	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 53 reconciliationsAUDITED

Reconciled in 18 of 19 fiscal years. 4 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityShort-Term Business Credit Institutions

Listed onNASDAQ

Incorporated inDelaware

Fiscal year endsDecember 31

Data on record since2008