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PRA Group

PRAA

PRA Group, Inc. is a global specialty finance company focused on the purchase, collection, and management of nonperforming loan portfolios.

Market cap
$683.1M+10.8%
Revenue$1.2B+10.5%
Net income-$333.5M-572%
Free cash flow-$13.4M+93.1%
EPS (diluted)-$8.53-577%
Trailing twelve months · change vs. prior year

Earnings

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$300.0M
EPS estimate$0.52

Financials

Q1 2026

Income statement

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Revenue$314.5M+16.7%
Operating income$103.3M+38.5%
Net income$28.2M+671%
EPS (diluted)$0.73+711%

Balance sheet

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Cash & equivalents$124.8M-3.0%
Total debt$3.8B+9.0%
Total equity$1.0B-17.8%
Total assets$5.2B+1.1%

Cash flow

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Operating cash flow$24.9M+147%
CapEx$1.4M+56.7%
Free cash flow$23.5M+144%

Valuation & ratios

Valuation

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Market cap$683.1M+10.8%
Enterprise value$4.37B+5.7%
P/S0.6×0.0×

Profitability

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FCF margin-1.1%

Returns & leverage

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Debt / equity3.8×+0.9×

Segments

By segment

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United States Segment$156.8M+15.0%
Europe Segment$125.6M+25.4%

Competitors

Profile

PRA Group, Inc. is a global specialty finance company focused on the purchase, collection, and management of nonperforming loan portfolios. The company acquires defaulted consumer debt from credit originators and utilizes data-driven analytics to recover balances through voluntary payments, legal recovery, and insolvency proceedings. Its core value proposition lies in its ability to efficiently manage distressed assets across diverse regulatory environments while providing capital relief to major financial institutions.

Competitive position

A leading global player in the nonperforming loan industry with a significant presence in 18 countries and extensive proprietary data sets for debt underwriting.

GeographiesUnited States, United Kingdom, Europe, Canada, Australia, South America
Customer segmentsFinancial Institutions, Retail Banks, Consumer Finance Companies
Business modelDistressed Asset Acquisition, Fee-for-service, Legal Recovery
SuppliersMajor Banks, Consumer Finance Companies, Auto Finance Providers, Credit Reporting Agencies, Court Systems
CustomersIndividual Debtors, Bankruptcy Trustees, Class Action Claimants
Listed2002
Employees3.2K
CEOMartin Sjolund
FilingsSEC EDGAR

Questions, answered.

What is PRA Group's market cap?
PRA Group (PRAA) has a market capitalization of $683.1M and trades on NASDAQ.
What is PRA Group's revenue and profitability?
PRA Group generated $1.2B in trailing twelve-month revenue with a net loss of $333.5M, representing a net margin of -29.5%, with free cash flow of -$13.4M. These figures are based on the Q1 2026 filing.
Who are PRA Group's competitors?
PRA Group's key competitors include Encore Capital Group, Inc., Pinnacle Financial Partners, Inc., Consumer Portfolio Services, and others. These companies compete in similar markets and product categories.
Where is PRA Group headquartered?
PRA Group is headquartered in United States of America and employs approximately 3,155 people. It has been publicly traded since 2002.