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PRA Group PRAA Q3 2025 earnings

Reported November 3, 2025 · After market close

Revenue$314.1MBeat by $25.3M
EPS$0.53Beat by $0.03
Revenue estimate$288.9M
EPS estimate$0.50

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$311.1M+10.5%
Operating income-$315.5M-451%
Net income-$407.7M-1,601%
EPS (diluted)-$10.43-1,612%

Balance sheet

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Cash & equivalents$107.5M-23.9%
Total debt$3.6B+8.9%
Total equity$928.5M-23.8%
Total assets$5.0B+1.3%

Cash flow

See full
Operating cash flow-$10.1M+71.1%
CapEx$1.2M+15.7%
Free cash flow-$11.3M+68.6%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$603.3M-31.5%
Enterprise value$4.13B+1.3%
P/S0.5×-0.3×

Profitability

See full
Operating margin-5.3%-33.2pp
Net margin-29.5%-33.7pp

Returns & leverage

See full
Return on equity-32%-35.7pp
Debt / equity3.9×+1.2×

Versus estimates

Revenue

Q1 2026$314.5MBeat by $18.6MQ4 2025$333.4MBeat by $44.5M
Q3 2025$314.1MBeat by $25.3M
Q2 2025$287.7MMiss by $10.0MQ1 2025$272.0MMiss by $20.0MQ4 2024$295.9MBeat by $20.1M

Diluted EPS

Q1 2026$0.73Beat by $0.22Q4 2025$1.46Beat by $0.96
Q3 2025$0.53Beat by $0.03
Q2 2025$1.08Beat by $0.46Q1 2025$0.09Miss by $0.32Q4 2024$0.47Beat by $0.02

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Questions, answered.

When did PRA Group report Q3 2025 earnings?
PRA Group (PRAA) reported Q3 2025 earnings on November 3, 2025 after market close.
What were PRA Group's Q3 2025 revenue and EPS?
PRA Group reported revenue of $314.1M and eps of $0.53 for Q3 2025.
Did PRA Group beat estimates in Q3 2025?
Revenue beat the consensus estimate of $288.9M by $25.3M. EPS beat the consensus estimate of $0.50 by $0.03.
How did PRA Group's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.0% from $268.5M a year earlier and eps grew 8.2% from $0.49.
Where can I find PRA Group's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001185348-25-000040) and the 10-Q periodic report (0001185348-25-000043) directly on SEC EDGAR. The filing index links above go to sec.gov.