What is PRA Group's earnings yield?

PRA Group (PRAA) reported earnings yield of -56.9% in Q3 2025.

How has PRA Group's earnings yield changed year-over-year?

PRA Group's earnings yield decreased by 1254.7% year-over-year, from 4.9% to -56.9%.

What is the long-term trend for PRA Group's earnings yield?

Over 4 years (2020 to 2024), PRA Group's earnings yield has grown at a -0.2% compound annual growth rate (CAGR), from 8.6% to 8.6%.

What does earnings yield mean?

Trailing-twelve-month net income divided by market capitalization at the quarter end — the inverse of the P/E ratio, expressed as a percentage.

PRA Group PRAA Earnings yield

Earnings yield at other companies

Encore Capital GroupECPG

19.7%+13.9pp

Consumer Portfolio ServicesCPSS

12%+1.6pp

The BancorpTBBK

10.2%+1.6pp

PCB BancorpPCB

12.6%+1.9pp

Pathward Financial, Inc.CASH

9.7%-0.8pp

Medallion FinancialMFIN

17.9%-0.8pp

Other financials

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

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Market cap$724.3M+15.4%

Enterprise value$4.41B+6.5%

P/S0.6×0.0×

Profitability

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Operating margin-5.3%-33.2pp

Net margin-29.5%-33.7pp

FCF margin-1.1%—

Returns & leverage

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Return on equity-32%-35.7pp

Debt / equity3.8×+0.9×

Where this comes from

Calculated from PRA Group’s reported figures.

net income/market cap=-56.9%

Based on trailing twelve months.

The official record: PRA Group’s 10-Q, filed November 10, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is PRA Group's earnings yield?: PRA Group (PRAA) reported earnings yield of -56.9% in Q3 2025.
How has PRA Group's earnings yield changed year-over-year?: PRA Group's earnings yield decreased by 1254.7% year-over-year, from 4.9% to -56.9%.
What is the long-term trend for PRA Group's earnings yield?: Over 4 years (2020 to 2024), PRA Group's earnings yield has grown at a -0.2% compound annual growth rate (CAGR), from 8.6% to 8.6%.
What does earnings yield mean?: Trailing-twelve-month net income divided by market capitalization at the quarter end — the inverse of the P/E ratio, expressed as a percentage.