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PRA Group PRAA Net margin

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Encore Capital GroupECPG
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Consumer Portfolio ServicesCPSS
4.8%+0.2pp
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The BancorpTBBK
34.5%-0.4pp
PCB Bancorp logo
PCB BancorpPCB
34.7%+5.3pp
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Pathward Financial, Inc.CASH
21.3%-0.4pp
ESQ
Esquire Financial Holdings, Inc.ESQ
33%-1.5pp

Other financials

Income statement

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Revenue$372.2M+29.4%
Operating income$153.3M+80.1%
Net income$57.9M+36.7%
EPS (diluted)$1.51+39.8%

Balance sheet

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Cash & equivalents$132.4M+0.6%
Total debt$3.8B+4.0%
Total equity$1.0B-21.8%
Total assets$5.2B-3.6%

Cash flow

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Operating cash flow-$36.3M-181%
CapEx$2.4M+87.8%
Free cash flow-$38.7M-173%

Valuation

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Market cap$754.81M+19.6%
Enterprise value$4.41B+6.4%
P/S0.6×0.0×

Profitability

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Operating margin-5.3%-33.2pp
FCF margin-2.8%

Returns & leverage

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Return on equity-32%-35.7pp
Debt / equity3.6×+0.9×

Where this comes from

Calculated from PRA Group’s reported figures.

Based on trailing twelve months.

The source filing: PRA Group’s 10-Q, filed November 10, 2025. Open the filing →

Filed
Nov 10, 2025
Fiscal quarter
Q3 FY2025
Calendar quarter
Q3 2025
Accession
0001185348-25-000043

FAQ

What is PRA Group's net margin?
PRA Group (PRAA) reported net margin of -29.5% in Q3 2025.
How has PRA Group's net margin changed year-over-year?
PRA Group's net margin decreased by 810.4% year-over-year, from 4.2% to -29.5%.
What is the long-term trend for PRA Group's net margin?
Over 4 years (2020 to 2024), PRA Group's net margin has grown at a -18.0% compound annual growth rate (CAGR), from 14% to 6.3%.
What does net margin mean?
Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

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