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.

PRA Group PRAA Net margin

Net margin at other companies

Encore Capital GroupECPG

16%+11.9pp

Peapack-Gladstone FinancialPGC

14.6%+1.2pp

Kearny FinancialKRNY

20.7%+12.2pp

The BancorpTBBK

33.5%-3.8pp

PCB BancorpPCB

33.9%+5.8pp

Primis Financial Corp.FRST

21.9%+19.6pp

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$693.4M+19.1%

Enterprise value$4.38B+10.9%

P/S0.6×0.0×

Profitability

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Operating margin-5.3%-33.2pp

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/total revenue=-29.5%

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 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.