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PRA Group PRAA Changes in expected future recoveries

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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$713.81M+19.6%
Enterprise value$4.37B+6.4%
P/S0.5×0.0×

Profitability

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

Reported directly by PRA Group in its filing.

Tagged under the XBRL concept praa:FinancingReceivableAllowanceForCreditLossChangesInExpectedFutureRecoveries.

The source filing: PRA Group’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001185348-26-000028
Line itemThree Months Ended June 30, 2026 / CoreThree Months Ended June 30, 2026 / InsolvencyThree Months Ended June 30, 2026 / TotalThree Months Ended June 30, 2025 / CoreThree Months Ended June 30, 2025 / InsolvencyThree Months Ended June 30, 2025 / Total
Recoveries collected in excess of forecast$19,138$3,604$22,742$32,316$7,986$40,302
Changes in expected future recoveries58,63415,54874,182(6,974)(36)(7,010)
Changes in expected recoveries$77,772$19,152$96,924$25,342$7,950$33,292

Item 1. Financial Statements

FAQ

What is PRA Group's changes in expected future recoveries?
PRA Group (PRAA) reported changes in expected future recoveries of $74.18M in Q2 2026.
How has PRA Group's changes in expected future recoveries changed year-over-year?
PRA Group's changes in expected future recoveries increased by 1158.2% year-over-year, from -$7.01M to $74.18M.
What is the long-term trend for PRA Group's changes in expected future recoveries?
Over 2 years (2022 to 2025), PRA Group's changes in expected future recoveries has grown at a -5.3% compound annual growth rate (CAGR), from $62.21M to $55.76M.
What does changes in expected future recoveries mean?
Adjustments made to the valuation of future expected cash flows from debt portfolios based on updated collection trends and economic assumptions. This metric reflects management's evolving outlook on the long-term performance of the assets.

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