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PRA Group PRAA Expected 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:FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossRecovery.

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
Allowance for credit losses at acquisition$(1,453,783)$(100,406)$(1,554,189)$(1,635,702)$(87,742)$(1,723,444)
Writeoffs, net1,453,783100,4061,554,1891,635,70287,7421,723,444
Expected recoveries267,51729,054296,571319,56226,943346,505
Initial negative allowance for expected recoveries on current period purchases$267,517$29,054$296,571$319,562$26,943$346,505

Item 1. Financial Statements

FAQ

What is PRA Group's expected recoveries?
PRA Group (PRAA) reported expected recoveries of $296.57M in Q2 2026.
How has PRA Group's expected recoveries changed year-over-year?
PRA Group's expected recoveries decreased by 14.4% year-over-year, from $346.51M to $296.57M.
What is the long-term trend for PRA Group's expected recoveries?
Over 4 years (2021 to 2025), PRA Group's expected recoveries has grown at a 5.6% compound annual growth rate (CAGR), from $972.28M to $1.21B.
What does expected recoveries mean?
The estimated total cash flows that the company expects to collect from its portfolio of purchased nonperforming loans. This figure is a critical forward-looking indicator of the company's ability to generate future revenue from its acquired assets.

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