What is PRA Group's europe — changes in expected recoveries?

PRA Group (PRAA) reported europe — changes in expected recoveries of $11.58M in Q4 2025.

What does europe — changes in expected recoveries mean?

This metric represents the periodic adjustments made to the projected cash flows from the nonperforming loan portfolios acquired within the European geographic segment. It reflects revisions to management's estimates regarding the timing and amount of future collections based on observed performance trends and macroeconomic conditions. Positive changes indicate an upward revision in anticipated recoveries, which directly impacts the valuation of the financing receivable portfolio and the associated allowance for credit losses.

PRA Group PRAA Europe — Changes in expected recoveries

Similar metrics at other companies

IBMEurope/Middle East/Africa — Recoveries

$0—

ECPGTotal Europe — Revenues, Adjusted By Net Allowances

$121.96M+0.4%

ECPGOther European countries — Revenues, Adjusted By Net Allowances

$33.44M-9.6%

LKQEurope — Receivables, net of allowance for credit losses

$722M+0.7%

ECPGCertain Loans Acquired In Transfer Not Accounted For As Debt Securities, Changes To Expected Current And Future Period Recoveries

$62.74M+192%

ECPGCertain Loans Acquired In Transfer Not Accounted For As Debt Securities, Changes To Expected Current And Future Period Recoveries

$62.74M+192%

Other financials

Income statement

See full

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

See full

Market cap$693.4M+19.1%

Enterprise value$4.38B+10.9%

P/S0.6×0.0×

Profitability

See full

Operating margin-5.3%-33.2pp

Net margin-29.5%-33.7pp

FCF margin-1.1%—

Returns & leverage

See full

Return on equity-32%-35.7pp

Debt / equity3.8×+0.9×

Where this comes from

Reported directly by PRA Group in its filing.

Tagged under the XBRL concept praa:FinancingReceivableAllowanceForCreditLossChangesInEstimatedRecoveries.

The official record: PRA Group’s 10-K, filed March 2, 2026, on SEC EDGAR. View the filing →

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What is PRA Group's europe — changes in expected recoveries?: PRA Group (PRAA) reported europe — changes in expected recoveries of $11.58M in Q4 2025.
What does europe — changes in expected recoveries mean?: This metric represents the periodic adjustments made to the projected cash flows from the nonperforming loan portfolios acquired within the European geographic segment. It reflects revisions to management's estimates regarding the timing and amount of future collections based on observed performance trends and macroeconomic conditions. Positive changes indicate an upward revision in anticipated recoveries, which directly impacts the valuation of the financing receivable portfolio and the associated allowance for credit losses.