What is PRA Group's U.S. — changes in expected future recoveries?

PRA Group (PRAA) reported U.S. — changes in expected future recoveries of $1.3M in Q4 2025.

What does U.S. — changes in expected future recoveries mean?

This metric represents the periodic adjustment to the estimated cash flows expected to be collected from a portfolio of purchased nonperforming loans. It reflects management's updated assessment of the collectability and timing of future recoveries based on current performance data and economic conditions. Positive changes indicate improved collection outlooks, while negative changes suggest potential impairment or slower-than-anticipated recovery rates.

PRA Group PRAA U.S. — Changes in expected future recoveries

Similar metrics at other companies

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%

MSRecoveries

$1M—

FMCIncrease (Decrease) in Recoveries

$875K+3,600%

BKRecoveries

$11M+1,000%

FMCIncrease (Decrease) in Recoveries

$1.1M+780%

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

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:FinancingReceivableAllowanceForCreditLossChangesInExpectedFutureRecoveries.

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 U.S. — changes in expected future recoveries?: PRA Group (PRAA) reported U.S. — changes in expected future recoveries of $1.3M in Q4 2025.
What does U.S. — changes in expected future recoveries mean?: This metric represents the periodic adjustment to the estimated cash flows expected to be collected from a portfolio of purchased nonperforming loans. It reflects management's updated assessment of the collectability and timing of future recoveries based on current performance data and economic conditions. Positive changes indicate improved collection outlooks, while negative changes suggest potential impairment or slower-than-anticipated recovery rates.