Skip to content
Screener

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

Similar metrics at other companies

Encore Capital Group logo
ECPGChanges in expected current and future recoveries
$71.12M+27.9%
Encore Capital Group logo
ECPGChanges in expected current and future recoveries
$71.12M+27.9%
Popular logo
BPOPPopular U.S — Recoveries
$0
Expensify, Inc. logo
EXFYExpected insurance recoveries
$0
Expensify, Inc. logo
EXFYExpected insurance recoveries
$0
Navient logo
NAVIFinancing Receivable Decrease In Expected Future Recoveries On Previously Fully Charged Off Loans
$3M+50.0%

Other financials

Income statement

See full
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

See full
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

See full
Operating cash flow-$36.3M-181%
CapEx$2.4M+87.8%
Free cash flow-$38.7M-173%

Valuation

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

Profitability

See full
Operating margin-5.3%-33.2pp
Net margin-29.5%-33.7pp
FCF margin-2.8%

Returns & leverage

See full
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-K, filed March 2, 2026.

Filed
Mar 2, 2026, 4:06 PM EST
Fiscal year
FY2025
Accession
0001185348-26-000006
Line item2025 / Core2025 / Insolvency2025 / Total2024 / Core2024 / Insolvency2024 / Total
Recoveries collected in excess of forecast$102,407$18,289$120,696$138,476$17,659$156,135
Changes in expected future recoveries55,40634955,75584,7013284,733
Changes in expected recoveries$157,813$18,638$176,451$223,177$17,691$240,868

Item 8. Financial Statements and Supplementary Data.

FAQ

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.

Ask your AI about PRA Group's u.s. — changes in expected future recoveries.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude