PRA Group
PRAA
20.03
-0.29
-1.43%
PRA Group
US · PRAA
#3451 by market cap
20.03
-0.29
-1.43%
Live - 5344 symbols - heartbeat 140s ago
· 2026-10-09 19:30
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 1.93, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +7.83% YoY
Margins
- Gross margin
- 63.17%
- Operating margin
- 20.08%
- Net margin
- -25.15%
Key ratios & quality
- Altman Z-Scorei
- 1.93
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 908.26M | 1.02B | 1.07B | 1.10B | 966.52M | 802.55M | 1.11B | 1.20B |
| Gross profit | 558.56M | 684.86M | 628.55M | 669.61M | 550.31M | 332.05M | 685.65M | 766.47M |
| Selling & admin expenses | 208.06M | 251.33M | 214.17M | 186.67M | 265.36M | 267.57M | 324.99M | 361.58M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 188.39M | 249.93M | 207.99M | 250.85M | 155.13M | -81.23M | 209.76M | 243.64M |
| Pretax profit | 89.50M | 117.36M | 208.95M | 250.33M | 154.79M | -82.89M | 109.61M | -243.24M |
| Tax | 13.76M | 19.68M | 41.20M | 54.82M | 36.79M | -16.13M | 21.03M | 46.74M |
| Net profit | 75.73M | 97.68M | 167.74M | 195.51M | 118.00M | -66.75M | 88.57M | -289.97M |
| Basic EPS | 1 | 2 | 3 | 4 | 3 | -2 | 2 | -8 |
| Diluted EPS | 1.44 | 1.89 | 3.26 | 4.04 | 2.94 | -2.13 | 1.79 | -7.79 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 269.62M | 287.69M | 311.14M | 333.39M | 314.53M | 372.17M |
| Gross profit | 162.14M | 176.48M | 199.70M | 228.15M | 212.70M | 269.75M |
| Selling & admin expenses | 83.68M | 87.20M | 97.40M | 93.29M | 98.69M | 104.82M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 40.42M | 49.62M | 59.86M | 93.73M | 72.16M | 121.24M |
| Pretax profit | 13.38M | 61.13M | -379.61M | 61.86M | 40.54M | 88.33M |
| Tax | 4.31M | 15.42M | 24.36M | 2.65M | 8.76M | 29.39M |
| Net profit | 9.06M | 45.71M | -403.97M | 59.22M | 31.77M | 58.94M |
| Basic EPS | 0 | 1 | -10 | 1 | 1 | 2 |
| Diluted EPS | 0.09 | 1.08 | -10.43 | 1.46 | 0.73 | 1.51 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 3.25B | 3.67B | 3.65B | 3.56B | 3.48B | 3.86B | 4.32B | 4.88B |
| Cash & ST investments | 98.70M | 119.77M | 108.61M | 87.58M | 150.19M | 172.00M | 161.70M | 169.34M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 3.91B | 4.42B | 4.45B | 4.37B | 4.18B | 4.53B | 4.93B | 5.10B |
| Total current liabilities | 183.25M | 203.48M | 265.05M | 275.52M | 257.41M | 271.72M | 333.20M | 267.81M |
| Short-term debt | -- | -- | -- | -- | -- | -- | -- | -- |
| Long-term debt | 2.47B | 2.81B | 2.66B | 2.61B | 2.49B | 2.91B | 3.33B | 3.70B |
| Total liabilities | 2,785,590,000.00 | 3,196,878,000.00 | 3,079,535,000.00 | 3,041,406,000.00 | 2,888,924,000.00 | 3,285,978,000.00 | 3,737,548,000.00 | 4,063,357,000.00 |
| Total equity | 1.12B | 1.23B | 1.37B | 1.32B | 1.29B | 1.24B | 1.19B | 1.04B |
| Retained earnings | 1.28B | 1.36B | 1.51B | 1.55B | 1.57B | 1.49B | 1.56B | 1.26B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 4.52B | 4.78B | 4.76B | 4.88B | 4.89B | 5.01B |
| Cash & ST investments | 189.32M | 196.37M | 170.68M | 169.34M | 239.53M | 276.55M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 5.15B | 5.43B | 5.00B | 5.10B | 5.21B | 5.24B |
| Total current liabilities | 320.17M | 330.31M | 303.97M | 267.81M | 209.31M | 265.99M |
| Short-term debt | -- | -- | -- | -- | -- | -- |
| Long-term debt | 3.47B | 3.61B | 3.61B | 3.70B | 3.78B | 3.76B |
| Total liabilities | 3,867,551,000.00 | 4,038,156,000.00 | 4,015,237,000.00 | 4,063,357,000.00 | 4,138,276,000.00 | 4,125,870,000.00 |
| Total equity | 1.28B | 1.40B | 983.97M | 1.04B | 1.07B | 1.11B |
| Retained earnings | 1.56B | 1.61B | 1.20B | 1.26B | 1.28B | 1.34B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 80.87M | 133.39M | 141.70M | 84.93M | 21.59M | -97.54M | -94.59M | -85.54M |
| Depreciation & amortization | 19.32M | 17.46M | 18.47M | 15.26M | 15.24M | 18.62M | 10.79M | 10.44M |
| Free cash flow | 60.35M | 115.36M | 124.47M | 73.71M | 8.34M | -100.42M | -98.64M | -90.36M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | 0 | 0 | -200.89M | -111.37M | 0 | 0 | -20.00M |
| Ending cash balance | 98.70M | 123.81M | 121.05M | 89.07M | 84.76M | 113.69M | 107.43M | 108.64M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | -52.58M | -12.91M | -10.13M | -9.92M | 24.94M | -36.28M |
| Depreciation & amortization | 3.77M | 2.50M | 2.44M | 1.73M | 1.71M | 4.72M |
| Free cash flow | -53.48M | -14.19M | -11.35M | -11.35M | 23.53M | -38.68M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | -10.00M | 0 | -10.00M | -10.00M | -10.00M |
| Ending cash balance | 130.31M | 135.32M | 110.83M | 108.64M | 186.30M | 135.68M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 6.01 | 7.61 | 11.89 | 13.94 | 9.32 | -6.97 | 6.13 | -28.86 |
| ROA %i | 1.72 | 2.07 | 3.36 | 4.15 | 2.74 | -1.92 | 1.49 | -6.08 |
| ROIC %i | 4.73 | 2.98 | 4.38 | 5.33 | 4.05 | -0.59 | 3.30 | -4.93 |
| 5-year avg ROE %i | 14.56 | 12.10 | 10.54 | 11.25 | 9.75 | 7.16 | 6.86 | -1.29 |
| EBIT margin %i | 23.54 | 15.12 | 22.92 | 26.38 | 21.31 | -1.00 | 17.65 | -11.38 |
| FCF / sales %i | 6.90 | 11.59 | 11.67 | 6.72 | 0.86 | -- | -- | -- |
| Current ratioi | 17.72 | 18.02 | 13.75 | 12.91 | 13.51 | 14.19 | 12.97 | 18.20 |
| Quick ratioi | 17.72 | 18.00 | 13.75 | 12.91 | 13.51 | 14.19 | 12.97 | 18.20 |
| Debt / assetsi | 63.27 | 65.14 | 61.05 | 61.15 | 61.17 | 65.51 | 68.20 | 73.08 |
| LT debt / equityi | 225.88 | 246.44 | 202.59 | 207.56 | 208.06 | 254.01 | 296.30 | 380.62 |
| Interest coveragei | 1.77 | 4.55 | 6.89 | 7.42 | 3.99 | -0.11 | 2.24 | -1.31 |
| Revenue CAGR (3Y) %i | -2.32 | 6.15 | 9.03 | 7.67 | -0.97 | -9.01 | 0.85 | 7.88 |
| Net income CAGR (3Y) %i | -26.91 | -0.04 | -3.14 | 40.84 | 10.78 | -- | -27.22 | -- |
| FCF CAGR (3Y) %i | -31.60 | -15.58 | -- | 6.90 | -58.34 | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 6.03 | 7.38 | -31.97 | -28.86 | -25.26 | -22.25 |
| ROA %i | 1.47 | 1.82 | -6.91 | -6.08 | -5.42 | -4.97 |
| ROIC %i | 3.30 | 3.63 | -5.93 | -4.93 | -4.50 | -3.98 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 17.95 | 20.51 | -14.84 | -11.38 | -8.39 | -5.44 |
| FCF / sales %i | -- | -- | -- | -- | -- | -- |
| Current ratioi | 14.12 | 14.48 | 15.66 | 18.20 | 23.37 | 18.85 |
| Quick ratioi | 14.12 | 14.48 | 15.66 | 18.20 | 23.37 | 18.85 |
| Debt / assetsi | 67.93 | 67.04 | 72.77 | 73.08 | 73.19 | 72.35 |
| LT debt / equityi | 286.85 | 272.54 | 391.83 | 380.62 | 380.21 | 362.52 |
| Interest coveragei | 2.14 | 2.39 | -1.78 | -1.31 | -0.96 | -0.63 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-09 19:30:06 · For reference only, not investment advice and not tailored to your situation.
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