PRA GROUP INCPRAAEarnings & Financial Report
PRA Group, Inc. is a publicly traded debt buyer and debt collection company based in Norfolk, Virginia. The company buys delinquent consumer debt from credit card issuers and other financial institutions at a discount and pursues collection of the full debt owed. Founded in 1996, PRA Group employs more than 3200 people in 18 countries.
Revenue
$293.2M
Gross Profit
N/A
Operating Profit
$94.1M
Net Profit
$18.5M
Gross Margin
N/A
Operating Margin
32.1%
Net Margin
6.3%
YoY Growth
32.4%
EPS
$0.47
PRA GROUP INC Q4 FY2024 Financial Summary
PRA GROUP INC reported revenue of $293.2M (up 32.4% YoY) for Q4 FY2024, with a net profit of $18.5M (up 310.2% YoY) (6.3% margin).
Key Financial Metrics
| Total Revenue | $293.2M |
|---|---|
| Net Profit | $18.5M |
| Gross Margin | N/A |
| Operating Margin | 32.1% |
| Report Period | Q4 FY2024 |
Revenue Breakdown
PRA GROUP INC Q4 FY2024 revenue of $293.2M breaks down across 3 segments, led by GB at $161.9M (55.2% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| GB | $161.9M | 55.2% |
| BR | $103.9M | 35.4% |
| Other | $27.4M | 9.3% |
PRA GROUP INC Annual Revenue by Year
PRA GROUP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.2B).
| Year | Annual Revenue |
|---|---|
| 2025 | $1.2B |
| 2024 | $1.1B |
| 2023 | $802.6M |
| 2022 | $237.3M |
PRA GROUP INC Quarterly Revenue & Net Profit History
PRA GROUP INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $333.4M | +13.7% | $56.5M | 17.0% |
| Q3 FY2025 | $311.1M | +10.5% | $-407.7M | -131.0% |
| Q2 FY2025 | $287.7M | +1.2% | $42.4M | 14.7% |
| Q1 FY2025 | $269.6M | +5.5% | $3.7M | 1.4% |
| Q4 FY2024 | $293.2M | +32.4% | $18.5M | 6.3% |
| Q3 FY2024 | $281.5M | +30.1% | $27.2M | 9.6% |
| Q2 FY2024 | $284.2M | +35.8% | $21.5M | 7.6% |
| Q1 FY2024 | $255.6M | +64.4% | $3.5M | 1.4% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $255.6M | $284.2M | $281.5M | $293.2M | $269.6M | $287.7M | $311.1M | $333.4M |
| YoY Growth | 64.4% | 35.8% | 30.1% | 32.4% | 5.5% | 1.2% | 10.5% | 13.7% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $4.48B | $4.66B | $4.94B | $4.93B | $5.15B | $5.43B | $5.00B | $5.10B |
| Liabilities | $3.29B | $3.46B | $3.65B | $3.74B | $3.87B | $4.04B | $4.02B | $4.06B |
| Equity | $1.13B | $1.15B | $1.22B | $1.14B | $1.22B | $1.34B | $928.5M | $979.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-73.0M | $-29.5M | $-35.0M | $-94.6M | $-52.6M | $-12.9M | $-10.1M | $-85.5M |