PRA GROUP INC financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data PRA GROUP INC files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	931	828	908	1,017	1,065	1,096	967	803	1,115	1,202
Operating expenses	612	603	690	745	716	721	681	702	775	1,232
Operating income	220	214	185	248	350	375	286	100	340	-30.3
Interest expense	85.9	104	124	144	143	125	133	195
Interest income	5.05	5.61	3.13	2.25	1.02
Other non-operating income	-5.82	-2.79	-0.32	-0.36	-1.05	0.28	-1.33	-1.94	-0.85	-0.34
Pre-tax income	136	160	89.5	117	209	250	155	-82.9	110	-243
Income tax	43.6	-10.9	13.8	19.7	41.2	54.8	36.8	-16.1	21	46.7
Net income to minority interests	5.8	6.81	10.2	11.5	18.4	12.4	0.85	16.7	18	15.2
Net income	86.3	164	65.6	86.2	149	183	117	-83.5	70.6	-305
EBITDA	238	229	200	264	365	390	301	114	350	-21.5
EPS, basic	1.86	3.60	1.45	1.90	3.28	4.07	2.96	-2.13	1.79	-7.79
EPS, diluted	1.86	3.59	1.44	1.89	3.26	4.04	2.94	-2.13	1.79	-7.79
Shares, basic (weighted)	46.3	45.7	45.3	45.4	45.5	45	39.6	39.2	39.4	39.2
Shares, diluted (weighted)	46.4	45.8	45.4	45.6	45.9	45.3	39.9	39.2	39.5	39.2

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	94.3	121	98.7	120	109	87.6	83.4	113	106	104
Property, plant and equipment	38.7	49.3	54.1	56.5	58.4	54.5	51.6	36.5	29.5	24.9
Lease right-of-use assets				69	53	56.7	54.5	45.9	32.2	29.2
Goodwill	500	527	464	481	493	480	436	432	396	26.9
Intangible assets	27.9	23.6	5.52	4.5
Total assets	3,164	3,701	3,910	4,424	4,453	4,366	4,176	4,525	4,931	5,103
Total liabilities	2,238	2,551	2,779	3,197	3,080	3,041	2,889	3,286	3,738	4,063
Total debt	1,815
Paid-in capital	66.4	53.9	60.3	67.3	75.3	0	2.17	7.07	17.9	11.5
Retained earnings	1,049	1,215	1,276	1,363	1,512	1,553	1,573	1,490	1,560	1,255
Other comprehensive income	-252	-179	-242	-261	-246	-267	-348	-330	-443	-287
Shareholders' equity	864	1,091	1,095	1,169	1,342	1,286	1,228	1,167	1,135	980
Minority interests	52.9	50.2	28.8	57.6	31.6	38.5	59.1	72.3	58.6	60.1
Total equity	918	1,141	1,124	1,227	1,359	1,325	1,287	1,239	1,194	1,040
Total liabilities and equity	3,164	3,701	3,910	4,424	4,453	4,366	4,176	4,525	4,931	5,103
Shares outstanding	46.4	45.2	45.3	45.4	45.6	41	39	39.2	39.5	38.5

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	92.1	171	75.7	97.7	168	196	118	-66.8	88.6	-290
Depreciation and amortization	18.2	15.4	15.1	15.9	15.6	15.1	14.9	13.1	10.6	8.8
Stock-based compensation	6.14	8.68	8.52	10.7	14.4	15.9	13	11.1	13.5	15.9
Deferred income tax	-21.3	-130	-56.2	-37.6	-58.5	6.8	0.61	-35.9	-2.14	6.39
Change in payables	-2.09	2.74	1.32	-2.07	0.91	-1.32	3.96	-1.21	30.9	-3.38
Cash from operations	206	15.5	80.9	133	142	84.9	21.6	-97.5	-94.6	-85.5
Capital expenditures	-14.2	-22.8	-20.5	-18	-17.2	-11.2	-13.3	-2.89	-4.05	-4.82
Acquisitions	-60.2	0	0	-57.6	0	-0.65	0	0
Purchases of investments	-6.05	-6.69	-42.6	-83.3	-45.2	-111	-63
Sales and maturities of investments	6.9	10.1	25.9	75	43.4	68.9	66.1	71.3	58.1	107
Cash from investing	-318	-295	-387	-441	115	160	120	-235	-382	-59.9
Share buybacks	0	-44.9	0	0	0	-201	-111	0	0	-20
Cash from financing	94.4	296	295	340	-252	-263	-121	355	491	116
Exchange rate effect	40.1	10	-10.4	-6.61	-7.37	-14.5	-25	6.03	-20	30.7
Net change in cash	22.9	26.2	-21.8	25.1	-2.76	-32	-4.31	28.9	-6.26	1.21
Free cash flow	192	-7.37	60.3	115	124	73.7	8.34	-100	-98.6	-90.4
Interest paid	68	79.8	97.5	119	118	112	117	138	224	259
Income taxes paid	78.8	144	73.5	69	80.9	77.8	21.9	25.5	5.22	38.5

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $20.65 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Operating margin	5.0%	Operating income / revenue.
Pre-tax margin	-14.2%	Pre-tax income / revenue.
Net margin	-19.9%	Net income / revenue.
FCF margin	-2.8%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	-2.4%	Cash from operations / revenue.
Return on equity (ROE)	-25.4%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	-5.1%	Net income / average total assets.
Return on invested capital (ROIC)	5.8%	Approximation: operating income x (1 - tax rate) / average (total debt + equity - cash). Tax rate is the effective rate when between 0% and 50%, else 21%.
Stock-based pay / revenue	1.3%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	0.5%	Capital expenditures / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	7.8%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	7.5%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	2.4%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating income growth, 1y	-108.9%	Operating income vs the same period a year earlier. Only from a positive base.
EBITDA growth, 1y	-106.1%	EBITDA vs the same period a year earlier. Only from a positive base.
Net income growth, 1y	-532.2%	Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y	-535.2%	EPS vs the same period a year earlier. Only from a positive base.
Book value growth, 1y	-13.7%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	-7.2%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	-6.1%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	3.5%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	6.9%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	2.8%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-0.9%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-0.6%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-3.1%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	78.8%	Total liabilities / total assets.
Goodwill and intangibles / assets	0.5%	(Goodwill + intangible assets) / total assets.
Tangible book value	$1.02B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.25x	Revenue / average total assets.
Fixed asset turnover	59.9x	Revenue / average property, plant and equipment.

Per share

Metric	Value	How it is calculated
EPS, diluted	-$6.92	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$34.76	Revenue / diluted weighted shares.
FCF per share	-$0.99	Free cash flow / diluted weighted shares.
Operating cash flow per share	-$0.82	Cash from operations / diluted weighted shares.
Book value per share	$27.77	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$27.06	Tangible book value / shares outstanding.
Cash per share	$3.52	(Cash + short-term investments) / shares outstanding.

Valuation

Metric	Value	How it is calculated
Market cap	$777.4M	Share price x shares outstanding.
Enterprise value	$645.0M	Market cap + total debt - cash - short-term investments.
P/S	0.58x	Market cap / revenue.
P/B	0.74x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.76x	Market cap / tangible book value, when positive.
EV/Sales	0.48x	Enterprise value / revenue.
EV/EBIT	9.69x	Enterprise value / operating income, when both are positive.
FCF yield	-4.9%	Free cash flow / market cap.
Earnings yield	-34.1%	Net income / market cap (the inverse of P/E).
Shareholder yield	3.9%	(Dividends paid + share buybacks) / market cap.

What was PRA GROUP INC's revenue in fiscal 2025?

PRA GROUP INC reported revenue of $1.20B for fiscal 2025, 7.8% higher than the year before.

Was PRA GROUP INC profitable in fiscal 2025?

No. It reported a net loss of $305.1M.

How much free cash flow did PRA GROUP INC generate in fiscal 2025?

Cash from operations of $85.5M minus capital expenditures of $4.8M left free cash flow of -$90.4M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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