PRA Group Inc. (PRAA)
Nasdaq · Short-Term Business Credit Institutions · Finance, insurance and real estate · CIK 1185348 · fiscal year ends in Dec
Closing price $20.04 on 29 Oct 2026; 52-week range $10.42 to $22.23.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $1.3B
- Revenue growth
- 17.6%
- Net income, last twelve months
- -$265.0M
- Earnings per share
- -$6.73
- Operating margin
- 5.0%
- Net margin
- -19.9%
- Free cash flow
- -$37.8M
- Return on equity
- -25.4%
- Market value
- $754.5M
- Cash
- $132.4M
- Debt
- $3.8B
- Debt to equity
- 3.60
- Shares outstanding
- 37.6M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $1.2B | -$30.3M | -$305.1M | -$7.79 | -$90.4M | 10-K filed 2 Mar 2026 |
| FY2024 | 31 Dec 2024 | $1.1B | $339.7M | $70.6M | $1.79 | -$98.6M | 10-K filed 27 Feb 2025 |
| FY2023 | 31 Dec 2023 | $802.6M | $100.5M | -$83.5M | -$2.13 | -$100.4M | 10-K filed 29 Feb 2024 |
| FY2022 | 31 Dec 2022 | $966.5M | $285.8M | $117.1M | $2.94 | $8.3M | 10-K filed 28 Feb 2023 |
| FY2021 | 31 Dec 2021 | $1.1B | $375.0M | $183.2M | $4.04 | $73.7M | 10-K filed 1 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $372.2M | $57.9M | $1.51 |
| Q1 FY2026 | 31 Mar 2026 | $314.5M | $28.2M | $0.73 |
| Q4 FY2025 | 31 Dec 2025 | $333.4M | $56.5M | $1.46 |
| Q3 FY2025 | 30 Sep 2025 | $311.1M | -$407.7M | -$10.43 |
| Q2 FY2025 | 30 Jun 2025 | $287.7M | $42.4M | $1.08 |
| Q1 FY2025 | 31 Mar 2025 | $269.6M | $3.7M | $0.09 |
| Q4 FY2024 | 31 Dec 2024 | $293.2M | $18.5M | $0.47 |
| Q3 FY2024 | 30 Sep 2024 | $281.5M | $27.2M | $0.69 |
Revenue by segment
As the company reports it in the segment note of its annual report.
By region, FY2025
| Segment | Revenue | Share |
|---|---|---|
| United States | $611.3M | 50.9% |
| Foreign Countries | $420.5M | 35.0% |
| United Kingdom | $170.1M | 14.2% |
Company events
The newest 8-K filings of 263 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 8 Oct 2026 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 29 Sep 2026 | 8-K | Other events | 8.01, 9.01 |
| 29 Sep 2026 | 8-K | Other events | 8.01, 9.01 |
| 23 Sep 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 6 Aug 2026 | 8-K | Results, Investor update, Other events | 2.02, 7.01, 8.01, 9.01 |
| 23 Jun 2026 | 8-K | Leadership change, Shareholder vote | 5.02, 5.07, 9.01 |
| 7 May 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 5 May 2026 | 8-K | Material agreement, New debt, Investor update | 1.01, 2.03, 7.01, 9.01 |
| 26 Feb 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 3 Nov 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 1 Oct 2025 | 8-K | Material agreement, New debt | 1.01, 2.03, 9.01 |
| 24 Sep 2025 | 8-K | Other events | 8.01, 9.01 |
Every filing
The newest filings with the SEC of 470 held.
| Filed | Form | Period |
|---|---|---|
| 8 Oct 2026 | 8-K | 2 Oct 2026 |
| 29 Sep 2026 | 8-K | 29 Sep 2026 |
| 29 Sep 2026 | 8-K | 29 Sep 2026 |
| 23 Sep 2026 | 8-K | 21 Sep 2026 |
| 14 Aug 2026 | S-8 | – |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 6 Aug 2026 | 8-K | 6 Aug 2026 |
| 23 Jun 2026 | 8-K | 16 Jun 2026 |
| 8 May 2026 | 10-Q | 31 Mar 2026 |
| 7 May 2026 | 8-K | 7 May 2026 |
| 5 May 2026 | 8-K | 30 Apr 2026 |
| 30 Apr 2026 | DEFA14A | – |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 6 Nov 2025 | Olsen Geir, Director | Purchase | 15,000 | $14.15 | $212.3K | 58,933 | 10 Nov 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | T. Rowe Price Investment Management, Inc. | 13G amended | 7.9% | 3.0M |
| 30 Jul 2026 | Global Alpha Capital Management Ltd. | 13G amended | 4.1% | 1.6M |
| 8 Jul 2026 | BlackRock, Inc. | 13G amended | 8% | 3.1M |
| 30 Apr 2026 | Vanguard Capital Management | 13G | 5.05% | 1.9M |
| 27 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 13 Feb 2026 | Topline Capital Management, LLC | 13G amended | 7.4% | 2.9M |
| 21 Jan 2026 | Dimensional Fund Advisors LP | 13G amended | 4.8% | 1.9M |
| 30 Oct 2025 | The Vanguard Group | 13G amended | 7.51% | 2.9M |
Trades by members of the House
From each member's periodic transaction report.
| Traded | Member | Type | Amount | Disclosed |
|---|---|---|---|---|
| 19 Oct 2020 | Gilbert Cisneros (CA39) | Sale (partial) | $1,001 - $15,000 | 5 Nov 2020 |
| 15 May 2020 | Gilbert Cisneros (CA39) | Sale (partial) | $1,001 - $15,000 | 16 Jun 2020 |
| 24 Dec 2018 | Greg Gianforte (MT00) | Purchase | $50,001 - $100,000 | 2 Feb 2019 |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 900.8K | +7.3% | 2.57 |
| 30 Sep 2026 | 839.6K | -21.71% | 1.48 |
| 15 Sep 2026 | 1.1M | +11.8% | 3.14 |
| 31 Aug 2026 | 959.2K | +19.57% | 2.91 |
| 14 Aug 2026 | 802.2K | -1.45% | 1.63 |
| 31 Jul 2026 | 814.0K | -14.72% | 2.35 |
| 15 Jul 2026 | 954.5K | +9.96% | 2.93 |
| 30 Jun 2026 | 868.1K | -42.72% | 1 |
Funds that hold it
From each fund's latest Form 13F.
231 funds held it at 30 Jun 2026: 91 added and 71 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 4,433,001 | $84.2M | -2,655,778 |
| Topline Capital Management, LLC | 3,845,334 | $73.0M | 0 |
| T. Rowe Price Investment Management, Inc. | 3,014,573 | $57.2M | -629,055 |
| Vanguard Capital Management LLC | 1,648,418 | $31.3M | -6,078 |
| Global Alpha Capital Management Ltd. | 1,574,253 | $29.9M | -362,507 |
| Dimensional Fund Advisors LP | 1,359,738 | $25.8M | -275,868 |
| Assenagon Asset Management S.A. | 1,202,888 | $22.8M | – |
| American Century Companies Inc. | 1,023,033 | $19.4M | +441,369 |
| Geode Capital Management, LLC | 1,010,193 | $19.2M | +63,663 |
| State Street Corp. | 946,980 | $18.0M | -553,936 |
Peers
Companies in the same industry.
- Encore Capital Group Inc. (ECPG): revenue $1.9B, market value $2.2B
- Jefferson Capital, Inc. (JCAP): revenue $659.6M, market value $1.1B
- Plumas Bancorp (PLBC): revenue $112.9M, market value $442.4M