PRA Group Past Earnings Performance
Past criteria checks 0/6
PRA Group's earnings have been declining at an average annual rate of -63.2%, while the Consumer Finance industry saw earnings declining at 1.1% annually. Revenues have been growing at an average rate of 2% per year.
Key information
-63.20%
Earnings growth rate
-62.19%
EPS growth rate
| Consumer Finance Industry Growth | 7.20% |
| Revenue growth rate | 2.03% |
| Return on equity | -25.01% |
| Net Margin | -22.51% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
Narrative Update • Jun 26
PRAA: Index Removal And Margin Expansion Will Support Future Upside Potential
Analysts have lifted their fair value estimate for PRA Group from $22.67 to $26.00. This reflects updated assumptions that combine a slightly lower discount rate, reduced revenue growth expectations, a higher profit margin, and a lower future P/E multiple.Seeking Alpha • Apr 08
PRA Group: Not Cheap Enough Yet
Summary PRA Group purchases and collects on distressed loans, with 60% of its workforce in the U.S. Net income has recently turned negative, and operating cash flow remains persistently weak, raising concerns. Martin Sjolund was promoted to CEO last June and could serve as a catalyst with a strategy of copying what has worked for PRAA in Europe and streamlining the workforce. Insider ownership is modest at 2.1%, but recent insider buying may signal management confidence. Read the full article on Seeking Alpha
Narrative Update • Jan 26
PRAA: Reset Expectations And Goodwill Charge Will Create Long-Term Upside Potential
Analysts have trimmed their price target on PRA Group to $26 from $33, citing slightly better cash efficiency being offset by slower revenue growth and a reset of expectations for revenue growth, profit margins, and future P/E multiples. Analyst Commentary Bearish analysts are signaling a more cautious stance on PRA Group after recent results, even though the latest quarter featured an earnings beat.Narrative Update • Jan 11
PRAA: Cash Efficiency And Cost Control Will Support Future Upside Potential
Analysts have trimmed their price target on PRA Group to US$26 from US$33, reflecting a view that slightly better cash efficiency is being offset by marginally slower revenue growth and modest tweaks to expected profit margin and P/E assumptions. Analyst Commentary Recent research commentary around PRA Group focuses on how the updated US$26 price target lines up with the company’s execution on cash collection and its outlook for revenue growth and profitability.Narrative Update • Dec 26
PRAA: Improved Cash Efficiency Will Support Stronger Future Earnings Momentum
Analysts reduced their price target on PRA Group to $26 from $33, reflecting expectations that slightly improved cash efficiency will be outweighed by marginally slower revenue growth. Analyst Commentary Bullish Takeaways Bullish analysts highlight that the Q3 earnings beat reinforces management's ability to execute against guidance, supporting the view that the current valuation underestimates near term earnings power.Narrative Update • Dec 12
PRAA Will Face Cautious Outlook Amid Goodwill Impairment And Profitability Shift
Analysts have trimmed their fair value estimate for PRA Group from $20.00 to $18.00. This reflects slightly better cash efficiency, but a more cautious view on revenue growth and required returns, despite structurally higher profit margin expectations.Narrative Update • Nov 28
PRAA: Improved Cash Efficiency Will Drive Stronger Earnings Momentum Ahead
Analysts have slightly reduced their price target for PRA Group from $23.33 to $22.67. This adjustment reflects improved cash efficiency, balanced by slower-than-expected revenue growth and more modest projections for profit margin and future earnings.Narrative Update • Nov 04
PRAA: Improved Cash Efficiency Will Drive Performance Amid Revenue Uncertainties
Analysts have lowered their price target for PRA Group from $25.67 to $23.33. This reflects modest improvements in cash efficiency; however, it is moderated by slightly slower anticipated revenue growth.Seeking Alpha • Jan 03
PRA Group: Rebuilding Credibility And Still Undervalued
Summary PRA Group's turnaround plan is showing positive results, with significant improvements in cash collections and profitability, yet the share price performance hasn't matched these improvements. Improved collections practices are driving meaningful growth in cash collections in the U.S., as well as positive developments in estimated remaining collections. Efforts to enhance productivity, including moving more collections outside the U.S., offer credible prospects for higher margins and earnings growth leverage. Higher debt charge-offs should increase the supply of new receivables, while an improving economy in 2025 and beyond should support debtors' ability to pay. Valuation models indicate PRA Group shares are too cheap, even without returning to peak profitability, and despite elevated inherent risks, PRA Group's turnaround efforts should drive a rerating. Read the full article on Seeking Alpha
New Narrative • Sep 16
Legal Innovations And Global Diversification Propel Revenue Growth And Profit Margins
Investing in U.S. legal collections and efficient call center operations in Asia enhances revenue and reduces costs, improving margins.Seeking Alpha • Aug 13
PRA Group: A Turnaround And A Hedge For An Economic Slowdown
Summary PRA Group is one of the few countercyclical stocks out there, proven in the 2007-2009 recession. The stock struggled recently with losses in 2023 due to poor pricing on its purchases of charged-off loans from 2020 to 2022. Pricing is now much improved due to a surge in charge-offs and higher balances for credit cards and other unsecured consumer loans. It trades for half where it was 2 years ago, despite rapidly improving results. Read the full article on Seeking AlphaSeeking Alpha • Jul 14
PRA Group On A Long Road Back, But At Least It's Out Of The Ditch
Summary PRA Group allowed inefficiencies and operational issues in collections, purchasing, and overall operations to accumulate, driving terrible results in 2023 and a change in management. New management has moved quickly to make changes to improve operational efficiency and collections performance, leading to positive results in portfolio income and cash collections. Improving the portfolio will take longer, but credit card charge-offs are rising and PRA is well-placed to benefit from higher-yielding purchases over the next couple of years. Despite past challenges, PRA Group is on a better path now with potential for improved performance in the second half of 2024 and beyond, supporting a fair value around $30 on mid-single-digit core earnings growth. Read the full article on Seeking AlphaAnalysis Article • Apr 24
With EPS Growth And More, PRA Group (NASDAQ:PRAA) Is Interesting
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...Seeking Alpha • Mar 04
PRA Group Undervalued, But Needs More Collections Growth To Augment Efficiency
PRA Group had a solid fourth quarter relative to expectations, including a double-digit operating income beat, but cash collections, revenue, and operating income were all down year-over-year. Estimated remaining collections were down, as PRA Group is struggling to find enough charged-off receivables worth buying to offset collections. Management is testing new receivables categories and forward flow agreements could help recharge the collections pipeline, as could better yields on past purchases. PRA Group looks undervalued on the basis of mid-single-digit revenue growth, almost double-digit EPS growth, and double-digit FCF growth potential, but purchases and collections are important to sentiment.Analysis Article • Jan 18
Should You Be Adding PRA Group (NASDAQ:PRAA) To Your Watchlist Today?
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...Analysis Article • Oct 20
Here's Why I Think PRA Group (NASDAQ:PRAA) Might Deserve Your Attention Today
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Jul 09
Here's Why I Think PRA Group (NASDAQ:PRAA) Is An Interesting Stock
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...Analysis Article • Jun 03
It's Unlikely That The CEO Of PRA Group, Inc. (NASDAQ:PRAA) Will See A Huge Pay Rise This Year
As many shareholders of PRA Group, Inc. ( NASDAQ:PRAA ) will be aware, they have not made a gain on their investment in...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How PRA Group makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 1,247 | -281 | 766 | 0 |
| 31 Dec 25 | 1,202 | -305 | 751 | 0 |
| 30 Sep 25 | 1,162 | -343 | 740 | 0 |
| 30 Jun 25 | 1,132 | 92 | 719 | 0 |
| 31 Mar 25 | 1,129 | 71 | 712 | 0 |
| 31 Dec 24 | 1,115 | 71 | 707 | 0 |
| 30 Sep 24 | 1,043 | 43 | 686 | 0 |
| 30 Jun 24 | 978 | 4 | 663 | 0 |
| 31 Mar 24 | 903 | -21 | 632 | 0 |
| 31 Dec 23 | 803 | -83 | 631 | 0 |
| 30 Sep 23 | 804 | -59 | 619 | 0 |
| 30 Jun 23 | 832 | -22 | 624 | 0 |
| 31 Mar 23 | 881 | 19 | 634 | 0 |
| 31 Dec 22 | 967 | 117 | 615 | 0 |
| 30 Sep 22 | 1,001 | 135 | 622 | 0 |
| 30 Jun 22 | 1,020 | 145 | 631 | 0 |
| 31 Mar 22 | 1,047 | 165 | 636 | 0 |
| 31 Dec 21 | 1,096 | 183 | 644 | 0 |
| 30 Sep 21 | 1,113 | 179 | 656 | 0 |
| 30 Jun 21 | 1,117 | 187 | 653 | 0 |
| 31 Mar 21 | 1,103 | 189 | 637 | 0 |
| 31 Dec 20 | 1,065 | 149 | 650 | 0 |
| 30 Sep 20 | 1,061 | 147 | 654 | 0 |
| 30 Jun 20 | 1,043 | 129 | 655 | 0 |
| 31 Mar 20 | 1,023 | 90 | 681 | 0 |
| 31 Dec 19 | 1,017 | 86 | 681 | 0 |
| 30 Sep 19 | 985 | 74 | 677 | 0 |
| 30 Jun 19 | 961 | 59 | 670 | 0 |
| 31 Mar 19 | 930 | 60 | 645 | 0 |
| 31 Dec 18 | 908 | 66 | 623 | 0 |
| 30 Sep 18 | 882 | 140 | 592 | 0 |
| 30 Jun 18 | 861 | 145 | 604 | 0 |
| 31 Mar 18 | 843 | 137 | 593 | 0 |
| 31 Dec 17 | 828 | 164 | 539 | 0 |
| 30 Sep 17 | 773 | 58 | 460 | 0 |
| 30 Jun 17 | 790 | 76 | 460 | 0 |
| 31 Mar 17 | 815 | 101 | 430 | 0 |
| 31 Dec 16 | 931 | 86 | 549 | 0 |
| 30 Sep 16 | 906 | 144 | 486 | 0 |
| 30 Jun 16 | 913 | 127 | 447 | 0 |
| 31 Mar 16 | 922 | 142 | 475 | 0 |
| 31 Dec 15 | 942 | 168 | 472 | 0 |
| 30 Sep 15 | 963 | 174 | 513 | 0 |
Quality Earnings: PRAA is currently unprofitable.
Growing Profit Margin: PRAA is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PRAA is unprofitable, and losses have increased over the past 5 years at a rate of 63.2% per year.
Accelerating Growth: Unable to compare PRAA's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: PRAA is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (22.2%).
Return on Equity
High ROE: PRAA has a negative Return on Equity (-25.01%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/07 18:28 |
| End of Day Share Price | 2026/07/07 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
PRA Group, Inc. is covered by 9 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Scharf | Citizens JMP Securities, LLC |
| Richard Shane | Jefferies LLC |
| Hugh Miller | Macquarie Research |