PRAA
PRA Group·NASDAQ
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PRAA fundamentals
PRA Group (PRAA) released its earnings on Feb 26, 2026: revenue was 333.39M (YoY +13.69%), beat estimates; EPS was 1.46 (YoY +210.64%), beat estimates.
Revenue / YoY
333.39M
+13.69%
EPS / YoY
1.46
+210.64%
Report date
Feb 26, 2026
PRAA Earnings Call Summary for Q4,2025
- Record Financials: 2025 saw record ERC ($8.6B), cash collections ($2.1B), and U.S. legal cash growth (28%), driven by disciplined portfolio purchases and operational efficiency.
- Return-Focused Investing: U.S. purchase price multiples rose to 2.16x, Europe to 1.85x, reflecting higher return focus. 2025 portfolio purchases ($1.2B) balanced growth with leverage reduction (2.7x net leverage).
- AI & Tech Transformation: Testing AI in document processing and collections, with a new AI leader hired. Offshore agents now 32% of U.S. capacity, reducing costs while maintaining growth.
- Cost Management Success: 42% U.S. call center headcount reduction offset by 20% core cash collections growth. $20M annualized savings from workforce reduction, targeting mid-2x leverage by 2026.
- Shareholder Returns: $20M in 2025 share buybacks, with $50M remaining under authorization, contingent on market valuation and capital allocation priorities.
EPS
Actual | 0.42 | 1.26 | 0.92 | 0.65 | 1.27 | 1.22 | 0.76 | 0.79 | 0.97 | 0.91 | 0.63 | 0.41 | -1.5 | -0.1 | -0.31 | -0.22 | 0.09 | 0.54 | 0.69 | 0.47 | 0.09 | 1.08 | -10.43 | 1.46 | |||||||||||
Forecast | 0.2429 | 0.7029 | 0.6467 | 0.5975 | 0.7675 | 0.7375 | 0.73 | 0.645 | 0.79 | 0.56 | 0.4725 | 0.3625 | 0.476 | -0.142 | -0.374 | -0.37 | -0.05 | 0.0825 | 0.32 | 0.4425 | 0.4427 | 0.44 | 0.3733 | 0.5 | |||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +72.91% | +79.26% | +42.26% | +8.79% | +65.47% | +65.42% | +4.11% | +22.48% | +22.78% | +62.50% | +33.33% | +13.10% | -415.13% | +29.58% | +17.11% | +40.54% | +280.00% | +554.55% | +115.63% | +6.21% | -79.67% | +145.45% | -2894.00% | +192.00% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 251.78M | 271.91M | 267.86M | 273.86M | 289.47M | 285.63M | 263.70M | 256.94M | 240.60M | 258.26M | 244.81M | 222.85M | 155.47M | 209.24M | 216.43M | 221.42M | 255.59M | 284.23M | 281.48M | 293.23M | 269.62M | 287.69M | 311.14M | 333.39M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 241.60M | 261.66M | 254.25M | 252.10M | 270.31M | 257.09M | 256.09M | 252.55M | 253.31M | 233.97M | 227.28M | 219.13M | 227.63M | 205.10M | 205.24M | 208.25M | 233.37M | 245.04M | 262.20M | 275.81M | 285.97M | 279.34M | 295.77M | 294.25M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +4.22% | +3.92% | +5.36% | +8.63% | +7.09% | +11.10% | +2.97% | +1.74% | -5.02% | +10.38% | +7.71% | +1.70% | -31.70% | +2.01% | +5.45% | +6.32% | +9.52% | +15.99% | +7.35% | +6.32% | -5.72% | +2.99% | +5.20% | +13.30% |
Earnings Call
You can ask Aime
What were the key takeaways from PRA Group’s earnings call?What is PRA Group's latest dividend and current dividend yield?What is PRA Group's gross profit margin?What is the revenue and EPS growth rate for PRA Group year over year?What guidance did PRA Group's management provide for the next earnings period?What factors drove the changes in PRA Group's revenue and profit?What were the key takeaways from PRA Group's earnings call?What does PRA Group do and what are its main business segments?
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