Symbols

PRAA

PRA Group·NASDAQ

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PRAA fundamentals

PRAA Q4 2025 Earnings

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.

Earnings

EPS

Revenue

Revenue & Expenses

PRAA has released its 2025 Q4 earnings report, with revenue of 333.39M, reflecting a YoY change of 13.69%, and net profit of 59.22M, showing a YoY change of 159.90%. The Sankey diagram below clearly presents PRAA's revenue sources and cost distribution.

Key Indicators

PRA Group (PRAA) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

PRA Group (PRAA)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Breakdown

Balance Sheet

PRA Group (PRAA)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

PRA Group (PRAA)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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