Touchstone
Last syncNov 1, 2026, 6:55 PM ET

PRAA

Pra Group Inc Financials Short-Term Business Credit Institutions Russell 3000
$19.49Close $749.4MMarket cap $10.42 – $22.2352-week range Nov 5, 2026Next report · after the close

Highlights

Strengths

  • Earnings growing EPS +41% year on year

Cautions

  • Trend not confirmed 7 of 8 conditions · under the 50-day
  • Results soon Nov 5, 2026, in 4 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 12%
1wk up 2.1% price change
1mo 0.0% price change
12-month return up 42% market up 11% · its own up 29%
F-score — — Not assessed
Altman Z — Unknown
P/E — price / earnings
PEG — P/E / EPS growth
P/B 0.8× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 8% year on year
EPS growth up 41% latest quarter · -654 pts
Sales growth up 29% latest quarter · +13 pts
ROE down 29% return on equity
Free cash margin —
D/E 3.77 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 4.1% $0.80 a day · 2×ATR $17.90
RS 77 / 99 vs the universe
Trend 7 / 8 under the 50-day
Relative volume 0.6× vs 50-day average
Up/down volume 1.37 50 sessions
Implied move — no option chain · report Nov 5, 2026
Trend template · 7 of 8
  • Price above the 50-day average: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Aug 6, 2026
Results reaction Aug 6, 2026+15% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $1.2B +8% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $9.7M FY2021 · $14.7M FY2022 · $966.5M FY2023 · $802.6M FY2024 · $1.1B FY2025 · $1.2B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology -$305.0M down to a loss
-$500M $0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $149.3M FY2021 · $183.0M FY2022 · $117.0M FY2023 · -$83.0M FY2024 · $71.0M FY2025 · -$305.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net -25%
0% 2000% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 1532% FY2021 · Net 1245% FY2022 · Net 12% FY2023 · Net -10% FY2024 · Net 6% FY2025 · Net -25%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $108.6M · Long-term debt $2.7B FY2021 · Cash $87.6M · Long-term debt $2.6B FY2022 · Cash $83.4M · Long-term debt $2.5B FY2023 · Cash $112.5M · Long-term debt $2.9B FY2024 · Cash $105.9M · Long-term debt $3.3B FY2025 · Cash $104.4M · Long-term debt $3.7B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 38.45m -15.6% since FY2020
45.59m 38.45m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 45.59m FY2021 · 41.01m FY2022 · 38.98m FY2023 · 39.25m FY2024 · 39.51m FY2025 · 38.45m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $9.7M $14.7M $966.5M $802.6M $1.1B $1.2B
Operating income $349.7M $375.0M $285.8M $100.5M $339.7M -$30.3M
Net income $149.3M $183.0M $117.0M -$83.0M $71.0M -$305.0M
Net margin 1532% 1245% 12% -10% 6% -25%
Earnings per share $3.26 $4.04 $2.93 -$2.12 $1.80 -$7.79
Cash $108.6M $87.6M $83.4M $112.5M $105.9M $104.4M
Long-term debt $2.7B $2.6B $2.5B $2.9B $3.3B $3.7B
Shareholders' equity $1.3B $1.3B $1.2B $1.2B $1.1B $979.9M
Shares outstanding 45.59m 41.01m 38.98m 39.25m 39.51m 38.45m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Mar 2, 2026 Annual ↗ Dec 31, 2025 61d
Nov 10, 2025 Quarterly ↗ Sep 30, 2025 41d
Aug 6, 2025 Quarterly ↗ Jun 30, 2025 37d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Feb 27, 2025 Annual ↗ Dec 31, 2024 58d
Nov 8, 2024 Quarterly ↗ Sep 30, 2024 39d
Aug 7, 2024 Quarterly ↗ Jun 30, 2024 38d
May 8, 2024 Quarterly ↗ Mar 31, 2024 38d
Feb 29, 2024 Annual ↗ Dec 31, 2023 60d
Nov 7, 2023 Quarterly ↗ Sep 30, 2023 38d

Current reports

FiledDisclosed
Oct 8, 2026 Material agreement · New obligation ↗
Sep 29, 2026 Other events ↗
Sep 29, 2026 Other events ↗
Sep 23, 2026 Director or officer change ↗
Aug 6, 2026 Results · Regulation FD · Other events ↗
Jun 23, 2026 Director or officer change · Shareholder vote ↗
May 7, 2026 Results · Regulation FD ↗
May 5, 2026 Material agreement · New obligation · Regulation FD ↗
Feb 26, 2026 Results · Regulation FD ↗
Nov 3, 2025 Results · Regulation FD ↗
Oct 1, 2025 Material agreement · New obligation ↗
Sep 24, 2025 Other events ↗