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PRAA Financials Pra Group Inc

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 2.4% per year over the past 5 years.
  • Operating margin has contracted, at -2.5% in the latest year.

Financial health

  • Total debt ($3.7B) exceeds cash ($104M); net debt is $3.6B.
  • Total debt has grown faster than revenue (6.8% vs 2.4% per year).
  • The company is unprofitable; at its current free-cash-flow burn it has roughly 1.2 years of cash runway.
Revenue & net income
-$305M $448M $1B $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-25% 8% 40% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
-$100M $72M $244M $0 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $2B $4B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$1B -$191M $648M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.2B -$305M 0.0% -2.5% -$90M $3.7B $104M
2024 $1.1B $71M 0.0% 30.5% -$99M $3.3B $106M
2023 $803M -$83M 0.0% 12.5% -$100M $2.9B $113M
2022 $967M $117M 0.0% 29.6% $8M $2.5B $83M
2021 $1.1B $183M 0.0% 34.2% $74M $2.6B $88M
2020 $1.1B $149M 0.0% 32.8% $124M $2.7B $109M
2019 $1.0B $86M 0.0% 24.4% $115M $2.8B $120M
2018 $908M $66M 0.0% 20.4% $60M $2.5B $99M
2017 $828M $164M 0.0% 25.8% -$7M $2.2B $121M
2016 $931M $86M 0.0% 23.6% $192M $1.8B $94M
2015 $942M $168M 0.0% 32.9% $189M $1.7B $71M
2014 $881M $177M 0.0% 38.8% $244M $1.5B $40M
2013 $735M $175M 0.0% 40.5% $209M $452M $162M
2012 $593M $127M 0.0% 36.4% $124M $328M $33M
2011 $459M $101M 0.0% 38.8% $163M $1M $27M

Valuation over time

How the market has priced PRAA against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 6.4 12.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 0.8 1.5 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S

Frequently asked questions

Is PRAA growing its revenue and profit?

Over the past 5 years, Pra Group Inc's revenue has grown 2.4% per year. These are computed facts, not advice.

How much debt does PRAA have?

As of FY2025, Pra Group Inc reported $3.7B of total debt against $104M of cash.

What is PRAA's profit margin?

In FY2025, gross margin was —, operating margin -2.5%, and net margin -25.4%.

What is PRAA's P/E ratio?

As of Jun '26, Pra Group Inc traded at a price-to-earnings ratio of about 8.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.