PRA Group (PRAA) Financials

$17.10 +0.07 (+0.41%)

Closing price 04:00 PM Eastern

Extended Trading

$17.08 -0.02 (-0.09%)

As of 07:29 PM Eastern

Annual Income Statements for PRA Group

This table shows PRA Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	117	-83	71
Consolidated Net Income / (Loss)	118	-67	89
Net Income / (Loss) Continuing Operations	118	-67	89
Total Pre-Tax Income	155	-83	110
Total Operating Income	286	100	340
Total Gross Profit	681	514	816
Total Revenue	967	803	1,115
Operating Revenue	967	803	1,115
Total Cost of Revenue	286	289	299
Operating Cost of Revenue	286	289	299
Total Operating Expenses	395	413	476
Selling, General & Admin Expense	51	52	57
Depreciation Expense	15	19	11
Other Operating Expenses / (Income)	214	215	227
Other Special Charges / (Income)	115	127	181
Total Other Income / (Expense), net	-131	-183	-230
Interest Expense	131	182	229
Other Income / (Expense), net	-0.34	-1.66	-0.86
Income Tax Expense	37	-16	21
Net Income / (Loss) Attributable to Noncontrolling Interest	0.85	17	18
Basic Earnings per Share	$2.96	($2.13)	$1.79
Weighted Average Basic Shares Outstanding	39.64M	39.18M	39.38M
Diluted Earnings per Share	$2.94	($2.13)	$1.79
Weighted Average Diluted Shares Outstanding	39.89M	39.18M	39.54M
Weighted Average Basic & Diluted Shares Outstanding	38.98M	39.25M	39.51M

This table shows PRA Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	25	16	-59	-3.80	-12	-8.78	3.48	22	27	18
Consolidated Net Income / (Loss)	27	17	-54	1.16	-8.15	-5.86	12	25	29	23
Net Income / (Loss) Continuing Operations	27	17	-54	1.16	-8.15	-5.86	12	25	29	23
Total Pre-Tax Income	38	24	-73	2.74	-6.36	-6.68	14	34	28	33
Total Operating Income	71	59	-34	46	43	46	66	89	90	94
Total Gross Profit	174	153	73	143	147	150	182	210	205	218
Total Revenue	245	223	155	209	216	221	256	284	281	293
Operating Revenue	245	223	155	209	216	221	256	284	281	293
Total Cost of Revenue	70	70	82	66	70	71	74	74	76	75
Operating Cost of Revenue	70	70	82	66	70	71	74	74	76	75
Total Operating Expenses	104	94	107	98	104	105	116	121	115	124
Selling, General & Admin Expense	13	13	13	13	12	14	13	14	14	16
Depreciation Expense	3.74	3.86	3.59	3.48	3.27	8.27	2.72	2.64	2.47	2.97
Other Operating Expenses / (Income)	54	49	57	50	53	55	61	55	56	55
Other Special Charges / (Income)	32	28	33	31	31	33	39	49	43	50
Total Other Income / (Expense), net	-33	-35	-39	-43	-49	-52	-52	-55	-62	-61
Other Income / (Expense), net	-0.08	-0.38	-0.66	0.20	0.06	-1.26	0.02	-0.05	-0.67	-0.16
Income Tax Expense	11	6.96	-19	1.58	1.79	-0.82	2.39	8.70	-0.67	11
Net Income / (Loss) Attributable to Noncontrolling Interest	2.45	1.10	4.73	4.96	4.11	2.92	8.28	3.60	1.77	4.33
Basic Earnings per Share	$0.63	$0.43	($1.50)	($0.10)	($0.31)	($0.22)	$0.09	$0.55	$0.69	$0.46
Weighted Average Basic Shares Outstanding	39.02M	39.64M	39.03M	39.19M	39.24M	39.18M	39.27M	39.36M	39.42M	39.38M
Diluted Earnings per Share	$0.63	$0.43	($1.50)	($0.10)	($0.31)	($0.22)	$0.09	$0.54	$0.69	$0.47
Weighted Average Diluted Shares Outstanding	39.17M	39.89M	39.03M	39.19M	39.24M	39.18M	39.45M	39.55M	39.49M	39.54M
Weighted Average Basic & Diluted Shares Outstanding	38.98M	38.98M	39.24M	-	39.24M	39.25M	39.35M	39.42M	39.43M	39.51M

This table details how cash moves in and out of PRA Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	21	23	14
Net Cash From Operating Activities	22	-98	-95
Net Cash From Continuing Operating Activities	22	-98	-95
Net Income / (Loss) Continuing Operations	118	-67	89
Consolidated Net Income / (Loss)	118	-67	89
Depreciation Expense	15	19	11
Amortization Expense	10	9.22	11
Non-Cash Adjustments To Reconcile Net Income	-121	-36	-224
Changes in Operating Assets and Liabilities, net	-1.11	-22	19
Net Cash From Investing Activities	120	-235	-382
Net Cash From Continuing Investing Activities	120	-235	-382
Purchase of Property, Plant & Equipment	-13	-2.89	-4.05
Purchase of Investments	-844	-1,160	-1,407
Sale and/or Maturity of Investments	66	71	58
Other Investing Activities, net	912	857	971
Net Cash From Financing Activities	-121	355	491
Net Cash From Continuing Financing Activities	-121	355	491
Repayment of Debt	-1,624	-838	-2,181
Repurchase of Preferred Equity	0.00	-3.66	-298
Repurchase of Common Equity	-111	0.00	0.00
Payment of Dividends	-6.69	-10	-19
Issuance of Debt	1,607	1,215	2,930
Issuance of Common Equity	18	0.00	2.40
Other Financing Activities, net	-3.78	-7.61	57
Cash Interest Paid	117	138	224
Cash Income Taxes Paid	22	26	5.22

This table details how cash moves in and out of PRA Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	22	19	387	-354	-3.30	-7.49	-4.97	10	21	-12
Net Cash From Operating Activities	38	25	-48	-33	-37	21	-73	-29	-35	43
Net Cash From Continuing Operating Activities	38	25	-48	-33	-37	21	-73	-29	-35	43
Net Income / (Loss) Continuing Operations	27	17	-54	1.16	-8.15	-5.86	12	25	29	23
Consolidated Net Income / (Loss)	27	17	-54	1.16	-8.15	-5.86	12	25	29	23
Depreciation Expense	3.74	3.86	3.59	3.48	8.31	3.23	2.72	2.64	2.47	2.97
Amortization Expense	2.56	2.44	2.44	2.38	2.22	2.18	2.20	2.33	3.80	2.24
Non-Cash Adjustments To Reconcile Net Income	-0.15	-18	25	-32	-24	-5.54	-58	-73	-62	-31
Changes in Operating Assets and Liabilities, net	5.02	20	-25	-8.19	-16	27	-32	13	-8.27	46
Net Cash From Investing Activities	48	-75	8.98	-103	-86	-55	15	-111	-88	-199
Net Cash From Continuing Investing Activities	48	-75	8.98	-103	-86	-55	15	-111	-88	-199
Purchase of Property, Plant & Equipment	-2.49	-2.55	-0.41	-0.69	-1.22	-0.58	-0.50	-1.34	-1.05	-1.16
Purchase of Investments	-181	-282	-219	-341	-316	-285	-246	-379	-350	-432
Other Investing Activities, net	228	148	166	238	231	222	203	269	263	234
Net Cash From Financing Activities	-80	69	426	-217	120	27	53	151	143	144
Net Cash From Continuing Financing Activities	-80	69	426	-217	120	27	53	151	143	144
Repayment of Debt	-124	-219	-207	-427	-117	-87	-92	-526	-390	-1,174
Payment of Dividends	-1.13	-2.07	0.00	-1.17	-1.19	-7.78	-11	-6.08	-0.60	-1.27
Issuance of Debt	81	264	643	216	236	119	153	682	523	1,571
Other Financing Activities, net	-18	18	-11	-5.38	2.11	6.29	2.54	0.91	8.16	46
Cash Interest Paid	28	29	25	27	60	27	77	40	60	48
Cash Income Taxes Paid	-3.04	0.77	11	10	7.62	-2.94	8.62	6.71	0.13	-10

This table presents PRA Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	4,176	4,525	4,931
Total Current Assets	3,410	3,797	4,266
Cash & Equivalents	83	113	106
Note & Lease Receivable	3,295	3,657	4,141
Current Deferred & Refundable Income Taxes	32	28	20
Plant, Property, & Equipment, net	52	36	29
Total Noncurrent Assets	714	692	635
Goodwill	436	432	396
Noncurrent Deferred & Refundable Income Taxes	57	75	75
Other Noncurrent Operating Assets	221	186	164
Total Liabilities & Shareholders' Equity	4,176	4,525	4,931
Total Liabilities	2,889	3,286	3,738
Total Current Liabilities	292	304	358
Short-Term Debt	113	116	163
Accounts Payable	7.33	138	141
Current Deferred & Payable Income Tax Liabilities	26	18	29
Other Current Liabilities	34	33	24
Total Noncurrent Liabilities	2,597	2,982	3,380
Long-Term Debt	2,495	2,914	3,327
Capital Lease Obligations	59	-	36
Noncurrent Deferred & Payable Income Tax Liabilities	43	17	17
Total Equity & Noncontrolling Interests	1,287	1,239	1,194
Total Preferred & Common Equity	1,228	1,167	1,135
Preferred Stock	0.00	0.00	0.00
Total Common Equity	1,228	1,167	1,135
Common Stock	2.56	7.46	18
Retained Earnings	1,573	1,490	1,560
Accumulated Other Comprehensive Income / (Loss)	-348	-330	-443
Noncontrolling Interest	59	72	59

This table presents PRA Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	3,895	4,321	4,330	4,482	4,662	4,936
Total Current Assets	94	148	144	3,790	3,974	4,239
Cash & Equivalents	58	111	105	108	119	141
Note & Lease Receivable	-	-	-	3,650	3,820	4,064
Current Deferred & Refundable Income Taxes	36	36	39	32	35	33
Plant, Property, & Equipment, net	52	46	39	34	33	32
Total Noncurrent Assets	3,749	4,127	4,148	658	655	665
Goodwill	404	415	413	412	416	423
Noncurrent Deferred & Refundable Income Taxes	54	57	55	79	76	88
Other Noncurrent Operating Assets	253	231	219	167	163	154
Total Liabilities & Shareholders' Equity	3,895	4,321	4,330	4,482	4,662	4,936
Total Liabilities	2,713	3,081	3,140	3,286	3,459	3,654
Total Current Liabilities	227	267	242	267	280	293
Short-Term Debt	88	99	101	113	115	129
Accounts Payable	6.15	6.35	6.16	11	10	8.18
Accrued Expenses	104	119	106	99	114	109
Current Deferred & Payable Income Tax Liabilities	16	19	16	24	24	28
Other Current Liabilities	12	24	13	21	17	20
Total Noncurrent Liabilities	2,486	2,814	2,898	3,018	3,179	3,361
Long-Term Debt	2,380	2,740	2,832	2,953	3,114	3,296
Noncurrent Deferred & Payable Income Tax Liabilities	49	18	14	17	18	20
Other Noncurrent Operating Liabilities	-	-	52	49	47	45
Total Equity & Noncontrolling Interests	1,183	1,240	1,190	1,196	1,203	1,282
Total Preferred & Common Equity	1,131	1,166	1,116	1,129	1,145	1,219
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,131	1,166	1,116	1,129	1,145	1,219
Common Stock	0.39	2.93	4.55	9.32	13	16
Retained Earnings	1,557	1,511	1,498	1,493	1,515	1,542
Accumulated Other Comprehensive Income / (Loss)	-426	-348	-387	-373	-382	-339
Noncontrolling Interest	51	74	74	67	58	63

This table displays calculated financial ratios and metrics derived from PRA Group's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	-11.79%	-16.96%	38.87%
EBITDA Growth	-22.15%	-59.24%	184.37%
EBIT Growth	-23.77%	-65.38%	242.86%
NOPAT Growth	-25.61%	-67.71%	290.28%
Net Income Growth	-39.65%	-156.57%	232.69%
EPS Growth	-27.23%	-172.45%	184.04%
Operating Cash Flow Growth	-74.58%	-551.72%	3.02%
Free Cash Flow Firm Growth	0.44%	-156.92%	15.23%
Invested Capital Growth	-4.00%	7.39%	11.00%
Revenue Q/Q Growth	-3.41%	-0.18%	6.89%
EBITDA Q/Q Growth	-6.74%	-10.94%	15.93%
EBIT Q/Q Growth	-7.33%	-12.92%	17.19%
NOPAT Q/Q Growth	-7.51%	-12.06%	9.41%
Net Income Q/Q Growth	-14.08%	-52.30%	47.80%
EPS Q/Q Growth	-10.91%	-43.92%	62.73%
Operating Cash Flow Q/Q Growth	-50.05%	-4.58%	19.00%
Free Cash Flow Firm Q/Q Growth	111.10%	25.04%	38.41%
Invested Capital Q/Q Growth	6.05%	3.46%	1.07%
Profitability Metrics	-	-	-
Gross Margin	70.46%	64.02%	73.18%
EBITDA Margin	32.16%	15.78%	32.32%
Operating Margin	29.57%	12.52%	30.48%
EBIT Margin	29.53%	12.32%	30.41%
Profit (Net Income) Margin	12.21%	-8.32%	7.95%
Tax Burden Percent	76.23%	80.54%	80.81%
Interest Burden Percent	54.22%	-83.86%	32.34%
Effective Tax Rate	23.77%	0.00%	19.19%
Return on Invested Capital (ROIC)	5.51%	1.75%	6.26%
ROIC Less NNEP Spread (ROIC-NNEP)	1.74%	-3.23%	0.39%
Return on Net Nonoperating Assets (RNNOA)	3.52%	-7.04%	1.02%
Return on Equity (ROE)	9.04%	-5.29%	7.28%
Cash Return on Invested Capital (CROIC)	9.59%	-5.38%	-4.17%
Operating Return on Assets (OROA)	6.68%	2.27%	7.17%
Return on Assets (ROA)	2.76%	-1.53%	1.87%
Return on Common Equity (ROCE)	8.70%	-5.01%	6.89%
Return on Equity Simple (ROE_SIMPLE)	9.61%	-5.72%	7.80%
Net Operating Profit after Tax (NOPAT)	218	70	275
NOPAT Margin	22.54%	8.77%	24.63%
Net Nonoperating Expense Percent (NNEP)	3.78%	4.98%	5.87%
Return On Investment Capital (ROIC_SIMPLE)	5.51%	1.65%	5.82%
Cost of Revenue to Revenue	29.54%	35.98%	26.82%
SG&A Expenses to Revenue	5.25%	6.53%	5.09%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	40.89%	51.50%	42.70%
Earnings before Interest and Taxes (EBIT)	285	99	339
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	311	127	360
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.07	0.88	0.73
Price to Tangible Book Value (P/TBV)	1.66	1.40	1.12
Price to Revenue (P/Rev)	1.36	1.28	0.74
Price to Earnings (P/E)	11.24	0.00	11.67
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	8.90%	0.00%	8.57%
Enterprise Value to Invested Capital (EV/IC)	1.02	0.97	0.93
Enterprise Value to Revenue (EV/Rev)	4.10	5.01	3.86
Enterprise Value to EBITDA (EV/EBITDA)	12.74	31.72	11.94
Enterprise Value to EBIT (EV/EBIT)	13.87	40.65	12.70
Enterprise Value to NOPAT (EV/NOPAT)	18.17	57.12	15.67
Enterprise Value to Operating Cash Flow (EV/OCF)	183.38	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	10.45	0.00	0.00
Leverage & Solvency	-	-	-
Debt to Equity	2.07	2.44	2.95
Long-Term Debt to Equity	1.99	2.35	2.82
Financial Leverage	2.03	2.18	2.61
Leverage Ratio	3.27	3.44	3.89
Compound Leverage Factor	1.77	-2.89	1.26
Debt to Total Capital	67.46%	70.97%	74.71%
Short-Term Debt to Total Capital	2.86%	2.71%	3.46%
Long-Term Debt to Total Capital	64.60%	68.26%	71.25%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	1.49%	1.69%	1.24%
Common Equity to Total Capital	31.05%	27.34%	24.05%
Debt to EBITDA	8.58	23.92	9.79
Net Debt to EBITDA	8.31	23.03	9.50
Long-Term Debt to EBITDA	8.22	23.01	9.34
Debt to NOPAT	12.24	43.07	12.84
Net Debt to NOPAT	11.86	41.47	12.46
Long-Term Debt to NOPAT	11.72	41.43	12.25
Altman Z-Score	2.15	1.82	1.98
Noncontrolling Interest Sharing Ratio	3.74%	5.20%	5.38%
Liquidity Ratios	-	-	-
Current Ratio	11.69	12.48	11.93
Quick Ratio	11.58	12.38	11.87
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	379	-216	-183
Operating Cash Flow to CapEx	162.95%	-3,378.42%	-2,338.54%
Free Cash Flow to Firm to Interest Expense	2.90	-1.19	-0.80
Operating Cash Flow to Interest Expense	0.17	-0.54	-0.41
Operating Cash Flow Less CapEx to Interest Expense	0.06	-0.55	-0.43
Efficiency Ratios	-	-	-
Asset Turnover	0.23	0.18	0.24
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	18.21	18.22	33.80
Accounts Payable Turnover	51.22	3.97	2.14
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	7.13	91.98	170.61
Cash Conversion Cycle (CCC)	-7.13	-91.98	-170.61
Capital & Investment Metrics	-	-	-
Invested Capital	3,871	4,157	4,614
Invested Capital Turnover	0.24	0.20	0.25
Increase / (Decrease) in Invested Capital	-161	286	457
Enterprise Value (EV)	3,960	4,018	4,303
Market Capitalization	1,317	1,028	824
Book Value per Share	$31.50	$29.74	$28.79
Tangible Book Value per Share	$20.31	$18.74	$18.74
Total Capital	3,954	4,269	4,720
Total Debt	2,667	3,030	3,526
Total Long-Term Debt	2,554	2,914	3,363
Net Debt	2,584	2,917	3,421
Capital Expenditures (CapEx)	13	2.89	4.05
Debt-free, Cash-free Net Working Capital (DFCFNWC)	3,148	3,496	3,966
Debt-free Net Working Capital (DFNWC)	3,231	3,608	4,072
Net Working Capital (NWC)	3,118	3,492	3,909
Net Nonoperating Expense (NNE)	100	137	186
Net Nonoperating Obligations (NNO)	2,584	2,917	3,421
Total Depreciation and Amortization (D&A)	25	28	21
Debt-free, Cash-free Net Working Capital to Revenue	325.70%	435.55%	355.85%
Debt-free Net Working Capital to Revenue	334.33%	449.57%	365.35%
Net Working Capital to Revenue	322.64%	435.17%	350.69%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$2.96	($2.13)	$1.79
Adjusted Weighted Average Basic Shares Outstanding	39.64M	39.18M	39.38M
Adjusted Diluted Earnings per Share	$2.94	($2.13)	$1.79
Adjusted Weighted Average Diluted Shares Outstanding	39.89M	39.18M	39.54M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	38.98M	39.25M	39.51M
Normalized Net Operating Profit after Tax (NOPAT)	306	159	421
Normalized NOPAT Margin	31.63%	19.86%	37.79%
Pre Tax Income Margin	16.01%	-10.33%	9.83%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	2.18	0.54	1.48
NOPAT to Interest Expense	1.67	0.39	1.20
EBIT Less CapEx to Interest Expense	2.08	0.53	1.46
NOPAT Less CapEx to Interest Expense	1.57	0.37	1.18
Payout Ratios	-	-	-
Dividend Payout Ratio	5.67%	-15.19%	21.78%
Augmented Payout Ratio	100.05%	-15.19%	21.78%

This table displays calculated financial ratios and metrics derived from PRA Group's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-7.16%	-13.27%	-35.38%	-18.98%	-11.59%	-0.64%	64.40%	35.84%	30.05%	32.43%
EBITDA Growth	-9.43%	-25.61%	-136.55%	-43.40%	-30.34%	-23.84%	352.31%	82.34%	78.18%	99.63%
EBIT Growth	-10.38%	-27.69%	-148.35%	-46.09%	-39.03%	-24.88%	293.62%	94.86%	107.17%	112.27%
NOPAT Growth	-12.84%	-30.73%	-137.05%	-68.60%	-40.09%	-24.35%	334.35%	243.28%	205.71%	101.49%
Net Income Growth	-25.87%	-53.12%	-255.71%	-97.04%	-129.99%	-134.35%	121.80%	2,065.00%	454.83%	488.81%
EPS Growth	-17.11%	-45.57%	-254.64%	-110.99%	-149.21%	-151.16%	106.00%	640.00%	322.58%	313.64%
Operating Cash Flow Growth	130.39%	-46.39%	-108.94%	-75.17%	-197.61%	-17.07%	-53.61%	11.49%	6.40%	107.02%
Free Cash Flow Firm Growth	-191.42%	39.89%	97.45%	270.00%	90.62%	-225.05%	-20.62%	-210.30%	-34.97%	-54.67%
Invested Capital Growth	0.00%	-4.00%	1.00%	0.00%	10.08%	7.39%	3.27%	0.00%	13.64%	11.00%
Revenue Q/Q Growth	-5.21%	-8.97%	-30.24%	34.58%	3.44%	2.30%	15.43%	11.21%	-0.97%	4.18%
EBITDA Q/Q Growth	-15.57%	-15.28%	-143.34%	282.60%	3.90%	-7.38%	43.59%	31.96%	1.53%	3.77%
EBIT Q/Q Growth	-16.69%	-16.65%	-158.21%	233.40%	-5.79%	2.69%	50.03%	34.26%	0.16%	5.22%
NOPAT Q/Q Growth	-18.17%	-16.25%	-155.90%	181.96%	56.10%	5.77%	73.18%	20.06%	39.02%	-30.29%
Net Income Q/Q Growth	-30.54%	-37.23%	-415.92%	102.15%	-802.67%	28.11%	300.56%	113.68%	15.16%	-21.22%
EPS Q/Q Growth	-30.77%	-31.75%	-448.84%	93.33%	-210.00%	29.03%	140.91%	500.00%	27.78%	-31.88%
Operating Cash Flow Q/Q Growth	301.63%	-34.80%	-290.04%	29.89%	-12.35%	155.40%	-452.02%	59.60%	-18.81%	222.53%
Free Cash Flow Firm Q/Q Growth	-58.92%	105.65%	-131.13%	6,184.98%	-108.77%	24.71%	69.98%	-5,464.15%	89.27%	13.72%
Invested Capital Q/Q Growth	-4.73%	6.05%	3.94%	-100.00%	0.00%	3.46%	-0.05%	3.82%	5.85%	1.07%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	71.25%	68.62%	47.00%	68.56%	67.88%	67.90%	71.20%	73.88%	72.96%	74.44%
EBITDA Margin	31.46%	29.27%	-18.19%	24.67%	24.78%	22.44%	27.91%	33.12%	33.96%	33.82%
Operating Margin	28.92%	26.61%	-21.64%	21.77%	19.89%	20.56%	25.98%	31.39%	31.97%	32.10%
EBIT Margin	28.88%	26.45%	-22.06%	21.87%	19.92%	19.99%	25.99%	31.37%	31.73%	32.05%
Profit (Net Income) Margin	11.10%	7.66%	-34.67%	0.55%	-3.77%	-2.65%	4.60%	8.84%	10.28%	7.77%
Tax Burden Percent	71.06%	71.03%	74.26%	42.37%	128.10%	87.78%	83.12%	74.27%	102.38%	68.22%
Interest Burden Percent	54.10%	40.76%	211.60%	5.98%	-14.76%	-15.08%	21.29%	37.92%	31.63%	35.54%
Effective Tax Rate	28.94%	28.97%	0.00%	57.63%	0.00%	0.00%	16.88%	25.73%	-2.38%	31.78%
Return on Invested Capital (ROIC)	11.27%	4.62%	-3.34%	0.00%	2.92%	2.88%	4.77%	10.57%	7.95%	5.57%
ROIC Less NNEP Spread (ROIC-NNEP)	9.39%	3.68%	-4.46%	0.00%	1.47%	1.51%	3.25%	7.92%	5.88%	4.26%
Return on Net Nonoperating Assets (RNNOA)	19.59%	7.45%	-9.34%	0.00%	3.29%	3.28%	7.67%	20.48%	14.55%	11.09%
Return on Equity (ROE)	30.86%	12.07%	-12.67%	0.00%	6.21%	6.16%	12.44%	31.04%	22.50%	16.66%
Cash Return on Invested Capital (CROIC)	-187.09%	9.59%	2.09%	0.00%	-7.51%	-5.38%	-4.62%	-192.59%	-6.92%	-4.17%
Operating Return on Assets (OROA)	7.42%	5.98%	-4.53%	0.00%	3.89%	3.69%	5.33%	6.58%	7.14%	7.55%
Return on Assets (ROA)	2.85%	1.73%	-7.12%	0.00%	-0.74%	-0.49%	0.94%	1.85%	2.31%	1.83%
Return on Common Equity (ROCE)	29.52%	11.62%	-12.11%	0.00%	5.88%	5.84%	11.72%	29.55%	21.25%	15.76%
Return on Equity Simple (ROE_SIMPLE)	12.14%	0.00%	2.53%	0.00%	-3.93%	0.00%	-0.10%	2.00%	4.92%	0.00%
Net Operating Profit after Tax (NOPAT)	50	42	-24	19	30	32	55	66	92	64
NOPAT Margin	20.55%	18.90%	-15.15%	9.23%	13.92%	14.39%	21.59%	23.31%	32.73%	21.90%
Net Nonoperating Expense Percent (NNEP)	1.87%	0.95%	1.12%	0.00%	1.45%	1.37%	1.51%	2.65%	2.07%	1.31%
Return On Investment Capital (ROIC_SIMPLE)	-	1.07%	-	-	-	0.75%	-	-	-	1.36%
Cost of Revenue to Revenue	28.75%	31.38%	53.00%	31.44%	32.12%	32.10%	28.80%	26.12%	27.04%	25.56%
SG&A Expenses to Revenue	5.37%	5.79%	8.39%	6.19%	5.71%	6.34%	4.92%	5.01%	4.96%	5.45%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	42.33%	42.01%	68.64%	46.78%	47.99%	47.34%	45.23%	42.49%	41.00%	42.33%
Earnings before Interest and Taxes (EBIT)	71	59	-34	46	43	44	66	89	89	94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	77	65	-28	52	54	50	71	94	96	99
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.13	1.07	1.30	0.00	0.68	0.88	0.91	0.68	0.72	0.73
Price to Tangible Book Value (P/TBV)	1.76	1.66	2.02	0.00	1.07	1.40	1.43	1.06	1.11	1.12
Price to Revenue (P/Rev)	1.28	1.36	1.72	1.08	0.94	1.28	1.13	0.79	0.85	0.74
Price to Earnings (P/E)	9.45	11.24	81.89	0.00	0.00	0.00	0.00	196.01	20.33	11.67
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	10.58%	8.90%	1.22%	0.00%	0.00%	0.00%	0.00%	0.51%	4.92%	8.57%
Enterprise Value to Invested Capital (EV/IC)	1.04	1.02	1.09	0.00	0.91	0.97	0.97	0.91	0.93	0.93
Enterprise Value to Revenue (EV/Rev)	3.80	4.10	4.97	0.00	4.55	5.01	4.49	4.03	4.05	3.86
Enterprise Value to EBITDA (EV/EBITDA)	11.40	12.74	21.33	0.00	25.70	31.72	17.89	14.66	13.61	11.94
Enterprise Value to EBIT (EV/EBIT)	12.33	13.87	24.28	0.00	32.21	40.65	20.29	16.22	14.62	12.70
Enterprise Value to NOPAT (EV/NOPAT)	16.13	18.17	35.43	0.00	45.70	57.12	0.00	24.66	16.85	15.67
Enterprise Value to Operating Cash Flow (EV/OCF)	87.89	183.38	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	10.45	52.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.14	2.07	2.34	0.00	2.46	2.44	2.56	2.68	2.67	2.95
Long-Term Debt to Equity	2.06	1.99	2.25	0.00	2.38	2.35	2.47	2.59	2.57	2.82
Financial Leverage	2.09	2.03	2.10	0.00	2.23	2.18	2.36	2.58	2.47	2.61
Leverage Ratio	3.29	3.27	3.32	0.00	3.47	3.44	3.61	3.87	3.75	3.89
Compound Leverage Factor	1.78	1.33	7.02	0.00	-0.51	-0.52	0.77	1.47	1.19	1.38
Debt to Total Capital	68.10%	67.46%	70.02%	0.00%	71.14%	70.97%	71.93%	72.85%	72.77%	74.71%
Short-Term Debt to Total Capital	2.38%	2.86%	2.40%	0.00%	2.44%	2.71%	2.66%	2.59%	2.73%	3.46%
Long-Term Debt to Total Capital	65.73%	64.60%	67.61%	0.00%	68.70%	68.26%	69.28%	70.26%	70.03%	71.25%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	1.38%	1.49%	1.79%	0.00%	1.80%	1.69%	1.57%	1.30%	1.34%	1.24%
Common Equity to Total Capital	30.51%	31.05%	28.19%	0.00%	27.06%	27.34%	26.49%	25.85%	25.90%	24.05%
Debt to EBITDA	7.58	8.58	14.11	0.00	20.62	23.92	13.55	12.01	11.02	9.79
Net Debt to EBITDA	7.40	8.31	13.57	0.00	19.88	23.03	13.07	11.57	10.57	9.50
Long-Term Debt to EBITDA	7.31	8.22	13.62	0.00	19.91	23.01	13.05	11.58	10.61	9.34
Debt to NOPAT	10.72	12.24	23.44	0.00	36.66	43.07	-53.45	20.20	13.65	12.84
Net Debt to NOPAT	10.47	11.86	22.53	0.00	35.35	41.47	-51.56	19.46	13.09	12.46
Long-Term Debt to NOPAT	10.35	11.72	22.63	0.00	35.41	41.43	-51.47	19.48	13.14	12.25
Altman Z-Score	1.12	1.98	0.93	0.00	0.82	1.78	1.85	1.81	1.81	1.82
Noncontrolling Interest Sharing Ratio	4.33%	3.74%	4.44%	0.00%	5.29%	5.20%	5.79%	4.80%	5.56%	5.38%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.42	11.69	0.55	0.00	0.59	12.48	14.18	14.21	14.47	11.93
Quick Ratio	0.26	11.58	0.42	0.00	0.43	12.38	14.06	14.08	14.35	11.87
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-3,599	203	-63	3,850	-338	-254	-76	-4,247	-456	-393
Operating Cash Flow to CapEx	1,542.64%	979.48%	-11,733.58%	-4,856.85%	-3,080.91%	3,569.19%	-14,747.27%	-2,205.61%	-3,339.94%	3,688.14%
Free Cash Flow to Firm to Interest Expense	-110.91	5.82	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	1.18	0.72	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	1.11	0.64	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.26	0.23	0.21	0.00	0.20	0.18	0.21	0.21	0.23	0.24
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	19.22	18.21	17.58	0.00	17.74	18.22	22.59	29.78	29.62	33.80
Accounts Payable Turnover	47.07	51.22	46.81	0.00	46.74	3.97	32.63	28.28	41.16	2.14
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	7.75	7.13	7.80	0.00	7.81	91.98	11.19	12.91	8.87	170.61
Cash Conversion Cycle (CCC)	-7.75	-7.13	-7.80	0.00	-7.81	-91.98	-11.19	-12.91	-8.87	-170.61
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,650	3,871	4,023	0.00	4,018	4,157	4,155	4,313	4,565	4,614
Invested Capital Turnover	0.55	0.24	0.22	0.00	0.21	0.20	0.22	0.45	0.24	0.25
Increase / (Decrease) in Invested Capital	3,650	-161	40	-3,831	368	286	132	4,313	548	457
Enterprise Value (EV)	3,799	3,960	4,376	0.00	3,656	4,018	4,049	3,941	4,228	4,303
Market Capitalization	1,281	1,317	1,519	895	754	1,028	1,024	774	881	824
Book Value per Share	$29.03	$31.50	$29.90	$0.00	$28.43	$29.74	$28.77	$29.11	$30.92	$28.79
Tangible Book Value per Share	$18.65	$20.31	$19.26	$0.00	$17.92	$18.74	$18.28	$18.55	$20.19	$18.74
Total Capital	3,708	3,954	4,134	0.00	4,123	4,269	4,263	4,432	4,707	4,720
Total Debt	2,525	2,667	2,895	0.00	2,933	3,030	3,066	3,229	3,425	3,526
Total Long-Term Debt	2,437	2,554	2,795	0.00	2,832	2,914	2,953	3,114	3,296	3,363
Net Debt	2,467	2,584	2,783	0.00	2,828	2,917	2,958	3,110	3,284	3,421
Capital Expenditures (CapEx)	2.49	2.55	0.41	0.69	1.22	0.58	0.50	1.34	1.05	1.16
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-102	3,148	-132	0.00	-103	3,496	3,528	3,690	3,933	3,966
Debt-free Net Working Capital (DFNWC)	-44	3,231	-20	0.00	2.45	3,608	3,636	3,809	4,075	4,072
Net Working Capital (NWC)	-132	3,118	-120	0.00	-98	3,492	3,523	3,694	3,946	3,909
Net Nonoperating Expense (NNE)	23	25	30	18	38	38	43	41	63	41
Net Nonoperating Obligations (NNO)	2,467	2,584	2,783	0.00	2,828	2,917	2,958	3,110	3,284	3,421
Total Depreciation and Amortization (D&A)	6.30	6.30	6.03	5.87	11	5.41	4.92	4.97	6.26	5.21
Debt-free, Cash-free Net Working Capital to Revenue	-10.19%	325.70%	-14.94%	0.00%	-12.78%	435.55%	390.86%	377.46%	377.23%	355.85%
Debt-free Net Working Capital to Revenue	-4.39%	334.33%	-2.30%	0.00%	0.31%	449.57%	402.83%	389.62%	390.77%	365.35%
Net Working Capital to Revenue	-13.20%	322.64%	-13.57%	0.00%	-12.20%	435.17%	390.29%	377.85%	378.43%	350.69%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.63	$0.43	$0.00	$0.00	($0.31)	($0.22)	$0.09	$0.55	$0.69	$0.46
Adjusted Weighted Average Basic Shares Outstanding	39.02M	39.64M	0.00	0.00	39.24M	39.18M	39.27M	39.36M	39.42M	39.38M
Adjusted Diluted Earnings per Share	$0.63	$0.43	$0.00	$0.00	($0.31)	($0.22)	$0.09	$0.54	$0.69	$0.47
Adjusted Weighted Average Diluted Shares Outstanding	39.17M	39.89M	0.00	0.00	39.24M	39.18M	39.45M	39.55M	39.49M	39.54M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	38.98M	38.98M	0.00	0.00	39.24M	39.25M	39.35M	39.42M	39.43M	39.51M
Normalized Net Operating Profit after Tax (NOPAT)	73	62	-0.60	54	55	55	87	103	93	99
Normalized NOPAT Margin	29.94%	27.87%	-0.39%	25.64%	25.45%	24.75%	34.21%	36.13%	33.13%	33.60%
Pre Tax Income Margin	15.63%	10.78%	-46.69%	1.31%	-2.94%	-3.02%	5.53%	11.90%	10.04%	11.39%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.18	1.69	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	1.55	1.21	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	2.10	1.61	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	1.47	1.13	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	4.06%	5.67%	0.00%	-51.42%	-10.11%	-15.19%	-1,955.56%	115.42%	43.04%	21.78%
Augmented Payout Ratio	177.66%	100.05%	0.00%	-51.42%	-10.11%	-15.19%	-1,955.56%	115.42%	43.04%	21.78%

Frequently Asked Questions About PRA Group's Financials

When does PRA Group's fiscal year end?

According to the most recent income statement we have on file, PRA Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has PRA Group's net income changed over the last 2 years?

PRA Group's net income appears to be on a downward trend, with a most recent value of $88.57 million in 2024, falling from $118.00 million in 2022. The previous period was -$66.75 million in 2023.

What is PRA Group's operating income?

PRA Group's total operating income in 2024 was $339.73 million, based on the following breakdown:

Total Gross Profit: $815.62 million
Total Operating Expenses: $475.89 million

How has PRA Group revenue changed over the last 2 years?

Over the last 2 years, PRA Group's total revenue changed from $966.52 million in 2022 to $1.11 billion in 2024, a change of 15.3%.

How much debt does PRA Group have?

PRA Group's total liabilities were at $3.74 billion at the end of 2024, a 13.7% increase from 2023, and a 29.4% increase since 2022.

How much cash does PRA Group have?

In the past 2 years, PRA Group's cash and equivalents has ranged from $83.38 million in 2022 to $112.53 million in 2023, and is currently $105.94 million as of their latest financial filing in 2024.

How has PRA Group's book value per share changed over the last 2 years?

Over the last 2 years, PRA Group's book value per share changed from 31.50 in 2022 to 28.79 in 2024, a change of -8.6%.

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This page (NASDAQ:PRAA) was last updated on 4/15/2025 by MarketBeat.com Staff

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PRA Group (PRAA) Financials

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PRA Group (PRAA) Financials

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