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Complete financial analysis of PRA Group, Inc. (PRAA) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of PRA Group, Inc., a leading company in the Financial – Credit Services industry within the Financial Services sector.
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PRA Group, Inc. (PRAA)
About PRA Group, Inc.
PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 815.50M | 968.75M | 1.10B | 1.07B | 995.30M | 877.96M | 821.92M | 832.12M | 942.02M | 880.97M | 735.14M | 592.80M | 458.94M | 372.71M | 281.09M | 263.28M | 220.75M | 188.32M | 148.53M | 113.40M | 84.93M | 55.85M | 32.34M | 19.33M |
| Cost of Revenue | 310.84M | 356.65M | 378.74M | 436.86M | 310.44M | 319.40M | 344.69M | 258.85M | 268.35M | 234.53M | 192.47M | 168.36M | 138.20M | 124.08M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 504.66M | 612.11M | 718.08M | 628.55M | 684.86M | 558.56M | 477.23M | 573.28M | 673.67M | 646.44M | 542.66M | 424.45M | 320.73M | 248.63M | 281.09M | 263.28M | 220.75M | 188.32M | 148.53M | 113.40M | 84.93M | 55.85M | 32.34M | 19.33M |
| Gross Profit Ratio | 61.88% | 63.19% | 65.47% | 59.00% | 68.81% | 63.62% | 58.06% | 68.89% | 71.51% | 73.38% | 73.82% | 71.60% | 69.89% | 66.71% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.16 | 0.23 | 0.20 | 0.12 | 0.10 | 0.19 | 0.16 | 0.00 | 0.00 | 1.50M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 324.95M | 173.00M | 186.67M | 214.17M | 251.33M | 208.06M | 167.35M | 181.68M | 177.28M | 183.76M | 161.02M | 139.44M | 89.05M | 71.47M | 182.47M | 164.04M | 128.13M | 58.14M | 44.33M | 36.62M | 28.99M | 21.70M | 0.00 | 0.00 |
| Selling & Marketing | 306.10M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 631.05M | 173.00M | 186.67M | 214.17M | 251.33M | 208.06M | 167.35M | 181.68M | 177.28M | 183.76M | 161.02M | 139.44M | 89.05M | 71.47M | 182.47M | 164.04M | 128.13M | 58.14M | 44.33M | 36.62M | 28.99M | 21.70M | 0.00 | 0.00 |
| Other Expenses | 71.01M | -1.33M | 282.00K | -1.05M | -364.00K | -316.00K | -2.79M | -5.82M | -385.00M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 702.06M | 395.19M | 418.76M | 420.56M | 434.93M | 370.17M | 329.54M | 353.53M | 363.33M | 304.37M | 238.74M | 208.39M | 143.87M | 118.77M | 200.48M | 178.44M | 139.56M | 116.32M | 88.92M | 68.51M | 50.47M | 34.88M | 23.57M | 15.03M |
| Cost & Expenses | 715.01M | 751.83M | 797.50M | 857.43M | 745.37M | 689.57M | 674.23M | 612.37M | 631.67M | 538.90M | 431.21M | 376.75M | 282.07M | 242.84M | 200.48M | 178.44M | 139.56M | 116.32M | 88.92M | 68.51M | 50.47M | 34.88M | 23.57M | 15.03M |
| Interest Income | -9.22M | 2.23M | 1.09M | 1.02M | 2.25M | 3.13M | 5.61M | 5.05M | 2.08M | 4.00K | 3.00K | 10.00K | 7.00K | 65.00K | 3.00K | 60.00K | 419.00K | 584.09K | 611.49K | 222.72K | 60.17K | 21.55K | 0.00 | 0.00 |
| Interest Expense | 74.76M | 51.70M | 38.96M | 35.50M | 144.17M | 124.21M | 24.45M | 76.57M | 59.55M | 35.23M | 14.47M | 9.04M | 10.57M | 9.05M | 7.91M | 11.15M | 3.70M | 378.55K | 280.50K | 273.36K | 602.07K | 2.45M | 0.00 | 0.00 |
| Depreciation & Amortization | 13.38M | 642.28M | 708.58M | 691.70M | 919.11M | 847.20M | 718.13M | 693.24M | 19.87M | 18.41M | 14.42M | 14.52M | 12.94M | 12.44M | 9.21M | 7.42M | 5.52M | 5.13M | 4.68M | 2.38M | 1.44M | 940.35K | 677.00K | 437.00K |
| EBITDA | 133.54M | 301.05M | 390.25M | 368.17M | 265.15M | 204.58M | 233.50M | 244.11M | 429.82M | 360.48M | 311.95M | 221.54M | 179.24M | 133.25M | 81.91M | 81.11M | 87.12M | 77.13M | 64.28M | 47.27M | 35.90M | 21.90M | 9.44M | 4.74M |
| EBITDA Ratio | 16.38% | 22.79% | 27.84% | 21.07% | 26.83% | 23.62% | 18.87% | 28.27% | 35.03% | 40.92% | 43.30% | 38.90% | 41.36% | 38.20% | 31.96% | 35.07% | 39.47% | 40.96% | 43.28% | 41.69% | 42.27% | 39.22% | 29.20% | 24.53% |
| Operating Income | 100.49M | 285.80M | 375.00M | 349.70M | 247.69M | 185.26M | 213.73M | 219.75M | 310.34M | 342.07M | 297.53M | 216.06M | 178.03M | 129.86M | 80.61M | 84.84M | 81.18M | 72.00M | 59.60M | 44.89M | 34.45M | 20.96M | 8.77M | 4.31M |
| Operating Income Ratio | 12.32% | 29.50% | 34.19% | 32.82% | 24.89% | 21.10% | 26.00% | 26.41% | 32.94% | 38.83% | 40.47% | 36.45% | 38.79% | 34.84% | 28.68% | 32.22% | 36.78% | 38.23% | 40.13% | 39.59% | 40.57% | 37.54% | 27.11% | 22.27% |
| Total Other Income/Expenses | -183.38M | -131.02M | -124.67M | -140.76M | -130.33M | -95.76M | -53.46M | -84.12M | -52.82M | -41.06M | -14.46M | -9.02M | -10.56M | -8.99M | -7.91M | -11.09M | -3.29M | 205.55K | 330.99K | -50.64K | -541.90K | -2.43M | -3.14M | -1.77M |
| Income Before Tax | -82.89M | 154.79M | 250.33M | 208.95M | 117.36M | 89.50M | 160.27M | 135.63M | 257.52M | 301.01M | 283.07M | 207.03M | 167.46M | 120.88M | 72.70M | 73.75M | 77.90M | 72.21M | 59.93M | 44.84M | 33.91M | 18.54M | 5.63M | 2.54M |
| Income Before Tax Ratio | -10.16% | 15.98% | 22.82% | 19.61% | 11.79% | 10.19% | 19.50% | 16.30% | 27.34% | 34.17% | 38.51% | 34.92% | 36.49% | 32.43% | 25.86% | 28.01% | 35.29% | 38.34% | 40.35% | 39.54% | 39.93% | 33.19% | 17.40% | 13.14% |
| Income Tax Expense | -16.13M | 36.79M | 54.82M | 41.20M | 19.68M | 13.76M | -10.85M | 43.58M | 89.39M | 124.51M | 106.15M | 80.93M | 66.32M | 47.00M | 28.40M | 28.38M | 29.66M | 27.72M | 23.16M | 17.39M | 13.20M | 1.47M | 0.00 | 0.00 |
| Net Income | -83.48M | 117.15M | 183.16M | 149.34M | 86.16M | 65.56M | 164.32M | 86.26M | 167.93M | 176.51M | 175.31M | 126.59M | 100.79M | 73.45M | 44.31M | 45.36M | 48.24M | 44.49M | 36.77M | 27.45M | 20.71M | 17.07M | 5.63M | 2.54M |
| Net Income Ratio | -10.24% | 12.09% | 16.70% | 14.02% | 8.66% | 7.47% | 19.99% | 10.37% | 17.83% | 20.04% | 23.85% | 21.36% | 21.96% | 19.71% | 15.76% | 17.23% | 21.85% | 23.62% | 24.76% | 24.21% | 24.39% | 30.56% | 17.40% | 13.14% |
| EPS | -2.13 | 2.96 | 4.07 | 3.28 | 1.90 | 1.45 | 3.55 | 1.84 | 3.49 | 3.53 | 3.48 | 2.48 | 1.96 | 1.46 | 0.96 | 0.99 | 1.03 | 0.93 | 0.78 | 0.60 | 0.47 | 0.36 | 0.12 | 0.05 |
| EPS Diluted | -2.13 | 2.94 | 4.04 | 3.26 | 1.89 | 1.44 | 3.54 | 1.83 | 3.47 | 3.50 | 3.45 | 2.46 | 1.95 | 1.45 | 0.96 | 0.99 | 1.02 | 0.92 | 0.76 | 0.58 | 0.44 | 0.31 | 0.10 | 0.05 |
| Weighted Avg Shares Out | 39.18M | 39.64M | 44.96M | 45.54M | 45.39M | 45.28M | 45.67M | 46.32M | 48.13M | 49.99M | 50.37M | 50.99M | 51.33M | 50.46M | 46.26M | 45.69M | 46.94M | 47.73M | 46.93M | 46.07M | 43.64M | 31.59M | 30.00M | 30.00M |
| Weighted Avg Shares Out (Dil) | 39.18M | 39.89M | 45.33M | 45.86M | 45.58M | 45.41M | 45.82M | 46.39M | 48.41M | 50.42M | 50.87M | 51.37M | 51.69M | 50.66M | 46.36M | 45.88M | 47.34M | 48.25M | 48.45M | 47.56M | 47.14M | 36.20M | 34.37M | 34.10M |
PRA Group: Portfolio Investments Rapidly Increasing, Hold
PRA Group has seen a rapid increase in its portfolio investments, with an additional $328 million invested in the last quarter. The company's operating expenses have decreased by 6% YoY, showing positive progress in reducing costs. PRAA's bottom line has...
Why Is PRA Group (PRAA) Down 10.9% Since Last Earnings Report?
PRA Group (PRAA) reported earnings 30 days ago. What's next for the stock?
PRA Group Announces Chief Financial Officer Transition
Pete Graham to depart as CFO; Rakesh Sehgal appointed EVP and CFO NORFOLK, Va. , Aug. 24, 2023 /PRNewswire/ -- PRA Group, Inc. (Nasdaq: PRAA) (the "Company"), a global leader in acquiring and collecting nonperforming loans, announced today that Pete...
3 Stocks You'll Love to Own, But Hate To Encounter
What does getting a speed camera ticket, having your car towed and being harassed by debt collectors all have in common? Yes, they are miserable experiences that you hate to encounter.
PRA Group (PRAA) Q2 Loss Relieved by Lower Operating Costs
PRA Group (PRAA) expects compensation expenses to be in the mid-$70 million range in the third quarter.
PRA Group, Inc. (PRAA) Q2 2023 Earnings Call Transcript
PRA Group, Inc. (NASDAQ:PRAA ) Q2 2023 Earnings Conference Call August 7, 2023 5:00 PM ET Company Participants Najim Mostamand - Vice President, Investor Relations Vikram Atal - President and Chief Executive Officer Pete Graham - Executive Vice President and...
PRA Group (PRAA) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
While the top- and bottom-line numbers for PRA Group (PRAA) give a sense of how the business performed in the quarter ended June 2023, it could be worth looking at how some of its key metrics compare to Wall Street...
PRA Group (PRAA) Reports Q2 Loss, Tops Revenue Estimates
PRA Group (PRAA) came out with a quarterly loss of $0.10 per share versus the Zacks Consensus Estimate of a loss of $0.16. This compares to earnings of $0.91 per share a year ago.
Will Lower Cash Collection Hurt PRA Group's (PRAA) Q2 Earnings?
PRA Group's (PRAA) second-quarter results are likely to reflect lower portfolio income and operating expenses.
PRA Group to Announce Second Quarter 2023 Results on August 7
NORFOLK, Va. , July 17, 2023 /PRNewswire/ -- PRA Group, Inc. (Nasdaq: PRAA), a global leader in acquiring and collecting nonperforming loans, will report its second quarter 2023 results after market close on Monday, August 7, 2023, followed by a webcast...
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