{ "ok": true, "cik": "1185348", "ticker": "PRAA", "name": "PRA GROUP INC", "filings": [ { "form": "8-K", "filed": "2026-09-23", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1185348/000118534826000030/0001185348-26-000030-index.htm" }, { "form": "10-Q", "filed": "2026-08-07", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1185348/000118534826000028/0001185348-26-000028-index.htm" }, { "form": "8-K", "filed": "2026-08-06", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1185348/000118534826000025/0001185348-26-000025-index.htm" }, { "form": "8-K", "filed": "2026-06-23", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers", "5.07 Submission of Matters to a Vote of Security Holders", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1185348/000118534826000023/0001185348-26-000023-index.htm" }, { "form": "10-Q", "filed": "2026-05-08", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1185348/000118534826000021/0001185348-26-000021-index.htm" }, { "form": "8-K", "filed": "2026-05-07", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1185348/000118534826000019/0001185348-26-000019-index.htm" } ], "events12m": 9, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001185348.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1185348" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets, no buy or sell views.", "edgar": "🫧 Edgar looked up PRA GROUP INC ($PRAA). Last filing: 8-K (5.02 Departure or Election of Directors; Appointment of Officers), 2026-09-23. 9 event filings (8-K) in the past twelve months.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2025-12-31", "revenue": 1201837000, "revenueGrowth1y": 0.07834106757683101, "revenueGrowthPerYear": 0.02337618498229377, "yearsOfData": 5, "operatingMargin": -0.025188939931122107, "operatingMarginPrior": 0.30482250718692466, "netMargin": -0.2538963270393573, "operatingCashFlow": -85541000, "capitalSpending": 4821000, "freeCashFlow": -90362000, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 104409000, "longTermDebt": 3697338000, "longTermDebtChange": 0.11143950573269401, "revenueHistory": [ { "fiscalYearEnd": "2021-12-31", "revenue": 1095732000 }, { "fiscalYearEnd": "2022-12-31", "revenue": 966524000 }, { "fiscalYearEnd": "2023-12-31", "revenue": 802554000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 1114524000 }, { "fiscalYearEnd": "2025-12-31", "revenue": 1201837000 } ], "totalEquity": 979851000, "totalAssets": 5103322000, "equityRatio": 0.19200258184766708, "returnOnEquity": -0.3114167358098323, "dividendsPaid": null, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": -7.79, "sharesOutstanding": 39173000, "bookValuePerShare": 25.013427615959973, "revenuePerShare": 30.680238940086284, "range80": { "low": 971456121.3383205, "high": 1646176551.3390446, "baseline": 1294184577.252106, "n": 4599, "band": "b1", "bandLabel": "$1B–10B", "method": "v4.1", "credibility": 0.5, "growthYears": 4, "ownVolatility": 0.2321589389960868, "classVolatility": 0.07701947805587882, "volatility": 0.17295920466368472 }, "ifPaceHeld": { "low": 971456121.3383205, "high": 1646176551.3390446 } }, "edgarette": "🔖 Exposure: revenue $1.2B (FY2025), total debt $3.7B. Experience: revenue up 7.8% on the year, up 2.3% a year over 4 years; operating margin -2.5%, down from 30.5%. Soundness: equity 19.2% of assets, return on equity -31.1%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $971.5M and $1.6B next year (method v4.1: its own 4-year record of growth weighed at 50% against $1B–10B filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $801.3M to $2.0B. A range, not a forecast. Against peers (8 filers, $50M+ revenue, its industry group): growth 7.8% against 6.7%.", "peers": { "sic": 6153, "sicDescription": "Short-Term Business Credit Institutions", "calendarYear": 2025, "minRevenue": 50000000, "depth": 3, "group": "615", "growth": [ 0.0672, 8 ] }, "summary": "Pra Group (PRAA) grew revenue 7.8% in FY2025 to $1.2 billion, operating margin -2.5%, equity 19.2% of assets. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
PRA GROUP INC against its own record and its peers
Operating margin-2.5%Revenue, on the yearPeer median 6.7%7.8%Equity of assets19.2%Return on equity-31.1%No peer group large enough for a median
", "chartHorizon": null, "backtest": { "tests": 14, "hits": 12, "rate": 0.8571428571428571, "method": "v4", "byYear": { "2012": [ 1, 1 ], "2013": [ 1, 1 ], "2014": [ 1, 1 ], "2015": [ 1, 1 ], "2016": [ 1, 1 ], "2017": [ 1, 1 ], "2018": [ 1, 1 ], "2019": [ 1, 1 ], "2020": [ 1, 1 ], "2021": [ 1, 1 ], "2022": [ 0, 1 ], "2023": [ 1, 1 ], "2024": [ 0, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-24T14:19:14.349Z", "hash": "4946dd54fc1e6e90", "status": "open" }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "Pra Group (PRAA) grew revenue 7.8% in FY2025 to $1.2 billion, operating margin -2.5%, equity 19.2% of assets. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-12-31", "revenue": 1201837000, "totalDebt": 3697338000, "cash": 104409000 }, "experience": { "revenueGrowth1y": 0.07834106757683101, "revenueGrowthPerYear": 0.02337618498229377, "operatingMargin": -0.025188939931122107, "operatingMarginPrior": 0.30482250718692466, "netMargin": -0.2538963270393573, "freeCashFlow": -90362000 }, "soundness": { "equityRatio": 0.19200258184766708, "returnOnEquity": -0.3114167358098323, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 6153, "sicDescription": "Short-Term Business Credit Institutions", "calendarYear": 2025, "minRevenue": 50000000, "depth": 3, "group": "615", "growth": [ 0.0672, 8 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "range": { "low": 971456121.3383205, "high": 1646176551.3390446, "baseline": 1294184577.252106, "coverage": 0.8, "method": "v4.1", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); width = the company's own volatility of yearly growth, credibility-weighted against its size class (Buhlmann), scaled to the 80% target on 2023 and tested on 2024", "calibratedOn": { "companyYears": 4599, "sizeBand": "$1B–10B", "fitYears": [ 2018, 2022 ], "tuneYear": 2023, "testYear": 2024, "coverageOnTestYear": 0.8341 }, "credibility": { "weightOnOwnRecord": 0.5, "growthYears": 4, "ownVolatility": 0.2321589389960868, "classVolatility": 0.07701947805587882, "pricedVolatility": 0.17295920466368472, "k": 3 }, "stress": { "low": 801255558.3161675, "high": 1996224236.091341, "basis": "the same range with widths set to hold 80% across 2018-2023, pandemic years included" }, "kind": "a calibrated range, not a forecast; no view on the share price", "track": { "backtest": { "tests": 14, "hits": 12, "rate": 0.8571428571428571, "method": "v4", "byYear": { "2012": [ 1, 1 ], "2013": [ 1, 1 ], "2014": [ 1, 1 ], "2015": [ 1, 1 ], "2016": [ 1, 1 ], "2017": [ 1, 1 ], "2018": [ 1, 1 ], "2019": [ 1, 1 ], "2020": [ 1, 1 ], "2021": [ 1, 1 ], "2022": [ 0, 1 ], "2023": [ 1, 1 ], "2024": [ 0, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-24T14:19:14.349Z", "hash": "4946dd54fc1e6e90", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001185348.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1185348" } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same if-the-pace-held arithmetic applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so." } }