# PRA GROUP INC (PRAA) · Edgar & Edgarette company card

> 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.

SEC CIK 1185348 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/PRAA) · [JSON](https://www.pops4.com/boards/company/PRAA.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $1.2B |
| Revenue growth, 1 year | 7.8% |
| Revenue growth per year | 2.3% |
| Operating margin | -2.5% (prior year 30.5%) |
| Net margin | -25.4% |
| Operating cash flow | −$86M |
| Capital spending | $5M |
| Free cash flow | −$90M |
| Cash | $104M |
| Long-term debt | $3.7B |
| Total assets | $5.1B |
| Total equity | $980M |
| Equity ÷ assets | 19.2% |
| Return on equity | -31.1% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Piotroski F: 4 of 9 (middling)
- Health Harbor boat: Old boat · three warning signs · operating cash flow was negative; operating loss: a margin of -2.5% in FY2025; revenue is hard to predict: its 80% range is ±26%
- Cash Compass: Fast, cash not yet · growing fast, but little cash arriving so far

## Edgarette's reading

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; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $801.3M to $2.0B. A statistical range, not company guidance. Against peers (8 filers, $50M+ revenue, its industry group): growth 7.8% against 6.7%.

Range logged 2026-09-24, receipt 4946dd54fc1e6e90, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 2, latest 2026-09-23 ([filing](https://www.sec.gov/Archives/edgar/data/1185348/000118534826000030/0001185348-26-000030-index.htm))

## Recent filings

- 8-K · filed 2026-11-05 · 2.02 Results of Operations and Financial Condition; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1185348/000118534826000033/0001185348-26-000033-index.htm)
- 8-K · filed 2026-10-08 · 1.01 Entry into a Material Definitive Agreement; 2.03 Creation of a Direct Financial Obligation; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1185348/000119312526417167/0001193125-26-417167-index.htm)
- 8-K · filed 2026-09-29 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1185348/000119312526407840/0001193125-26-407840-index.htm)
- 8-K · filed 2026-09-29 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1185348/000119312526406082/0001193125-26-406082-index.htm)
- 8-K · filed 2026-09-23 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1185348/000118534826000030/0001185348-26-000030-index.htm)
- 10-Q · filed 2026-08-07 · [filing](https://www.sec.gov/Archives/edgar/data/1185348/000118534826000028/0001185348-26-000028-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001185348.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1185348

## Cite

POPS4, Edgar & Edgarette: PRA GROUP INC (PRAA) company card, from the company's own SEC filings, accessed 2026-11-09, https://www.pops4.com/boards/company/PRAA. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

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.