PRA Reports Q4 Revenue of $333.39M, Beating Consensus
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 26 2026
0mins
Should l Buy PRAA?
Reports Q4 revenue $333.39M, consensus $288.86M. "PRA made significant progress in 2025. Since stepping into the CEO role in June, we have further strengthened our U.S. operational platform, built on the track record of our European franchise, and developed our longer-term strategy and key financial goals," said CEO Martin Sjolund. "In the U.S., we successfully executed against our near-term strategic priorities, including driving cost savings, reorganizing our operations, creating a new talent hub, and implementing our IT modernization roadmap. Our adjusted non-GAAP results demonstrate a stable earnings platform, underpinned by a strong and well-diversified capital structure with moderate leverage that has declined in recent quarters. During Q4, we repurchased $10M of our shares, bringing the total amount repurchased in 2025 to $20M, in line with our capital allocation strategy to drive shareholder value. Looking ahead, we are introducing our PRA 3.0 strategy to evolve the company into a high-performing, technology-enabled global allocator of capital. We believe that the actions we are taking will drive stronger financial results and unlock meaningful long-term value for our shareholders."
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy PRAA?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on PRAA
Wall Street analysts forecast PRAA stock price to rise
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 21.290
Low
26.00
Averages
26.00
High
26.00
Current: 21.290
Low
26.00
Averages
26.00
High
26.00
About PRAA
PRA Group, Inc. is a global financial services company with operations based primarily in the Americas, Europe and Australia. The Company’s primary business is the purchase, collection and management of portfolios of nonperforming loans. The accounts it purchases are primarily the unpaid obligations of individuals owed to credit originators. The Company’s nonperforming loan portfolio comprises Core and Insolvency portfolios. Core operation specializes in purchasing and collecting nonperforming loans, which it purchases since the credit originators have chosen not to pursue, or have been unsuccessful in, collecting the full balance owed. Insolvency operations consist primarily of purchasing and collecting nonperforming loans where the customer is involved in a bankruptcy proceeding, or the equivalent thereof, in certain European countries. It also provides fee-based services on class action claims recoveries in the United States.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
PRA Group to Report Q1 2026 Results on May 7
- Earnings Release Schedule: PRA Group will report its Q1 2026 results after market close on May 7, 2026, followed by a webcast and conference call at 5 p.m. E.T., which is expected to attract investor interest.
- Participation Details: Investors can join the conference call by dialing 646-357-8785 in the U.S. or 1-800-836-8184 internationally, ensuring they receive the latest financial updates from the company.
- Replay Information: After the call, investors can access a replay via the company website or by calling designated numbers, with replay services available until May 7, 2027, allowing those who missed the live event to catch up on the information.
- Company Background: As a global leader in acquiring and collecting nonperforming loan portfolios, PRA Group is committed to helping banks and other creditors recover capital, thereby expanding financial services across the Americas, Europe, and Australia.
See More
PRA Group Partners with StepChange to Enhance Financial Inclusion
- Policy Roundtable: PRA Group and StepChange hosted a policy roundtable at the UK Parliament, bringing together leaders from the financial ecosystem to discuss strategies for improving outcomes for debtors and expanding access to safe, affordable finance, highlighting their commitment to financial inclusion.
- Consumer Research Collaboration: The two organizations continue to collaborate on consumer-focused research aimed at understanding the challenges faced by individuals in financial difficulty, particularly how credit scoring influences access to finance, underscoring the need for enhanced debt management support.
- Impact of Credit Scoring: Research indicates that many customers associate their credit scores with feelings of control, normalcy, and self-worth, emphasizing the importance of access to credit for emergencies, reflecting a strong demand for safe, affordable credit options.
- Integration of Industry Voices: Owen James from PRA Group emphasized that by bringing together voices from the financial sector, they can shape policies that ensure individuals in financial difficulty receive the necessary support and pathways to rebuild financially, demonstrating the industry's commitment to financial inclusion.
See More
Autodesk Reports Strong Q4 Earnings, Raises Guidance
- Earnings Beat: Autodesk reported Q4 earnings of $2.85 per share, surpassing the analyst consensus of $2.64, indicating strong market performance and boosting investor confidence.
- Sales Growth: The company achieved quarterly sales of $1.957 billion, exceeding the analyst estimate of $1.912 billion, reflecting robust demand for its products and driving overall revenue growth.
- Stock Price Surge: Following the positive news, Autodesk's stock rose 6% to $247.40 on Friday, indicating market optimism regarding the company's future growth potential.
- Optimistic Outlook: The FY27 guidance provided by Autodesk exceeded market expectations, showcasing the company's confidence in future performance and potentially attracting more investor interest in its long-term prospects.
See More
PRA Group Reports Record Portfolio Purchases and Cash Collections in 2025
- Record Portfolio Purchases: In 2025, PRA Group achieved portfolio purchases of $1.2 billion, marking the third-highest investment year in the company's history, reflecting strong market performance and confidence in future growth.
- Significant Cash Collection Growth: The company reported cash collections of $2.1 billion for the year, representing a 13% year-over-year increase that exceeded its high single-digit growth target, driven by strong performance in the U.S. legal channel and European markets.
- Operational Efficiency Improvement: The adjusted cash efficiency ratio improved from 59% last year to 61%, achieved through a $125 million investment in the U.S. legal collections channel, further enhancing operational improvements and cost controls.
- Optimistic Future Outlook: Management anticipates continued investments in non-performing loans ranging from $1 billion to $1.3 billion in 2026, demonstrating confidence in market stability and plans to further reduce leverage.
See More
PRA Group (PRAA) Q4 2025 Earnings Call Transcript
See More
PRA Group Q4 Earnings Exceed Expectations
- Strong Earnings Performance: PRA Group reported a Q4 GAAP EPS of $1.46, beating expectations by $0.97, which highlights the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $326.71 million, reflecting an 11.4% year-over-year increase and surpassing market expectations by $37.85 million, indicating a solid business growth trajectory that may attract more investor interest.
- Positive Stock Reaction: Following the earnings release, PRA Group's shares rose by 3.39% in after-hours trading, demonstrating a favorable market response to its financial performance, potentially providing support for future investments.
- Rating Adjustment Impact: Despite the strong earnings report, PRA Group was downgraded to a Hold-equivalent rating by Citizens, indicating market caution regarding the company's future growth, which could affect long-term investor confidence.
See More
PRA Group to Report Q1 2026 Results on May 7
- Earnings Release Schedule: PRA Group will report its Q1 2026 results after market close on May 7, 2026, followed by a webcast and conference call at 5 p.m. E.T., which is expected to attract investor interest.
- Participation Details: Investors can join the conference call by dialing 646-357-8785 in the U.S. or 1-800-836-8184 internationally, ensuring they receive the latest financial updates from the company.
- Replay Information: After the call, investors can access a replay via the company website or by calling designated numbers, with replay services available until May 7, 2027, allowing those who missed the live event to catch up on the information.
- Company Background: As a global leader in acquiring and collecting nonperforming loan portfolios, PRA Group is committed to helping banks and other creditors recover capital, thereby expanding financial services across the Americas, Europe, and Australia.
See More
PRA Group Partners with StepChange to Enhance Financial Inclusion
- Policy Roundtable: PRA Group and StepChange hosted a policy roundtable at the UK Parliament, bringing together leaders from the financial ecosystem to discuss strategies for improving outcomes for debtors and expanding access to safe, affordable finance, highlighting their commitment to financial inclusion.
- Consumer Research Collaboration: The two organizations continue to collaborate on consumer-focused research aimed at understanding the challenges faced by individuals in financial difficulty, particularly how credit scoring influences access to finance, underscoring the need for enhanced debt management support.
- Impact of Credit Scoring: Research indicates that many customers associate their credit scores with feelings of control, normalcy, and self-worth, emphasizing the importance of access to credit for emergencies, reflecting a strong demand for safe, affordable credit options.
- Integration of Industry Voices: Owen James from PRA Group emphasized that by bringing together voices from the financial sector, they can shape policies that ensure individuals in financial difficulty receive the necessary support and pathways to rebuild financially, demonstrating the industry's commitment to financial inclusion.
See More
Autodesk Reports Strong Q4 Earnings, Raises Guidance
- Earnings Beat: Autodesk reported Q4 earnings of $2.85 per share, surpassing the analyst consensus of $2.64, indicating strong market performance and boosting investor confidence.
- Sales Growth: The company achieved quarterly sales of $1.957 billion, exceeding the analyst estimate of $1.912 billion, reflecting robust demand for its products and driving overall revenue growth.
- Stock Price Surge: Following the positive news, Autodesk's stock rose 6% to $247.40 on Friday, indicating market optimism regarding the company's future growth potential.
- Optimistic Outlook: The FY27 guidance provided by Autodesk exceeded market expectations, showcasing the company's confidence in future performance and potentially attracting more investor interest in its long-term prospects.
See More
PRA Group Reports Record Portfolio Purchases and Cash Collections in 2025
- Record Portfolio Purchases: In 2025, PRA Group achieved portfolio purchases of $1.2 billion, marking the third-highest investment year in the company's history, reflecting strong market performance and confidence in future growth.
- Significant Cash Collection Growth: The company reported cash collections of $2.1 billion for the year, representing a 13% year-over-year increase that exceeded its high single-digit growth target, driven by strong performance in the U.S. legal channel and European markets.
- Operational Efficiency Improvement: The adjusted cash efficiency ratio improved from 59% last year to 61%, achieved through a $125 million investment in the U.S. legal collections channel, further enhancing operational improvements and cost controls.
- Optimistic Future Outlook: Management anticipates continued investments in non-performing loans ranging from $1 billion to $1.3 billion in 2026, demonstrating confidence in market stability and plans to further reduce leverage.
See More
PRA Group (PRAA) Q4 2025 Earnings Call Transcript
See More
PRA Group Q4 Earnings Exceed Expectations
- Strong Earnings Performance: PRA Group reported a Q4 GAAP EPS of $1.46, beating expectations by $0.97, which highlights the company's robust profitability and boosts investor confidence.
- Significant Revenue Growth: The company achieved Q4 revenue of $326.71 million, reflecting an 11.4% year-over-year increase and surpassing market expectations by $37.85 million, indicating a solid business growth trajectory that may attract more investor interest.
- Positive Stock Reaction: Following the earnings release, PRA Group's shares rose by 3.39% in after-hours trading, demonstrating a favorable market response to its financial performance, potentially providing support for future investments.
- Rating Adjustment Impact: Despite the strong earnings report, PRA Group was downgraded to a Hold-equivalent rating by Citizens, indicating market caution regarding the company's future growth, which could affect long-term investor confidence.
See More
