PRA GROUP INC
For the period ended Dec 31, 2025. Filed Mar 2, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 2, 2026
PRAA$11.96-5.9%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Income Statements
(in thousands, except per share amounts)
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Revenues | |||
| Portfolio income | $1,013,271 | $857,188 | $757,128 |
| Changes in expected recoveries | 176,451 | 240,868 | 29,134 |
| Total portfolio revenue | 1,189,722 | 1,098,056 | 786,262 |
| Other revenue | 12,115 | 16,468 | 16,292 |
| Total revenues | 1,201,837 | 1,114,524 | 802,554 |
| Operating expenses | |||
| Compensation and benefits | 296,665 | 298,903 | 288,778 |
| Legal collection costs | 161,647 | 124,782 | 89,131 |
| Legal collection fees | 64,319 | 56,623 | 38,072 |
| Agency fees | 92,424 | 83,334 | 74,699 |
| Professional and outside services | 84,389 | 83,218 | 82,619 |
| Communication | 36,704 | 43,433 | 40,430 |
| Rent and occupancy | 14,517 | 16,929 | 17,319 |
| Depreciation, amortization and impairment of long-lived assets | 10,439 | 10,792 | 18,615 |
| Goodwill impairment | 412,611 | — | — |
| Other operating expenses | 58,395 | 56,778 | 52,399 |
| Total operating expenses | 1,232,110 | 774,792 | 702,062 |
| Income/(loss) from operations | (30,273) | 339,732 | 100,492 |
| Other income/(expense) | |||
| Interest expense, net | (251,788) | (229,267) | (181,724) |
| Gain on sale of equity method investment | 38,403 | — | — |
| Foreign exchange gain/(loss), net | 755 | (9) | 289 |
| Other expense | (336) | (851) | (1,944) |
| Income/(loss) before income taxes | (243,239) | 109,605 | (82,887) |
| Income tax expense/(benefit) | 46,735 | 21,032 | (16,133) |
| Net income/(loss) | (289,974) | 88,573 | (66,754) |
| Net income attributable to noncontrolling interests | 15,168 | 17,972 | 16,723 |
| Net income/(loss) attributable to PRA Group, Inc. | $(305,142) | $70,601 | $(83,477) |
| Net income/(loss) per common share attributable to PRA Group, Inc. | |||
| Basic | $(7.79) | $1.79 | $(2.13) |
| Diluted | $(7.79) | $1.79 | $(2.13) |
| Weighted average number of shares outstanding | |||
| Basic | 39,173 | 39,382 | 39,177 |
| Diluted | 39,173 | 39,542 | 39,177 |
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