PRA Group, Inc.
PRAAFinancial ServicesNASDAQCredit Services · Last scanned Jun 2, 2026
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Daily timeframePart of the financial services sector, PRA Group, Inc. (PRAA) is listed under Credit Services. With a market capitalization of $563.0M, it sits in small-cap territory. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed.
Market Cap
$563.0M
Beta
1.26
P/E (TTM)
—
P/E (Fwd)
5.22
EPS (TTM)
$-7.15
EPS (Fwd)
$2.83
ROE
-22.8%
ROA
5.0%
Cash
$131.3M
Total Debt
$3.81B
Free CF
-$437.3M
52W Change
2.4%
Annual Financials
Cash vs Debt
PRA Group, Inc. carries $3.81B in total debt against $131.3M in cash reserves — debt is roughly 29.0x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company is burning cash, with free cash flow at -$437.3M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at -22.8%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 5.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $966.5M (2022) to $1.21B (2025), reflecting a 26% increase over the period.
PRA Group, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for PRA Group, Inc. and its sector.