PRAA— PRA GROUP INC

FinancialsFinancial Services$738M mkt cap

Metric	FY2025	FY2024	FY2023	FY2022
Portfolio income	$1.01B+18.2%	$857.2M+13.2%	$757.1M-2.0%	$772.3M
Changes in expected recoveries	$176.5M-26.7%	$240.9M+726.8%	$29.1M-82.8%	$168.9M
Total portfolio revenue	$1.19B+8.3%	$1.10B+39.7%	$786.3M-16.5%	$941.2M
Other revenue	$12.1M-26.4%	$16.5M+1.1%	$16.3M-35.6%	$25.3M
Total revenues	$1.20B+7.8%	$1.11B+38.9%	$802.6M-17.0%	$966.5M
Compensation and benefits	$296.7M-0.7%	$298.9M+3.5%	$288.8M+1.1%	$285.5M
Legal collection costs	$161.6M+29.5%	$124.8M+40.0%	$89.1M+16.1%	$76.8M
Legal collection fees	$64.3M+13.6%	$56.6M+48.7%	$38.1M-1.0%	$38.5M
Agency fees	$92.4M+10.9%	$83.3M+11.6%	$74.7M+17.1%	$63.8M
Professional and outside services	$84.4M+1.4%	$83.2M+0.7%	$82.6M-10.5%	$92.4M
Communication	$36.7M-15.5%	$43.4M+7.4%	$40.4M+3.1%	$39.2M
Rent and occupancy	$14.5M-14.2%	$16.9M-2.3%	$17.3M-6.8%	$18.6M
Depreciation, amortization and impairment of long-lived assets	$10.4M-3.3%	$10.8M-42.0%	$18.6M+22.1%	$15.2M
Goodwill impairment	$412.6M	$0	$0	—
Other operating expenses	$58.4M+2.8%	$56.8M+8.4%	$52.4M+3.2%	$50.8M
Total operating expenses	$1.23B+59.0%	$774.8M+10.4%	$702.1M+3.1%	$680.7M
Income/(loss) from operations	-$30.3M-108.9%	$339.7M+238.1%	$100.5M-64.8%	$285.8M
Interest expense, net	-$251.8M-9.8%	-$229.3M-26.2%	-$181.7M-39.1%	-$130.7M
Gain on sale of equity method investment	$38.4M	$0	$0	—
Foreign exchange gain/(loss), net	$755K+8488.9%	-$9K-103.1%	$289K-70.7%	$985K
Other expense	-$336K+60.5%	-$851K+56.2%	-$1.9M-46.7%	-$1.3M
Income/(loss) before income taxes	-$243.2M-321.9%	$109.6M+232.2%	-$82.9M-153.5%	$154.8M
Income tax expense/(benefit)	$46.7M+122.2%	$21.0M+230.4%	-$16.1M-143.9%	$36.8M
Net income/(loss)	-$290.0M-427.4%	$88.6M+232.7%	-$66.8M-156.6%	$118.0M
Net income attributable to noncontrolling interests	$15.2M-15.6%	$18.0M+7.5%	$16.7M+1865.1%	$851K
Net income/(loss) attributable to PRA Group, Inc.	-$305.1M-532.2%	$70.6M+184.6%	-$83.5M-171.3%	$117.1M
Basic (USD per share)	-$7790.00-535.2%	$1790.00+184.0%	-$2130.00-172.0%	$2960.00
Diluted (USD per share)	-$7790.00-535.2%	$1790.00+184.0%	-$2130.00-172.4%	$2940.00
Basic (shares)	$39.2M-0.5%	$39.4M+0.5%	$39.2M-1.2%	$39.6M
Diluted (shares)	$39.2M-0.9%	$39.5M+0.9%	$39.2M-1.8%	$39.9M

Source: SEC EDGAR XBRL. % change vs prior period shown where available.

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Source: SEC EDGAR 10-K and 10-Q filings. Last 4 years annual and quarterly free, full history (up to 20 years) on Pro.