Filing Flows › Financials › PRA Group (PRAA)
PRA Group (PRAA) earnings and revenue breakdown
Latest: Q3 2026 · 8-K filed Nov 5, 2026
Q3 2026 Revenue down 8% year over year to $286M · 5¢ of every $1 of revenue kept as net profit · operating margin 30.0%
PRA Group made $286M in Q3 2026 (-8% Y/Y): Portfolio revenue $285M, Other revenue $1.2M. Operating margin 30.0%, net earnings $14.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 8-K filed Nov 5, 2026 (preliminary, from the earnings release).
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What changed this quarter
Revenue was $286.3M in Q3 2026, down 8% year over year and down 23% from the previous quarter. Portfolio revenue was the largest line at 100% of revenue. Portfolio revenue lost $24.8M year over year (down 8%), 100% of the total change.
Operating profit was $85.9M, a 30.0% margin (up 131.4 points year over year). Total costs fell 68% while revenue fell 8%. Net earnings were $14.9M. The effective tax rate was 15.7%.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 8-K | Nov 5, 2026 | $286M | -8% | 30.0% | $14.9M | — |
| Q2 2026 | 10-Q | Aug 7, 2026 | $372M | +29% | 41.2% | $57.9M | −$36.3M |
| Q1 2026 | 10-Q | May 8, 2026 | $315M | +17% | 32.8% | $28.2M | $24.9M |
| Q4 2025 | 10-K | Mar 2, 2026 | $333M | +14% | 37.7% | $56.5M | −$9.9M |
| Q3 2025 | 10-Q | Nov 10, 2025 | $311M | +10% | -101.4% | −$404M | −$10.1M |
| Q2 2025 | 10-Q | Aug 6, 2025 | $288M | +1% | 29.6% | $42.4M | −$12.9M |
| Q1 2025 | 10-Q | May 9, 2025 | $270M | +6% | 27.7% | $3.7M | −$52.6M |
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About PRA Group
We are a specialty finance company headquartered in Norfolk, Virginia and incorporated in Delaware. Our primary business is the purchase, collection and management of nonperforming loan portfolios, and we are a global leader in the industry. Most of the loans we purchase are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them ("Core" accounts). To a lesser extent, we also purchase loans in situations where the customer is involved in a bankruptcy or similar proceeding ("Insolvency" accounts). As part of an ancillary business, we purchase and provide fee-based services for class action claims recoveries in the U.S.
In its own words, from its 10-K, filed Mar 2, 2026.
PRA Group against its Short-Term Business Credit Institutions peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -8% against the peers' median +5%. Operating margin: 30.0% against the peers' median 30.0%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PRAA PRA Group | Q3 2026 | $286M | -8% | 30.0% |
| Deere John Capital | Q3 FY26 | $1.2B | -3% | 18.0% |
| ECPG Encore Capital Group | Q3 2026 | $545M | +18% | 42.3% |
| Paccar Financial | Q3 2026 | $235M | -0.3% | 25.6% |
| JCAP Jefferson Capital | Q2 2026 | $178M | +16% | 45.9% |
| PLBC Plumas Bancorp | Q3 2026 | $29.3M | +7% | 47.8% |
| SWRD Stewards | Q2 2026 | $3.5M | +5% | -114.5% |
Source: PRA Group 8-K on SEC EDGAR · CIK 1185348 · Short-Term Business Credit Institutions
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History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results