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PRA Group cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$38.7M in Q2 2026 · −$37.8M over twelve months

Operating cash flow−$36.3M
Capital spending−$2.4M
Free cash flow−$38.7M
Cash / net income-0.6×

Analysis

In Q2 2026, PRA Group generated −$36.3M of operating cash flow and spent $2.4M on capital projects, leaving free cash flow of −$38.7M. That is $24.5M less than in Q2 2025 (−$14.2M).

Over the twelve months to Jun 30, 2026, operating cash flow was −$31.4M; the largest uses were net borrowing (+) / repaid (−) ($157M), other investing ($51.6M), operating cash flow ($31.4M); besides operations, cash came from other financing ($267M); the cash balance rose by $361K.

Operating cash flow was −$36.3M against net income of $58.9M — -0.6× profit, less cash than reported earnings, worth checking against working capital. The largest differences: payables −$30.6M, deferred taxes +$18.6M, stock-based pay +$4.6M.

Free cash flow

PRA Group: free cash flow by quarterPRA Group: free cash flow by quarter−$36.1MQ3 2024$41.8MQ4 2024−$53.5MQ1 2025−$14.2MQ2 2025−$11.3MQ3 2025−$11.3MQ4 2025$23.5MQ1 2026−$38.7MQ2 2026
Operating cash flow less capital spending.
PRA Group: operating cash flow against capital spendingPRA Group: operating cash flow against capital spendingOperating cash flowCapital spending−$35.0M$1.0MQ3 2024$42.9M$1.2MQ4 2024−$52.6M$900KQ1 2025−$12.9M$1.3MQ2 2025−$10.1M$1.2MQ3 2025−$9.9M$1.4MQ4 2025$24.9M$1.4MQ1 2026−$36.3M$2.4MQ2 2026
Latest (Q2 2026): Operating cash flow −$36.3M, Capital spending $2.4M.

Capital allocation, year by year

PRA Group: where the cash came from (up) and went (down), by fiscal yearPRA Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $84.9MFY2021: Net borrowing −$43.2MFY2021: Capital spending −$11.2MFY2021: Acquisitions −$647KFY2021: Buybacks −$201M$84.9MFY2021FY2022: Operating cash flow $21.6MFY2022: Net borrowing $8.5MFY2022: Capital spending −$13.3MFY2022: Buybacks −$111M$30.1MFY2022FY2023: Operating cash flow −$97.5MFY2023: Net borrowing −$10.5MFY2023: Capital spending −$2.9MFY2023FY2024: Operating cash flow −$94.6MFY2024: Net borrowing $181MFY2024: Capital spending −$4.0M$181MFY2024FY2025: Operating cash flow −$85.5MFY2025: Net borrowing −$88.2MFY2025: Capital spending −$4.8MFY2025: Buybacks −$20.0MFY2025
Over these 5 years operating cash flow totalled −$171M; the largest uses were buybacks ($332M) and operating cash flow ($278M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$132M
Debtnone
Net cash$132M
Due within a year$10.0M
Cash runway3.5 years

PRA Group is burning cash: its operations consume cash, a free cash flow of −$37.8M a year at the current rate against $132M of cash and investments: a runway of about 3.5 years; $10.0M of debt also comes due within a year, which the cash covers before any new financing.

PRA Group: debt maturities by year (FY2025)PRA Group: debt maturities by year (FY2025)$10.0MYear 1$587MYear 2$411MYear 3$1.8BYear 4$550MYear 5$352MAfter year 5
Principal due in each year as disclosed in the annual report, against $132M of cash and investments now.

Where the cash came from and went

PRA Group: sources (+) and uses (−) of cash, Q2 2026PRA Group: sources (+) and uses (−) of cash, Q2 2026Cash drawn (+) / kept (−)$50.6MOperating cash flow−$36.3MOther financing$14.3MOther investing−$10.7MBuybacks−$10.0MNet borrowing (+) / repaid (−)−$8.6MExchange rates$4.1MCapital spending−$2.4MPartners−$820KTaxes on employees’ shares−$203K
PRA Group: sources (+) and uses (−) of cash, TTM to Q2 2026PRA Group: sources (+) and uses (−) of cash, TTM to Q2 2026Other financing$267MNet borrowing (+) / repaid (−)−$157MOther investing−$51.6MOperating cash flow−$31.4MBuybacks−$30.0MExchange rates$24.6MPartners−$11.6MCapital spending−$6.5MTaxes on employees’ shares−$3.2MCash drawn (+) / kept (−)−$361K

From profit to cash

PRA Group: net income to operating cash flow, Q2 2026PRA Group: net income to operating cash flow, Q2 2026Net income$58.9MStock-based pay$4.6MDeferred taxes$18.6MOther non-cash−$512KPayables−$30.6MPrepaid and other assets−$2.8MOperating cash flow−$36.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q2 2026−$36.3M−$2.4M−$10.0M−$8.6M$50.6M−$38.7M
Q1 2026$24.9M−$1.4M−$10.0M$102M−$77.7M$23.5M
Q4 2025−$9.9M−$1.4M−$10.0M$88.4M$2.2M−$11.3M
Q3 2025−$10.1M−$1.2M—−$338M$24.5M−$11.3M
Q2 2025−$12.9M−$1.3M−$10.0M$70.9M−$5.0M−$14.2M
Q1 2025−$52.6M−$900K—$90.9M−$22.9M−$53.5M
Q4 2024$42.9M−$1.2M—−$84.2M$35.0M$41.8M
Q3 2024−$35.0M−$1.0M—$435M−$22.5M−$36.1M

PRA Group: income statement and cash flow

PRA Group, Q3 2026: revenue $286M (-8% year over year), operating margin 30.0%. The chart follows the revenue to costs, profit and cash.

PRA Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.