PRA GROUP INC
PRAA · Short-Term Business Credit Institutions · 38.1M shares · -4%/yr ↓ buyback · EDGAR filings ↗
Reference price $14.15 · est. market cap ~$540M — last insider purchase, 2025-11-06 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
D48PRA Group — debt-purchasing/collection firm with a loss year.
Strengths
- Large receivables-portfolio investments
Risks
- Net loss; ROE -31% (28th pct); negative free cash flow
- Collection-yield volatility and regulatory exposure
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Net lossNet loss (net margin -25.4%)
- Cash burnNegative free cash flow (-90.4M)
- Buying back stockNet buyback — share count -4%/yr over 4y
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Operating margin
-2.5%
Net margin
-25.4%
Return on equity
-31.1%
Return on assets
-6.0%
Revenue growth (QoQ)
-5.7%
Net-income growth
-532.2%
Free cash flow
-$90M
EBITDA
-$21M
Tangible book value
$953M
Cash & investments
$104M
Cash runway
5q
Stock comp / revenue
1.3%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-17 | Sjolund Martin | Tax withheld | 9.8K | $15.65 |
| 2026-06-17 | James Richard Owen | Tax withheld | 1.1K | $15.65 |
| 2026-06-16 | Gadhia Jayne-Anne | Tax withheld | 3.2K | $15.50 |
| 2026-06-16 | Butler Adrian M | Grant | 11K | — |
| 2026-06-16 | Olsen Geir | Grant | 11K | — |
| 2026-06-16 | Olsen Geir | Tax withheld | 3.2K | $15.50 |
| 2026-06-16 | Connelly Marjorie Mary | Grant | 11K | — |
| 2026-06-16 | WEAVER LANCE L | Grant | 11K | — |
| 2026-06-16 | Gadhia Jayne-Anne | Grant | 11K | — |
| 2026-06-16 | TABAKIN SCOTT M | Grant | 11K | — |
| 2026-06-16 | Paschke Brett Lee | Grant | 11K | — |
| 2026-03-09 | James Richard Owen | Grant | 5.5K | — |
| 2026-03-09 | James Richard Owen | Tax withheld | 584 | $18.15 |
| 2026-03-09 | James Richard Owen | Tax withheld | 426 | $18.15 |
| 2026-03-09 | James Richard Owen | Tax withheld | 2.5K | $18.15 |
| 2026-03-09 | James Richard Owen | Tax withheld | 1.9K | $18.15 |
| 2026-03-09 | James Richard Owen | Tax withheld | 3.9K | $18.15 |
| 2026-03-09 | Tarrant LaTisha Owens | Grant | 30K | — |
| 2026-03-09 | Tarrant LaTisha Owens | Grant | 1.7K | — |
| 2026-03-09 | Tarrant LaTisha Owens | Grant | 5.5K | — |
| 2026-03-09 | Tarrant LaTisha Owens | Tax withheld | 608 | $18.15 |
| 2026-03-09 | Tarrant LaTisha Owens | Tax withheld | 3.1K | $18.15 |
| 2026-03-09 | Tarrant LaTisha Owens | Tax withheld | 1.8K | $18.15 |
| 2026-03-09 | Tarrant LaTisha Owens | Tax withheld | 4.2K | $18.15 |
| 2026-03-09 | Sjolund Martin | Grant | 102K | — |
| 2026-03-09 | Sjolund Martin | Grant | 5.0K | — |
| 2026-03-09 | Sjolund Martin | Tax withheld | 2.3K | $18.15 |
| 2026-03-09 | Sjolund Martin | Tax withheld | 1.7K | $18.15 |
| 2026-03-09 | Sjolund Martin | Tax withheld | 3.9K | $18.15 |
| 2026-03-09 | Sjolund Martin | Tax withheld | 1.9K | $18.15 |
| 2026-03-09 | Sjolund Martin | Tax withheld | 5.5K | $18.15 |
| 2026-03-09 | Tarrant LaTisha Owens | Tax withheld | 836 | $18.15 |
| 2026-03-09 | Sehgal Rakesh | Grant | 30K | — |
| 2026-03-09 | Sehgal Rakesh | Grant | 1.4K | — |
| 2026-03-09 | Sehgal Rakesh | Grant | 5.5K | — |
| 2026-03-09 | Sehgal Rakesh | Tax withheld | 610 | $18.15 |
| 2026-03-09 | Sehgal Rakesh | Tax withheld | 3.0K | $18.15 |
| 2026-03-09 | Sehgal Rakesh | Tax withheld | 2.2K | $18.15 |
| 2026-03-09 | Sehgal Rakesh | Tax withheld | 5.1K | $18.15 |
| 2026-03-09 | Sehgal Rakesh | Tax withheld | 837 | $18.15 |
| 2026-03-09 | James Richard Owen | Grant | 30K | — |
| 2026-03-09 | James Richard Owen | Grant | 1.2K | — |
| 2025-11-15 | Tarrant LaTisha Owens | Tax withheld | 244 | $16.33 |
| 2025-11-06 | Olsen Geir | Buy | 15K | $14.15 |
| 2025-09-15 | Sehgal Rakesh | Tax withheld | 1.5K | $16.82 |
| 2025-08-15 | James Richard Owen | Tax withheld | 1.8K | $16.51 |
| 2025-08-15 | Tarrant LaTisha Owens | Tax withheld | 3.3K | $16.51 |
| 2025-06-17 | Gadhia Jayne-Anne | Tax withheld | 2.3K | $14.71 |
| 2025-06-17 | Gadhia Jayne-Anne | Grant | 11K | — |
| 2025-06-17 | James Richard Owen | Grant | 6.9K | — |
| 2025-06-17 | Turner Peggy P. | Grant | 11K | — |
| 2025-06-17 | Paschke Brett Lee | Grant | 11K | — |
| 2025-06-17 | Butler Adrian M | Grant | 11K | — |
| 2025-06-17 | Sjolund Martin | Grant | 62K | — |
| 2025-06-17 | Olsen Geir | Grant | 11K | — |
| 2025-06-17 | Connelly Marjorie Mary | Grant | 11K | — |
| 2025-06-17 | WEAVER LANCE L | Grant | 11K | — |
| 2025-06-17 | TABAKIN SCOTT M | Grant | 11K | — |
| 2025-06-13 | Turner Peggy P. | Grant | 7.8K | — |
| 2025-06-13 | Paschke Brett Lee | Grant | 7.8K | — |
| 2025-06-13 | Olsen Geir | Tax withheld | 2.3K | $14.93 |
| 2025-06-13 | Connelly Marjorie Mary | Grant | 7.8K | — |
| 2025-05-15 | Sehgal Rakesh | Tax withheld | 4.3K | $15.31 |
| 2025-05-07 | Paschke Brett Lee | Buy | 5.0K | $13.39 |
| 2025-05-07 | Paschke Brett Lee | Buy | 5.0K | $13.39 |
| 2025-05-07 | Olsen Geir | Buy | 18K | $13.59 |
| 2025-05-07 | Olsen Geir | Buy | 18K | $13.59 |
| 2025-04-15 | Atal Vikram A | Tax withheld | 5.8K | $17.03 |
| 2025-04-01 | FREDRICKSON STEVEN D | Grant | 94K | — |
| 2025-03-07 | Sehgal Rakesh | Grant | 28K | — |
| 2025-03-07 | Sehgal Rakesh | Tax withheld | 556 | $20.13 |
| 2025-03-07 | Sehgal Rakesh | Tax withheld | 2.9K | $20.13 |
| 2025-03-07 | James Richard Owen | Grant | 25K | — |
| 2025-03-07 | James Richard Owen | Grant | 519 | — |
| 2025-03-07 | James Richard Owen | Tax withheld | 245 | $20.13 |
| 2025-03-07 | James Richard Owen | Tax withheld | 350 | $20.13 |
| 2025-03-07 | James Richard Owen | Tax withheld | 425 | $20.13 |
| 2025-03-07 | James Richard Owen | Tax withheld | 2.5K | $20.13 |
| 2025-03-07 | Tarrant LaTisha Owens | Grant | 28K | — |
| 2025-03-07 | Tarrant LaTisha Owens | Grant | 518 | — |
| 2025-03-07 | Tarrant LaTisha Owens | Tax withheld | 235 | $20.13 |
| 2025-03-07 | Tarrant LaTisha Owens | Tax withheld | 252 | $20.13 |
| 2025-03-07 | Tarrant LaTisha Owens | Tax withheld | 544 | $20.13 |
| 2025-03-07 | Tarrant LaTisha Owens | Tax withheld | 3.0K | $20.13 |
| 2025-03-07 | Sjolund Martin | Grant | 35K | — |
| 2025-03-07 | Sjolund Martin | Grant | 2.3K | — |
| 2025-03-07 | Sjolund Martin | Tax withheld | 1.1K | $20.13 |
| 2025-03-07 | Sjolund Martin | Tax withheld | 1.6K | $20.13 |
| 2025-03-07 | Sjolund Martin | Tax withheld | 1.7K | $20.13 |
| 2025-03-07 | Sjolund Martin | Tax withheld | 3.9K | $20.13 |
| 2025-03-07 | Atal Vikram A | Grant | 126K | — |
| 2025-03-07 | Atal Vikram A | Tax withheld | 14K | $20.13 |
| 2025-01-15 | Butler Adrian M | Grant | 3.4K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-23 | Exec/director changeShareholder voteExhibits | filing ↗ |
| 2026-05-07 | ResultsReg FDExhibits | filing ↗ |
| 2026-05-05 | Material agreementDebt obligationReg FDExhibits | filing ↗ |
| 2026-02-26 | ResultsReg FDExhibits | filing ↗ |
| 2025-11-03 | ResultsReg FDExhibits | filing ↗ |
| 2025-10-01 | Material agreementDebt obligationExhibits | filing ↗ |
| 2025-09-24 | OtherExhibits | filing ↗ |
| 2025-09-22 | OtherExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-23 | 2026-06-16 | 0001185348-26-000023 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001185348-26-000021 ↗ |
| 8-K | 2026-05-07 | 2026-05-07 | 0001185348-26-000019 ↗ |
| 8-K | 2026-05-05 | 2026-04-30 | 0001185348-26-000017 ↗ |
| 10-K | 2026-03-02 | 2025-12-31 | 0001185348-26-000006 ↗ |
| 8-K | 2026-02-26 | 2026-02-26 | 0001185348-26-000003 ↗ |
| 10-Q | 2025-11-10 | 2025-09-30 | 0001185348-25-000043 ↗ |
| 8-K | 2025-11-03 | 2025-11-03 | 0001185348-25-000040 ↗ |
| 8-K | 2025-10-01 | 2025-09-30 | 0001185348-25-000034 ↗ |
| 8-K | 2025-09-24 | 2025-09-24 | 0001185348-25-000030 ↗ |
| 8-K | 2025-09-22 | 2025-09-22 | 0001185348-25-000027 ↗ |
| 10-Q | 2025-08-06 | 2025-06-30 | 0001185348-25-000022 ↗ |