PRA Group, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from PRA Group, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 26% in 3 years, but profit fell: $171 less profit per $100 of extra sales. Lower than 96% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
−$171Sales grew 26% in 3 years, but profit fell: $171 less profit per $100 of extra sales.
Lower than 96% of Financial Services companies in United States.
Asset Productivity Ratio
+26% / +22%In 3 years sales changed by +26% while total assets changed by +22%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 81% of Financial Services companies in United States.
Tangible Net Worth Ratio
97%Of every $100 of net worth, $97 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 84% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
PRA Group, Inc. made a loss over the last year. PRA Group, Inc. owes $0.79 for every $1 it owns. PRA Group, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossPRA Group, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.72The share price is 0.72 times PRA Group, Inc.'s book value per share, lower than 90% of Financial Services companies in United States.
Market cap
$751 MThe total market value of all of PRA Group, Inc.'s shares at today's price (share price × number of shares), larger than 50% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$1.0 BWhat PRA Group, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$27.77Net worth divided by the number of shares. The share price of $19.96 is 0.7 times this, which is the P/B above.
Return on equity (ROE)
-20.2%PRA Group, Inc. lost 20.2% of its shareholders' money over the last year, lower than 92% of Financial Services companies in United States.
Owes vs Owns
0.79×PRA Group, Inc. owes $0.79 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NonePRA Group, Inc. does not currently pay a dividend.
Revenue growth
+8%Revenue rose 8% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit growth
LossPRA Group, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-25.1%PRA Group, Inc. lost $25 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For PRA Group, Inc.: $751 M ÷ $1.0 B (30 Jun 2026) = 0.7.
What is PRA Group, Inc.'s return on equity?
PRA Group, Inc. lost 20.2% of its shareholders' money over the last year, lower than 92% of Financial Services companies in United States.
How much does PRA Group, Inc. owe compared with what it owns?
PRA Group, Inc. owes $0.79 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does PRA Group, Inc. pay a dividend?
No. PRA Group, Inc. does not currently pay a dividend.
Is PRA Group, Inc.'s revenue growing?
Revenue rose 8% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.