PRA Group’s Q4 EPS Up 192% to $1.46 on 13.7% Revenue Growth
PRA Group posted Q4 2025 EPS of $1.46, beating by 192%, on revenues of $333.4M, 13.7% higher, and cash collections of $531.7M, 13.6% higher. Net income rose to $59.2M, cash efficiency improved 250 bps to 61.3%, nonperforming loan purchases dropped 27.2% to $314.8M, and remaining collections hit $8.6B.
1. Fourth-Quarter Financial Results
PRA Group delivered Q4 2025 EPS of $1.46, beating estimates by 192%, on revenues of $333.4M, up 13.7% year-over-year, and net income of $59.2M, nearly triple last year’s level.
2. Operational Performance Drivers
Cash collections climbed 13.6% to $531.7M, driven by U.S. legal collections and European contributions, while portfolio income rose 14.4% to $262.8M and other revenues reached $6.7M.
3. Balance Sheet and Efficiency Metrics
Nonperforming loan purchases fell 27.2% to $314.8M, adjusted cash efficiency improved 250 bps to 61.3%, and estimated remaining collections expanded 15.4% to $8.6B, with $104.4M in cash and $1.1B in available credit.
4. Full-Year Performance
For full-year 2025, total revenues rose 7.8% to $1.2B and portfolio income grew 18.2% to $1B, though the company recorded a net loss per share of $7.79 versus prior year’s $1.79 income.