Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement.
Across FY2010–FY2025: $657.08M in buybacks.
Debt Profile
Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.
Reported debt balances
Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.
On October 2, 2026, PRA Group, Inc. (the “Company”) completed its previously announced offering of $400 million aggregate principal amount of 8.500% Senior Notes due 2033 (the “Notes”) in a private transaction that was exempt from the registration requirements of the Securities Act of 1933, as amended. The Notes were issued pursuant to an Indenture, dated October 2, 2026 (the “Indenture”), among the Company, the Guarantors (as defined below) and Regions Bank, as trustee (the “Trustee”). Pursuant to the Indenture, interest on the Notes will accrue at a rate of 8.500% per annum payable semiannually in arrears on April 15 and October 15 of each year, commencing on April 15, 2027. The Notes will mature on October 15, 2033, subject to earlier repurchase or redemption.
Issuer evidence: On October 2, 2026, PRA Group, Inc. (the “Company”) completed its previously announced offering of $400 million aggregate principal amount of 8.500% Senior Notes due 2033 (the “Notes”) in a private transaction that was exempt from the registration requirements of the Securities Act of 1933, as amended. The Notes were issued pursuant to an Indenture, dated October 2, 2026 (the “Indenture”), among the Company, the Guarantors (as defined below) and Regions Bank, as trustee (the “Trustee”). Pursuant to the Indenture, interest on the Notes will accrue at a rate of 8.500% per annum payable semiannually in arrears on April 15 and October 15 of each year, commencing on April 15, 2027. The Notes will mature on October 15, 2033, subject to earlier repurchase or redemption.
Supporting evidence: On October 2, 2026, PRA Group, Inc. (the “Company”) completed its previously announced offering of $400 million aggregate principal amount of 8.500% Senior Notes due 2033 (the “Notes”) in a private transaction that was exempt from the registration requirements of the Securities Act of 1933, as amended. The Notes were issued pursuant to an Indenture, dated October 2, 2026 (the “Indenture”), among the Company, the Guarantors (as defined below) and Regions Bank, as trustee (the “Trustee”). Pursuant to the Indenture, interest on the Notes will accrue at a rate of 8.500% per annum payable semiannually in arrears on April 15 and October 15 of each year, commencing on April 15, 2027. The Notes will mature on October 15, 2033, subject to earlier repurchase or redemption.
Supporting evidence: On October 2, 2026, PRA Group, Inc. (the “Company”) completed its previously announced offering of $400 million aggregate principal amount of 8.500% Senior Notes due 2033 (the “Notes”) in a private transaction that was exempt from the registration requirements of the Securities Act of 1933, as amended. The Notes were issued pursuant to an Indenture, dated October 2, 2026 (the “Indenture”), among the Company, the Guarantors (as defined below) and Regions Bank, as trustee (the “Trustee”). Pursuant to the Indenture, interest on the Notes will accrue at a rate of 8.500% per annum payable semiannually in arrears on April 15 and October 15 of each year, commencing on April 15, 2027. The Notes will mature on October 15, 2033, subject to earlier repurchase or redemption.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
3.28×
Peer median 2.67×
EV/EBIT
65.57×
Peer median 10.06×
P/E (TTM)
—
Peer median 11.42×
EV/Adj. EBITDA (FY2025)
3.32×
Peer median 5.59×
Peer medians compare against the 28 similar-size Credit Services companies (of 45 listed).
EV/Adj. EBITDA uses
the company-stated
“Adjusted EBITDA”,
extracted from the reconciliation in its SEC filings — the company's own non-GAAP definition, not an XBRL-tagged figure.
Valuation over time computed as of each quarter's filing date
EV/Adj. EBITDA uses
the company-stated
“Adjusted EBITDA”,
extracted from the reconciliation in its SEC filings as it existed at each sample date — the company's own non-GAAP definition, not an XBRL-tagged figure. Each point's tooltip names its TTM or fiscal-year basis.
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
Component
FY2025
FY2024
FY2023
United States Segment
$611,252,000
$593,928,000
$358,251,000
Europe Segment
$461,365,000
$394,963,000
$330,503,000
By Geography (USD)
Component
FY2025
FY2024
FY2023
FY2022
FY2021
FY2020
FY2019
FY2018
United States
$611,252,000
$593,928,000
$358,251,000
$520,747,000
$651,991,000
$677,234,000
$673,264,000
$619,172,000
Foreign Countries
$420,501,000
$358,691,000
$324,340,000
$227,640,000
$205,618,000
—
—
—
United Kingdom
$170,084,000
$161,905,000
$119,963,000
$181,725,000
$175,383,000
$132,749,000
$120,377,000
$99,817,000
Brazil
—
—
—
$36,412,000
$62,740,000
—
—
—
Other Countries Outside Of The United States And United Kingdom
—
—
—
—
—
$255,431,000
$223,440,000
$189,267,000
Segment Operating Income
Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.
