The call presented a mixed picture with strong growth in cash collections and operational efficiency countered by a significant noncash goodwill impairment charge and underperformance of certain U.S. vintages. However, the overall strategic execution and improvements in European markets are promising.

Company Guidance

In the third quarter of fiscal year 2025, the company reported various financial and operational metrics indicating progress and challenges. Portfolio purchases totaled $255 million, with a focus on balancing net returns and leverage. Cash collections increased by 14% year-over-year to $542 million, with the U.S. and Europe exceeding expectations by 6% and 10%, respectively. The company faced a nonrecurring noncash goodwill impairment charge of $413 million, primarily affecting historical European acquisitions. Despite this, adjusted net income was $21 million, translating to an adjusted ROACE of 9%. Adjusted EBITDA grew 15% year-over-year to $1.3 billion, highlighting operational leverage. The company implemented cost-saving measures, reducing U.S. headcount by over 115 employees and achieving gross annualized savings of approximately $20 million. Additionally, a strategic focus on legal collections led to a 27% increase in U.S. legal cash collections. The guidance for 2025 remains on track with a purchase target of $1.2 billion and high single-digit cash collections growth.

Strong Cash Collections Growth

Cash collections grew 14% year-over-year to $542 million, with the U.S. overperforming by 6% and Europe by 10%.

U.S. Legal Cash Collections Increase

U.S. legal cash collections increased by 27% year-over-year to $125 million, showing significant improvement in the legal collections channel.

Cost Savings and Operational Efficiency

Implemented a cost reduction program in the U.S., saving approximately $20 million annually, with a reduction of over 115 employees.

European Business Performance

European business overperformed cash expectations by 11% year-to-date and made positive adjustments to European ERC.

Adjusted EBITDA Growth

Adjusted EBITDA grew by 15% to $1.3 billion over the last 12 months, indicating operational leverage.

Pra Group (PRAA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

PRAA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Mar 02, 2026	2025 (Q4)	0.46 / -	0.47	―	―	―
Nov 03, 2025	2025 (Q3)	0.37 / -10.43	0.69	-1611.59% (-11.12)
Aug 04, 2025	2025 (Q2)	0.44 / 1.08	0.54	100.00% (+0.54)
May 05, 2025	2025 (Q1)	0.44 / 0.09	0.09	0.00% (0.00)
Feb 19, 2025	2024 (Q4)	0.44 / 0.47	-0.22	313.64% (+0.69)
Nov 04, 2024	2024 (Q3)	0.32 / 0.69	-0.31	322.58% (+1.00)
Aug 05, 2024	2024 (Q2)	0.08 / 0.54	-0.1	640.00% (+0.64)
May 06, 2024	2024 (Q1)	-0.05 / 0.09	-1.5	106.00% (+1.59)
Feb 15, 2024	2023 (Q4)	-0.37 / -0.22	0.41	-153.66% (-0.63)
Nov 06, 2023	2023 (Q3)	-0.37 / -0.31	0.63	-149.21% (-0.94)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PRAA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Nov 03, 2025	$14.65	$13.04	-10.99%
Aug 04, 2025	$15.63	$15.56	-0.45%
May 05, 2025	$19.20	$13.57	-29.32%
Feb 19, 2025	$23.66	$22.67	-4.18%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Pra Group Inc. (PRAA) report earnings?

Pra Group Inc. (PRAA) is schdueled to report earning on Mar 02, 2026, After Close (Confirmed).

What is Pra Group Inc. (PRAA) earnings time?

Pra Group Inc. (PRAA) earnings time is at Mar 02, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PRAA EPS forecast?

PRAA EPS forecast for the fiscal quarter 2025 (Q4) is 0.46.

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