12.71
-1.63%
Close of 9 Nov 2026, in USD
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About PRA Group
From its filings with the US Securities and Exchange Commission
PRA Group is based in Norfolk, Virginia and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker PRAA. The SEC classifies its business as short-term business credit institutions. In the fiscal year to 31 December 2025, it reported revenue of $1.20bn and a net loss of $305.1m. At that date it held total assets of $5.10bn and shareholders' equity of $979.9m. By region, U.S. accounted for 50.9%, followed by Foreign Countries at 35.0% and UNITED KINGDOM at 14.2%.
We are a specialty finance company headquartered in Norfolk, Virginia and incorporated in Delaware. Our primary business is the purchase, collection and management of nonperforming loan portfolios, and we are a global leader in the industry. Most of the loans we purchase are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them ("Core" accounts). To a lesser extent, we also purchase loans in situations where the customer is involved in a bankruptcy or similar proceeding ("Insolvency" accounts). As part of an ancillary business, we purchase and provide fee-based services for class action claims recoveries in the U.S.
We are organized on a geographic basis, with our principal markets in the U.S. and Europe, where we have operations in 12 countries and the United Kingdom ("UK"). On a significantly smaller scale, we also operate in South America, Canada and Australia. Subject to globally-established parameters for capital allocation, portfolio return thresholds and leverage, each market functions under a similar debt management business model, which is predicated on purchasing nonperforming loans and generating returns through disciplined collection strategies over extended collection periods.
Quoted from its 10-K, filed 2 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 8 Nov 2002
- Employees
- 2,615
- Website
- pragroup.com ↗
- Head office
- 120 CORPORATE BLVD STE 100, NORFOLK, VA, 23502
- Incorporated in
- DE
- Classification
- Short-Term Business Credit Institutions
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Steven FredricksonNon-Executive Independent Chairman of the Board, since 1996$349,991
- Mr. Martin SjolundPresident, Chief Executive Officer, Director, since 2015$2.5m
- Mr. Rakesh SehgalChief Financial Officer, Executive Vice President$2.1m
- Mr. R. Owen JamesPresident of PRA Group, Europe$1.8m
- Ms. Latisha TarrantChief Human Resources Officer, Executive Vice President, General Counsel$2.3m
- Mr. Lance WeaverLead Independent Director$292,491
- Dr. Adrian ButlerIndependent Director
- Ms. Marjorie ConnellyIndependent Director$269,991
- Ms. Dame GadhiaIndependent Director$201,245
- Mr. Geir OlsenIndependent Director, since 2014$247,491
- Mr. Brett PaschkeIndependent Director$269,991
- Mr. Scott TabakinIndependent Director$269,991
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 47
- Environment
- 22
- Social
- 55
- Governance
- 63
- Direct emissions (scope 1)
- 38 t
- Energy emissions (scope 2)
- 3,667 t
- Value chain emissions (scope 3)
- 30,264 t
- Women in the workforce
- 64.2%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- PRA Group Inc has several strengths that contribute to its success in the market. These strengths include:
- PRA Group Inc holds a prominent position in the market as a leading debt recovery and management company. This enables the company to access a wide range of debtors and serve numerous clients.
- With years of operational experience, PRA Group Inc has developed deep expertise in debt recovery and management strategies. This enables the company to effectively navigate the complexities of the industry and maximize recovery rates.
- PRA Group Inc has made significant investments in its technology infrastructure, allowing for efficient and streamlined debt collection processes. This technology-driven approach provides a competitive edge and enhances operational efficiency.
Weaknesses
- Despite its strengths, PRA Group Inc also faces certain weaknesses that could impact its performance. These weaknesses include:
- PRA Group Inc's business is considerably influenced by economic conditions. During economic downturns, the company may experience a decrease in debt recoveries as consumers face financial hardships.
- As a debt collection agency, PRA Group Inc faces regulatory compliance risks. Changes in industry regulations or non-compliance with existing regulations could lead to legal issues and reputational damage.
Opportunities
- PRA Group Inc can capitalize on various opportunities in the market to drive growth and success. These opportunities include:
- PRA Group Inc can explore expansion into new geographical markets to diversify its client base and revenue streams. Entering emerging markets or regions with underdeveloped debt recovery industries can provide significant growth potential.
- Forming strategic partnerships with financial institutions or debt originators can enable PRA Group Inc to access a larger pool of debt portfolios. Collaborations can provide mutually beneficial opportunities for both parties involved.
Threats
- PRA Group Inc faces certain threats that need to be carefully addressed to sustain its growth and profitability. These threats include:
- The debt recovery industry is highly competitive, with numerous players vying for market share. PRA Group Inc must continuously innovate and differentiate itself to stay ahead of competitors.
- Fluctuations in the global economy can impact individuals' ability to pay debts, which in turn affects PRA Group Inc's debt recovery rates. Economic volatility poses a significant threat to the company's financial performance.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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