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PRA Group (PRAA) investor relations material
PRA Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary4 Aug, 2025
Executive summary
Net income rose 97% year-over-year to $42.4M in Q2 2025, including a ~$30M after-tax gain from the sale of a Brazilian equity interest.
Cash collections increased 13% to $536M, with record estimated remaining collections (ERC) of $8.3B, up 22% year-over-year.
Adjusted EBITDA for the last 12 months rose 16% to $1.24B, outpacing cash collections growth.
Strong European performance and ongoing U.S. transformation, leveraging European success to drive operational improvements.
Six consecutive quarters of profitability, with momentum accelerating into H2 2025.
Financial highlights
Q2 2025 portfolio purchases were $347M, with Americas at $199M and Europe at $147M; purchases declined 9% year-over-year.
Net income was $42M ($1.08 EPS), or $13M ($0.32 EPS) excluding the one-time gain.
Revenues increased 1% year-over-year to $284M; operating expenses rose 4% to $203M, mainly due to legal and agency fees.
Portfolio income up 20% year-over-year, driven by recent investments at higher purchase price multiples.
Finance receivables, net, increased 10% since December 2024 to $4.6B.
Outlook and guidance
Management is focused on optimizing investments, operational execution, and expense management to drive long-term improvement.
Estimated forward flow commitments of $311M over the next 12 months support future portfolio growth.
On track to meet $1.2B purchase target, high single-digit cash collections growth, and 60%+ cash efficiency for the full year.
Longer-term strategic updates anticipated early next year.
Explain the U.S. business transformation.
Detail forward flow commitments' composition.
How does call center offshoring impact expenses?
How will U.S. operations be restructured?
What drove the Q2 collections overperformance?
When will longer-term strategic updates be given?
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Q3 20253 Nov, 2025
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PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in Europe and North America. The company purchases or services portfolios of delinquent or charged-off receivables from various financial institutions, governmental agencies, and utility providers; and provides accounts receivable management services to its clients.
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