10-Q quarterly report · filed Nov 10, 2025

PRA GROUP INC (PRAA) Q3 2025 10-Q Quarterly Report

Short answer

PRA GROUP INC (PRAA) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $311M (up 10.5% year over year) with net income of −$408M.

Q3 2025 key financials · XBRL

Revenue
$311M
+10.5% YoY · +8.2% QoQ
Net income
−$408M
−1601.4% YoY · −1062.2% QoQ
Operating margin
-101.4%
EPS (diluted)
−$10.36
−1601.4% YoY · −1068.2% QoQ

Source: XBRL data from the PRA GROUP INC (PRAA) Q3 2025 10-Q on SEC EDGAR. USD.

PRA GROUP INC Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • No profitability, margin, or segment performance figures provided in supplied text
  • 2,814 worldwide full-time equivalent employees
  • Outlook risks: tariffs, loan purchasing volumes, collections, credit markets, interest rates, and regulatory actions
  • Strategic focus: U.S. cash-generating and cost-saving initiatives, offshoring, and artificial intelligence utilization

Risk Factors

  • Debt covenant risk: Credit facilities and senior-note indentures restrict dividends, repurchases, and certain transactions
  • Financing risk: New September 30, 2025 European senior-note indenture expanded outstanding debt obligations
  • Liquidity risk: No common-stock repurchases during third quarter 2025 under the $150.0 million authorization

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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