All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2022-03-03.
From the record
PRA Group, Inc.'s filings since 2017 show 3 warning events of 2 kinds: an auditor change (8-K item 4.01, 2 times, the latest 2022-03-03); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2019-03-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+2.9% a year over 10 filed years; profitable in 8 of 10.
From the record
PRA Group, Inc.'s 10 filed years say what it did: revenue went from $931 million in fiscal 2016 to $1.2 billion in fiscal 2025, up 2.9% a year; it rose in 6 of 9 years; the deepest fall was 27% from fiscal 2021 to fiscal 2023; net income was positive in 8 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 6.9/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: PRA Group, Inc.'s shareholder treatment is put at 6.9 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the top 31% of 19 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE -31%: lost 31¢ per shareholder dollar. Leverage 81%: owes 81¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, PRA Group, Inc. lost about 31 cents for every dollar of shareholders' money. Leverage: it owed about 81 cents per dollar of assets, and net share issuance: its share count shrank 0.9% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 42% of 19 in its family; net margin -25.4%.
From the record
PRA Group, Inc.'s standing among 19 graded names in its industry family: revenue of $1.2 billion in fiscal 2025 ranks in the top 32% by size; a net margin of -25.4% ranks in the bottom 24%; revenue growth of 7.5% a year over the last 3 filed years ranks in the bottom 34% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 31% of 14 in its family for leadership; chief executive since 2026.
From the record
PRA Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Sjolund, Martin (President and CEO, as filed), filing under that title since 2026-03-11, 8 months (bottom 11% of its family); the 11 officers and directors filing in the last fifteen months have been on the record a median of 6.4 years (top 46%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 11 people in charge now (bottom 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 34% of 19 in its family for room to expand.
From the record
PRA Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $104 million against debt of $3.7 billion leaves -70.4% of its assets as net cash, bottom 24% of its family; cash from operations less capital spending is -7.5% of revenue (bottom 45%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 43% of 19 in its family for growth drivers.
From the record
PRA Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 7.5% a year over the last three filed years against 2.9% over all 10, speeding up (top 34% of its family); the newest year grew 7.8% (bottom 29%); research spending grew 0% a year (top 42%); capital spending grew -28.6% a year (bottom 18%) (its annual reports). PRA Group, Inc. reported 3 lines of business in fiscal 2025: Total Reportable at $1.1 billion, United States at $611 million, Europe at $461 million. 3 of 3 grew in the latest filed year, and the largest line is 50% of revenue (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 22% of 17 in its family for expectations against reality.
From the record
PRA Group, Inc.'s newest year against its own record: revenue of $1.2 billion in fiscal 2025 came in 0.4% above the $1.2 billion its prior three years' pace pointed to (bottom 44% of its family); net income of $305 million against a prior three-year average of $35 million (bottom 6%); a net margin of -25.4% against 2.7% before (bottom 15%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made