Pra (PRAA) EBT Margin (2009 - 2026)
Pra (PRAA) posted EBT Margin of 12.89% for Q1 2026, down 29.41% sequentially from 18.26% in Q4 2025, and up 791.0% YoY from 1.45% in Q1 2025.
Pra (PRAA) EBT Margin (2009 - 2026) Analysis & Trends
Pra (PRAA) has 18 years of EBT Margin data on file, last reported at 12.89% in Q1 2026.
- Quarterly EBT Margin rose 791.0% year-over-year to 12.89% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 17.3% (down 2707.0% YoY) and the FY2025 annual result came in at 20.24%, down 3022.0% from the prior year.
- EBT Margin slipped to 12.89% in Q1 2026 per PRAA's latest filing, from 18.26% in the prior quarter.
- The five-year high for EBT Margin was 21.51% in Q2 2025, with the low at 122.0% in Q3 2025.
- Average EBT Margin over 5 years is 0.76%, with a median of 10.21% recorded in 2024.
- Year-over-year, EBT Margin surged 5222 bps in 2024 and plunged 13221 bps in 2025.
- Pra's EBT Margin stood at 9.83% in 2022, then sank by 129 bps to 2.86% in 2023, then surged by 510 bps to 11.72% in 2024, then jumped by 56 bps to 18.26% in 2025, then decreased by 29 bps to 12.89% in 2026.
- Business Quant data shows PRAA's EBT Margin at 12.89% in Q1 2026, 18.26% in Q4 2025, and 122.0% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | Pra | 733.98 Mn | 675.47 Mn | 298.97 Mn | 12.89% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 12.89% |
| Dec 31, 2025 | 18.26% |
| Sep 30, 2025 | -122.00% |
| Jun 30, 2025 | 21.51% |
| Mar 31, 2025 | 4.97% |
| Dec 31, 2024 | 11.72% |
| Sep 30, 2024 | 10.21% |
| Jun 30, 2024 | 11.90% |
| Mar 31, 2024 | 5.53% |
| Dec 31, 2023 | -2.86% |
| Sep 30, 2023 | -2.94% |
| Jun 30, 2023 | 1.33% |
| Mar 31, 2023 | -46.69% |
| Dec 31, 2022 | 9.83% |
| Sep 30, 2022 | 16.33% |
| Jun 30, 2022 | 20.64% |
| Mar 31, 2022 | 16.51% |
| Dec 31, 2021 | 21.05% |
| Sep 30, 2021 | 19.20% |
| Jun 30, 2021 | 25.64% |