Pra (PRAA) Gross Margin (2009 - 2026)

Pra's (PRAA) quarterly Gross Margin came in at 95.05% in Q1 2026, down 15.0% year-on-year from 111.83% in Q1 2025, and little changed quarter-over-quarter from 95.4% in Q4 2025.

Pra (PRAA) Gross Margin (2009 - 2026) Analysis & Trends

Pra has disclosed Gross Margin across 18 years of filings, most recently posting 95.05% for Q1 2026.

  • Gross Margin for Q1 2026 came in at 95.05%, down 15.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 95.11% (up 23.0% YoY), and the FY2025 annual result was 95.14%, up 31.0% from the prior year.
  • Gross Margin came in at 95.05% for Q1 2026 at Pra, roughly flat from 95.4% in the prior quarter.
  • In the past five years, Gross Margin ranged from a high of 95.4% in Q4 2025 to a low of 91.61% in Q1 2023.
  • The 5-year median for Gross Margin is 94.95% (2022), against an average of 94.57%.
  • Across the five-year window, Gross Margin plunged 334 bps in 2023 and soared 347 bps in 2024, its largest moves.
  • Pra's Gross Margin stood at 94.72% in 2022, then dropped by 1 bps to 93.99% in 2023, then advanced by 0 bps to 94.39% in 2024, then grew by 1 bps to 95.4% in 2025, then fell by 0 bps to 95.05% in 2026.
  • The last three Gross Margin figures came in at 95.05% (Q1 2026), 95.4% (Q4 2025), and 95.04% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Gross Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - -
2 Mastercard 437.55 Bn 427.34 Bn - -
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 92.17%
4 Capital One Financial 112.47 Bn 35.97 Bn - -
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 93.80%
6 Synchrony Financial 24.26 Bn 3.70 Bn - -
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 78.22%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 84.45%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 94.24%
10 Pra 614.27 Mn 555.76 Mn 298.97 Mn 95.05%

Historic Data

Download Data
DateValue
Mar 31, 2026 95.05%
Dec 31, 2025 95.40%
Sep 30, 2025 95.04%
Jun 30, 2025 94.91%
Mar 31, 2025 95.20%
Dec 31, 2024 94.39%
Sep 30, 2024 94.95%
Jun 30, 2024 94.99%
Mar 31, 2024 95.08%
Dec 31, 2023 93.99%
Sep 30, 2023 94.29%
Jun 30, 2023 93.69%
Mar 31, 2023 91.61%
Dec 31, 2022 94.72%
Sep 30, 2022 94.39%
Jun 30, 2022 95.07%
Mar 31, 2022 94.95%
Dec 31, 2021 92.73%
Sep 30, 2021 93.79%
Jun 30, 2021 94.66%