Pra (PRAA) Gross Margin (2009 - 2026)

Pra (PRAA) posted Gross Margin of 95.05% for Q1 2026, little changed sequentially from 95.4% in Q4 2025, and down 15.0% YoY from 111.83% in Q1 2025.

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

Pra (PRAA) has 18 years of Gross Margin data on file, last reported at 95.05% in Q1 2026.

  • Quarterly Gross Margin fell 15.0% year-over-year to 95.05% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 95.11% (up 23.0% YoY) and the FY2025 annual result came in at 95.14%, up 31.0% from the prior year.
  • Gross Margin steadied at 95.05% in Q1 2026 per PRAA's latest filing, from 95.4% in the prior quarter.
  • The five-year high for Gross Margin was 95.4% in Q4 2025, with the low at 91.61% in Q1 2023.
  • Average Gross Margin over 5 years is 94.57%, with a median of 94.95% recorded in 2022.
  • Year-over-year, Gross Margin slumped 334 bps in 2023 and jumped 347 bps in 2024.
  • Pra's Gross Margin stood at 94.72% in 2022, then retreated by 1 bps to 93.99% in 2023, then increased by 0 bps to 94.39% in 2024, then gained by 1 bps to 95.4% in 2025, then slipped by 0 bps to 95.05% in 2026.
  • Business Quant data shows PRAA's Gross Margin at 95.05% in Q1 2026, 95.4% in Q4 2025, and 95.04% in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Gross Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - -
2 Mastercard 465.55 Bn 455.34 Bn - -
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 92.17%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 93.80%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 78.22%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 84.45%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 94.24%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 97.03%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 71.98%
10 Pra 733.98 Mn 675.47 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%