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| Date | Value |
|---|---|
| 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% |