Pra (PRAA) Gross Margin (2009 - 2026)
Pra (PRAA) posted Gross Margin of 95.05% for Q1 2026, little changed sequentially from 95.32% in Q4 2025, and down 15.0% YoY from 111.83% in Q1 2025.
Analysis
Pra (PRAA) Gross Margin (2009 - 2026) Analysis & Trends
Pra has reported Gross Margin for 18 years, with the latest figure 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 95.09% (up 18.0% YoY) and the FY2025 annual result came in at 95.14%, up 24.0% from the prior year.
- Gross Margin held at 95.05% in Q1 2026 per PRAA's latest filing, from 95.32% in the prior quarter.
- Over five years, Gross Margin peaked at 95.32% in Q4 2025 and troughed at 91.61% in Q1 2023.
- A 5-year average of 94.52% and a median of 94.95% in 2022 frame the typical range for Gross Margin.
- The sharpest annual moves came in 2022 and 2023: Gross Margin jumped 61031 bps in 2022, then plunged 334 bps in 2023.
- Over 5 years, Gross Margin stood at 94.21% in 2022, then slipped by 1 bps to 93.54% in 2023, then advanced by 1 bps to 94.55% in 2024, then advanced by 1 bps to 95.32% in 2025, then decreased by 0 bps to 95.05% in 2026.
- According to Business Quant data, Gross Margin over the past three periods registered 95.05%, 95.32%, and 95.04% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | - |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | - |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 91.60% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | - |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | - |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | - |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 83.58% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 90.90% |
| 10 | Pra | 720.58 Mn | 655.58 Mn | 356.41 Mn | 95.77% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 95.77% |
| Mar 31, 2026 | 95.05% |
| Dec 31, 2025 | 95.32% |
| Sep 30, 2025 | 95.04% |
| Jun 30, 2025 | 94.97% |
| Mar 31, 2025 | 95.22% |
| Dec 31, 2024 | 94.55% |
| Sep 30, 2024 | 95.04% |
| Jun 30, 2024 | 94.99% |
| Mar 31, 2024 | 95.08% |
| Dec 31, 2023 | 93.66% |
| Sep 30, 2023 | 94.29% |
| Jun 30, 2023 | 93.81% |
| Mar 31, 2023 | 91.61% |
| Dec 31, 2022 | 94.21% |
| Sep 30, 2022 | 94.63% |
| Jun 30, 2022 | 95.07% |
| Mar 31, 2022 | 95.01% |
| Dec 31, 2021 | 93.37% |
| Sep 30, 2021 | 93.96% |