Pra (PRAA) Net Margin (2009 - 2026)
Pra (PRAA) posted Net Margin of 10.1% for Q1 2026, down 42.2% sequentially from 17.48% in Q4 2025, and up 673.0% YoY from 1.31% in Q1 2025.
Pra (PRAA) Net Margin (2009 - 2026) Analysis & Trends
Pra (PRAA) has 18 years of Net Margin data on file, last reported at 10.1% in Q1 2026.
- Quarterly Net Margin rose 673.0% year-over-year to 10.1% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 21.4% (down 2911.0% YoY) and the FY2025 annual result came in at 24.13%, down 3219.0% from the prior year.
- Net Margin slipped to 10.1% in Q1 2026 per PRAA's latest filing, from 17.48% in the prior quarter.
- The five-year high for Net Margin was 17.48% in Q4 2025, with the low at 129.83% in Q3 2025.
- Average Net Margin over 5 years is 2.53%, with a median of 7.99% recorded in 2024.
- Year-over-year, Net Margin surged 3927 bps in 2024 and sank 14029 bps in 2025.
- Pra's Net Margin stood at 6.98% in 2022, then tumbled by 136 bps to 2.51% in 2023, then surged by 419 bps to 7.99% in 2024, then jumped by 119 bps to 17.48% in 2025, then tumbled by 42 bps to 10.1% in 2026.
- Business Quant data shows PRAA's Net Margin at 10.1% in Q1 2026, 17.48% in Q4 2025, and 129.83% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 53.62% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 46.23% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 15.71% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 13.32% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 30.76% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 15.15% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 13.84% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 21.04% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 14.05% |
| 10 | Pra | 733.98 Mn | 675.47 Mn | 298.97 Mn | 10.10% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 10.10% |
| Dec 31, 2025 | 17.48% |
| Sep 30, 2025 | -129.83% |
| Jun 30, 2025 | 16.08% |
| Mar 31, 2025 | 3.37% |
| Dec 31, 2024 | 7.99% |
| Sep 30, 2024 | 10.45% |
| Jun 30, 2024 | 8.84% |
| Mar 31, 2024 | 4.60% |
| Dec 31, 2023 | -2.51% |
| Sep 30, 2023 | -3.77% |
| Jun 30, 2023 | 0.56% |
| Mar 31, 2023 | -34.67% |
| Dec 31, 2022 | 6.98% |
| Sep 30, 2022 | 11.61% |
| Jun 30, 2022 | 15.15% |
| Mar 31, 2022 | 14.58% |
| Dec 31, 2021 | 15.53% |
| Sep 30, 2021 | 14.28% |
| Jun 30, 2021 | 14.26% |