Pra (PRAA) Net Margin (2009 - 2026)

Pra (PRAA) posted Net Margin of 10.1% for Q1 2026, down 43.13% sequentially from 17.76% in Q4 2025, and up 673.0% YoY from 1.31% in Q1 2025.

Analysis

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

Pra has reported Net Margin for 18 years, with the latest figure 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 21.5% (down 2915.0% YoY) and the FY2025 annual result came in at 24.13%, down 3207.0% from the prior year.
Net Margin slipped to 10.1% in Q1 2026 per PRAA's latest filing, from 17.76% in the prior quarter.
Over five years, Net Margin peaked at 17.76% in Q4 2025 and troughed at 129.83% in Q3 2025.
A 5-year average of 2.5% and a median of 7.77% in 2024 frame the typical range for Net Margin.
The sharpest annual moves came in 2022 and 2024: Net Margin plunged 245370 bps in 2022, then jumped 3930 bps in 2024.
Over 5 years, Net Margin stood at 7.66% in 2022, then slumped by 135 bps to 2.7% in 2023, then soared by 388 bps to 7.77% in 2024, then surged by 129 bps to 17.76% in 2025, then slumped by 43 bps to 10.1% in 2026.
According to Business Quant data, Net Margin over the past three periods registered 10.1%, 17.76%, and 129.83% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Set

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	Net Margin (Qtr)
1	Visa	680.39 Bn	668.03 Bn	-	48.38%
2	Mastercard	518.33 Bn	504.84 Bn	-	47.30%
3	American Express	224.91 Bn	175.59 Bn	17.99 Bn	15.84%
4	Capital One Financial	132.31 Bn	77.60 Bn	-	18.52%
5	PayPal Holdings	46.25 Bn	35.00 Bn	-	12.72%
6	Affirm Holdings	26.22 Bn	24.59 Bn	-	138.65%
7	Synchrony Financial	25.37 Bn	9.17 Bn	-	17.93%
8	SoFi Technologies	23.30 Bn	20.18 Bn	1.02 Bn	12.85%
9	Ally Financial	12.85 Bn	5.01 Bn	2.08 Bn	16.05%
10	Pra	720.58 Mn	655.58 Mn	356.41 Mn	15.84%

Historic Data

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