Pra (PRAA) Net Margin (2009 - 2026)
Pra's (PRAA) quarterly Net Margin came in at 10.1% in Q1 2026, up 673.0% year-on-year from 1.31% in Q1 2025, and down 42.2% quarter-over-quarter from 17.48% in Q4 2025.
Pra (PRAA) Net Margin (2009 - 2026) Analysis & Trends
Pra has disclosed Net Margin across 18 years of filings, most recently posting 10.1% for Q1 2026.
- Net Margin for Q1 2026 came in at 10.1%, up 673.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 21.4% (down 2911.0% YoY), and the FY2025 annual result was 24.13%, down 3219.0% from the prior year.
- Net Margin came in at 10.1% for Q1 2026 at Pra, down from 17.48% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 17.48% in Q4 2025 to a low of 129.83% in Q3 2025.
- The 5-year median for Net Margin is 7.99% (2024), against an average of 2.53%.
- Across the five-year window, Net Margin jumped 3927 bps in 2024 and tumbled 14029 bps in 2025, its largest moves.
- Pra's Net Margin stood at 6.98% in 2022, then slumped 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 slumped by 42 bps to 10.1% in 2026.
- The last three Net Margin figures came in at 10.1% (Q1 2026), 17.48% (Q4 2025), and 129.83% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 53.62% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 46.23% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 15.71% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 13.66% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 13.32% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 16.44% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 30.76% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 15.15% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 13.84% |
| 10 | Pra | 614.27 Mn | 555.76 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% |