Pra (PRAA) Operating Margin (2009 - 2026)
Pra (PRAA) posted Operating Margin of 32.83% for Q1 2026, down 11.43% sequentially from 37.07% in Q4 2025, and up 509.0% YoY from 5.39% in Q1 2025.
Pra (PRAA) Operating Margin (2009 - 2026) Analysis & Trends
Pra (PRAA) has 18 years of Operating Margin data on file, last reported at 32.83% in Q1 2026.
- Quarterly Operating Margin rose 509.0% year-over-year to 32.83% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.13% (down 3134.0% YoY) and the FY2025 annual result came in at 2.52%, down 3346.0% from the prior year.
- Operating Margin fell to 32.83% in Q1 2026 per PRAA's latest filing, from 37.07% in the prior quarter.
- The five-year high for Operating Margin was 37.07% in Q4 2025, with the low at 101.42% in Q3 2025.
- Average Operating Margin over 5 years is 18.01%, with a median of 29.94% recorded in 2025.
- Year-over-year, Operating Margin surged 4762 bps in 2024 and plunged 13393 bps in 2025.
- Pra's Operating Margin stood at 24.28% in 2022, then decreased by 20 bps to 19.48% in 2023, then jumped by 70 bps to 33.03% in 2024, then rose by 12 bps to 37.07% in 2025, then declined by 11 bps to 32.83% in 2026.
- Business Quant data shows PRAA's Operating Margin at 32.83% in Q1 2026, 37.07% in Q4 2025, and 101.42% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 26.44% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 3.39% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 35.49% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Pra | 733.98 Mn | 675.47 Mn | 298.97 Mn | 32.83% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 32.83% |
| Dec 31, 2025 | 37.07% |
| Sep 30, 2025 | -101.42% |
| Jun 30, 2025 | 29.94% |
| Mar 31, 2025 | 27.74% |
| Dec 31, 2024 | 33.03% |
| Sep 30, 2024 | 32.51% |
| Jun 30, 2024 | 31.39% |
| Mar 31, 2024 | 25.98% |
| Dec 31, 2023 | 19.48% |
| Sep 30, 2023 | 19.89% |
| Jun 30, 2023 | 22.18% |
| Mar 31, 2023 | -21.64% |
| Dec 31, 2022 | 24.28% |
| Sep 30, 2022 | 30.23% |
| Jun 30, 2022 | 32.42% |
| Mar 31, 2022 | 30.31% |
| Dec 31, 2021 | 35.17% |
| Sep 30, 2021 | 30.22% |
| Jun 30, 2021 | 36.87% |