PRA Group Q1 2025: portfolio purchases up 19%, record ERC $7.8B, net income $3.7M

PRA GROUP INC

2025-Q1 EPS reported $0.09 revenue$269,619,000

Portfolio purchases $291.7M (+18.7% YoY); record ERC $7.8B (+20.1%).
Total cash collections $497.4M (+10.7% YoY); cash efficiency ratio 60.8% (+284 bps).
Net income $3.7M; diluted EPS $0.09 (flat YoY); adjusted EBITDA $1.2B (+13.5%).
U.S. Q1 seasonal tax-refund collections below model, lowering profitability vs prior quarters.
New CEO Martin Sjolund appointed; financial targets unchanged except return on tangible equity likely below ~12%.

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