PRA Group Q4 net income $56.5M, full year net loss $305M on $413M goodwill charge; cash collections up 13.6%

PRA GROUP INC

2025-FY EPS reported -$7.79 revenue$1,201,837,000

Q4 net income $56.5M ($1.46 diluted EPS); full year net loss $305.1M ($7.79 loss) driven by $412.6M Q3 goodwill impairment.
Total cash collections up 13.6% in Q4 to $531.7M; full year up 12.8% to $2.1B.
Portfolio purchases $314.8M in Q4, $1.2B for full year; record ERC of $8.6B.
Adjusted net income attributable to PRA $72.6M ($1.84 adjusted EPS) for full year, excluding impairment and Brazil gain.
Company introduced PRA 3.0 strategy and repurchased $10M of shares in Q4, totaling $20M in 2025.

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