PRA Group EBITDA 2011-2026 | PRAA

Earnings before Interest, Taxes, Depreciation, and Amortization (EBITDA), is an often used measure of a company's profitability. Financial analysts use EBITDA for a number of purposes including calculating simple valuations of a firm, estimating cash flows, and assessing debt servicing capability. The uses for EBITDA in financial analysis are numerous, but in practice should be more restrained. While EBITDA has some useful applications, it should be used with caution, as the problems with EBITDA are abundant and can lead to a number of misguided conclusions.^[1]

EBITDA is an important indicator for investors and analysts because it allows them to evaluate a company's operating profit without considering the impact of financial expenses, taxes, or non-cash depreciation and amortization. It provides better comparability between companies in different industries or with different tax conditions.

EBITDA is often used to assess a company's ability to generate cash flow and repay debts. It can also serve as a measure of a company's operational efficiency, as it shows how profitable the core business is, regardless of external factors such as interest or taxes.

However, it is important to note that EBITDA is not an official financial statement measure and can be defined and calculated differently by companies. Therefore, investors and analysts should exercise caution when using EBITDA as an evaluation tool and combine it with other financial metrics and information to get a more complete picture of a company's financial condition.

Annual EBITDA PRA Group

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
-21.5 M	350 M	114 M	301 M	390 M	524 M	455 M	353 M	350 M	375 M	460 M	500 M	443 M	337 M	190 M

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
524 M	-21.5 M	341 M

Quarterly EBITDA PRA Group

2025-Q3	2025-Q2	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
-	87.6 M	-	92.4 M	91.9 M	69.1 M	-	46.3 M	49 M	-30.1 M	-	-	87.6 M	75.7 M	-	81.3 M	108 M	115 M	-	93 M	273 M	64.6 M	-	68.7 M	68.1 M	53.4 M	-	48.9 M	59.8 M	58.5 M	-	59.1 M	53.4 M	58.5 M	-	72 M	77.1 M	75.2 M	-	57.9 M	92.8 M	100 M	-	91.8 M	75.5 M	74.4 M	-	82.1 M	76.2 M	68.1 M	-	59.3 M	56.7 M	46.6 M	-	45.9 M	47.6 M	44.7 M

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
273 M	-30.1 M	73.3 M

References

Brockman, C. M., & Russell, J. W. (2012). EBITDA: use it... or lose it?. International Journal of Business, Accounting and Finance, 6(2), 84-93.

EBITDA of other stocks in the Payment services industry

Issuer	EBITDA	Price	% 24h	Market Cap	Country
Qiwi plc QIWI	12 B	-	-	-	Cyprus
LendingClub Corporation LC	3.2 M	$ 14.68	-0.03 %	$ 1.68 B	USA
Jianpu Technology JT	54.3 M	-	7.78 %	$ 331 M	-
Pintec Technology Holdings Limited PT	-59 M	-	-	$ 671 M	China
Ally Financial ALLY	1.4 B	$ 39.66	1.12 %	$ 12.3 B	USA
CURO Group Holdings Corp. CURO	13.2 M	-	-6.4 %	$ 7.82 M	USA
Discover Financial Services DFS	71 M	-	-0.21 %	$ 50.2 B	USA
Alliance Data Systems Corporation ADS	964 M	-	-1.74 %	$ 2.84 B	USA
Capital One Financial Corporation COF	5.26 B	$ 186.07	1.13 %	$ 101 B	USA
Xiaobai Maimai Inc. HX	-67.9 M	-	-10.24 %	$ 37.1 M	China
Dragon Victory International Limited LYL	-3.86 M	-	-2.89 %	$ 13.5 M	China
Marlin Business Services Corp. MRLN	37.8 M	-	-0.17 %	$ 276 M	USA
Owl Rock Capital Corporation ORCC	329 M	-	-0.15 %	$ 5.25 B	USA
Santander Consumer USA Holdings Inc. SC	9.17 B	-	1.44 %	$ 13 B	USA
Goldman Sachs BDC, Inc. GSBD	54.3 M	$ 9.19	-0.59 %	$ 371 M	USA
Barings BDC, Inc. BBDC	41.2 M	$ 8.23	-1.14 %	$ 395 M	USA
OneMain Holdings OMF	287 M	$ 53.49	1.58 %	$ 6.35 B	USA
Oportun Financial Corporation OPRT	54.9 M	$ 4.61	-0.11 %	$ 170 M	USA
Senmiao Technology Limited AIHS	-2.95 M	$ 1.48	-1.95 %	$ 15.6 M	China
Credit Acceptance Corporation CACC	3.6 M	$ 439.79	0.35 %	$ 5.04 B	USA
Atlanticus Holdings Corporation ATLC	9.9 M	$ 56.41	0.17 %	$ 853 M	USA
EZCORP EZPW	182 M	$ 26.4	1.85 %	$ 1.52 B	USA
Medallion Financial Corp. MFIN	8.32 M	$ 8.36	-4.35 %	$ 190 M	USA
PayPal Holdings PYPL	7.03 B	$ 44.35	-2.51 %	$ 42.5 B	USA
Navient Corporation NAVI	8 M	$ 8.21	-0.42 %	$ 895 M	USA
LexinFintech Holdings Ltd. LX	90.8 M	$ 2.33	-2.83 %	$ 772 M	China
Nicholas Financial NICK	-5.46 M	-	-0.16 %	$ 45.1 M	USA
Nelnet NNI	90.6 M	$ 129.35	0.36 %	$ 4.7 B	USA
Elevate Credit ELVT	37.8 M	-	-	$ 58.8 M	USA
SLM Corporation SLM	16.2 M	$ 20.59	2.34 %	$ 4.27 B	USA
Security National Financial Corporation SNFCA	2.43 M	$ 9.29	-0.43 %	$ 230 M	USA
FlexShopper FPAY	18.8 M	-	2.7 %	$ 4.12 M	USA
Synchrony Financial SYF	514 M	$ 67.77	1.83 %	$ 25.1 B	USA
Enova International ENVA	781 M	$ 138.53	0.86 %	$ 3.49 B	USA
FirstCash FCFS	300 M	$ 195.52	0.98 %	$ 8.66 B	USA
FinVolution Group FINV	37.3 M	$ 5.06	-0.59 %	$ 6.52 B	USA
Green Dot Corporation GDOT	78.4 M	$ 11.29	0.18 %	$ 622 M	USA
360 DigiTech QFIN	7.6 B	$ 13.42	-0.75 %	$ 4 B	China
Regional Management Corp. RM	16.2 M	$ 32.65	0.28 %	$ 308 M	USA
Mastercard Inc. MA	20 B	$ 499.75	-0.13 %	$ 452 B	USA
MoneyGram International MGI	144 M	-	-	$ 1.07 B	USA
World Acceptance Corporation WRLD	6.33 M	$ 136.88	0.41 %	$ 743 M	USA
Qudian QD	944 M	-	-	$ 634 M	China
American Express Company AXP	1.78 B	$ 302.55	0.21 %	$ 210 B	USA
X Financial XYF	1.88 B	$ 4.57	-0.65 %	$ 1.32 B	-
Consumer Portfolio Services CPSS	881 K	$ 7.7	-0.26 %	$ 169 M	USA
Yiren Digital Ltd. YRD	6.78 M	$ 1.81	-1.09 %	$ 306 M	China