PRAAPRA Group, Inc.

$664M

Q3 2020 Earnings

Financial Services Financial - Credit Services

Income Statement

Revenue

$268M+8.8% YoY

Gross Profit

$171M63.7% margin

Operating Income

$89M33.1% margin

Net Income

$42M15.9% margin

EPS (Diluted)

$0.92

QoQ Revenue Growth

-1.5%

Cash Flow

Operating Cash Flow

$9M

Free Cash Flow

$7M

Stock-Based Comp.

$3M

Balance Sheet

Total Assets

$4.2B

Total Liabilities

$2.9B

Stockholders' Equity

$1.2B

Cash & Equivalents

$93M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$268M	$246M	+8.8%
Gross Profit	$171M	$146M	+17.2%
Operating Income	$89M	$65M	+37.1%
Net Income	$42M	$25M	+70.2%

Geographic Segments

UNITED STATES

$172M74%

Foreign Countries

$61M26%

PRAA Q3 2020 Earnings — PRA Group, Inc. Revenue & Financial Results | Market Cap Arena