PRA Group, Inc. Financial Ratios — PRAA Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	26.71	25.77	27.29	21.57	17.95	8.56	14.51	5.26	6.53	10.39	11.95	7.49	-5.45	4.63	-21.67
Return on Assets (%)	9.75	10.73	12.13	8.06	5.82	2.8	4.79	1.72	2.07	3.36	4.15	2.74	-1.92	1.49	-6.08
Return on Capital (%)	16.3	15.82	16.68	10.96	7.97	4.62	- -	3.79	3.53	2.67	3.57	2.92	- -	2.27	- -
Return on Invested Capital (%)	10.7	11.08	13.18	9.53	7.28	5.02	- -	3.81	3.9	2.88	3.6	2.34	- -	3.31	- -
Gross Margin (%)	69.89	71.6	73.82	73.38	71.51	68.89	58.06	63.62	68.81	59	61.11	56.94	41.37	61.01	63.17
EBITDA Margin (%)	41.36	38.9	43.3	40.92	35.05	29.34	20.37	23.66	26.87	21.26	24.29	17.63	-7.8	19.63	20.94
Operating Margin (%)	38.54	36.45	41.34	38.83	32.94	26.41	17.97	21.46	25.11	19.52	22.89	16.05	-10.12	18.67	20.08
Incremental Operating Margin (%)	54.51	29.27	61.73	26.16	-51.96	82.44	706.19	72.63	52.45	-59.83	141.38	74.09	100.89	90.58	37.84
Pretax Margin (%)	36.49	34.92	38.51	34.17	27.34	16.3	19.5	10.19	11.79	19.61	22.85	16.01	-10.33	9.75	-20.05
Profit Margin (%)	21.96	21.36	23.85	20.04	17.83	10.37	19.99	7.47	8.66	14.02	16.72	12.12	-10.4	6.28	-25.15
Net Income to Common Margin (%)	21.96	21.36	23.85	20.04	17.83	10.37	19.99	7.47	8.66	14.02	16.72	12.12	-10.4	6.28	-25.15
Effective Tax Rate (%)	39.6	39.09	37.5	41.36	34.71	32.13	- -	15.38	16.77	19.72	21.9	23.77	- -	19.19	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	26.71	25.77	27.29	21.57	17.95	8.56	14.51	5.26	6.53	10.39	11.95	7.49	-5.45	4.63	-21.67

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	221	455	452	1,510	1,764	1,860	2,269	3,634	4,671	4,296	3,838	3,614	4,402	3,363	3,729
ST Debt	220	127	- -	28	47	76	99	1,160	1,790	1,578	1,168	1,060	1,438	- -	- -
LT Debt	1	328	452	1,482	1,717	1,784	2,170	2,474	2,882	2,719	2,670	2,554	2,965	3,363	3,729
Total Debt/EBITDA	1.17	1.97	1.42	4.19	5.34	7.62	13.55	17.49	17.47	18.97	14.42	21.22	-70.3	15.25	14.68
Net Debt/EBITDA	1.02	1.83	0.91	4.08	5.13	7.23	12.83	17.02	16.75	18.24	13.86	20.38	-67.7	14.6	14.14
Total Debt/EBIT	1.25	2.1	1.49	4.41	5.68	8.47	15.36	19.29	18.69	20.66	15.3	23.3	-54.19	16.03	15.31
Net Debt/EBIT	1.1	1.95	0.95	4.3	5.45	8.04	14.55	18.76	17.92	19.86	14.71	22.38	-52.19	15.35	14.75
EBITDA to Interest Expense	17.96	25.5	22.01	10.23	5.55	3.19	6.85	1.67	1.85	6.38	6.83	3.3	-0.84	2.49	2.42
EBITDA-CapEx/Interest Expense	17.05	24.72	20.91	9.54	5.3	3	5.91	1.51	1.73	5.89	6.54	3.04	-0.88	2.44	2.37
EBIT to Interest Expense	16.73	23.9	21.01	9.71	5.21	2.87	6.04	1.52	1.73	5.86	6.44	3	-1.09	2.36	2.32
Interest Expense	11	9	14	35	60	77	24	124	144	35	39	52	75	89	105
Common Equity/Total Assets	39.94	43.03	45.59	32.62	32.26	33.18	32.84	32.66	30.81	33.96	35.57	37.68	32.92	31.65	24.6
Long-Term Debt/Equity (%)	0.21	46.24	51.96	164.31	204.48	194.52	190.25	220.08	234.86	197.93	201.53	198.5	239.2	281.76	358.62
Long-Term Debt/Capital (%)	0.19	32.45	38.23	61.34	62.03	60.21	61.4	50.08	47.3	46.55	49.17	48.68	49.7	67.5	73.92
Long-Term Debt/Total Assets (%)	0.12	25.41	28.21	53.35	57.42	56.39	58.64	63.27	65.14	61.05	61.15	61.17	65.51	68.2	73.08
Total Debt/Equity (%)	37.15	64.16	51.96	167.38	210.08	202.82	198.89	323.3	380.71	312.79	289.67	280.9	355.2	281.76	358.62
Total Debt/Capital (%)	33.18	45.04	38.23	62.49	63.73	62.78	64.19	73.57	76.68	73.56	70.68	68.89	73.81	67.5	73.92
Total Debt/Total Assets (%)	20.66	35.26	28.21	54.35	58.99	58.79	61.3	92.95	105.59	96.48	87.89	86.56	97.28	68.2	73.08
Net Debt to Equity	32.67	59.55	33.33	162.99	201.58	192.54	188.32	314.52	364.96	300.71	278.44	269.81	342.06	269.83	345.49
Net Debt/Capital (%)	30.39	43.2	28.42	61.86	62.77	61.56	62.93	73.03	74.98	72.06	69.06	67.23	72.45	66.05	72.72
EBITDA	190	231	318	360	330	244	167	208	267	226	266	170	-63	221	254
EBITDA-CapEx	180	223	302	336	316	230	145	187	249	209	255	157	-66	217	249
Operating Income (Loss)	177	216	304	342	310	220	148	188	250	208	251	155	-81	210	244

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.1	0.95	3.81	0.98	0.87	0.88	0.99	0.54	0.59	0.41	0.32	0.58	0.63	0.49	0.63
Current Ratio	3.66	32.78	33.56	15.5	13.74	13.32	14.65	17.72	18.02	13.75	12.91	13.51	14.19	12.97	18.2
Quick Ratio	3.66	32.78	33.56	16.18	14.18	13.46	15.04	17.72	18	13.75	12.91	13.51	14.19	12.97	18.2
CFO/Avg Current Liab	0.46	0.89	5.87	3.06	1.35	1.17	0.08	0.42	0.69	0.6	0.31	0.08	-0.37	-0.31	-0.28
Common Equity/Total Assets	39.94	43.03	45.59	32.62	32.26	33.18	32.84	32.66	30.81	33.96	35.57	37.68	32.92	31.65	24.6
Long-Term Debt/Equity (%)	0.21	46.24	51.96	164.31	204.48	194.52	190.25	220.08	234.86	197.93	201.53	198.5	239.2	281.76	358.62
Long-Term Debt/Capital (%)	0.19	32.45	38.23	61.34	62.03	60.21	61.4	50.08	47.3	46.55	49.17	48.68	49.7	67.5	73.92
Long-Term Debt/Total Assets (%)	0.12	25.41	28.21	53.35	57.42	56.39	58.64	63.27	65.14	61.05	61.15	61.17	65.51	68.2	73.08
Total Debt/Equity (%)	37.15	64.16	51.96	167.38	210.08	202.82	198.89	323.3	380.71	312.79	289.67	280.9	355.2	281.76	358.62
Total Debt/Capital (%)	33.18	45.04	38.23	62.49	63.73	62.78	64.19	73.57	76.68	73.56	70.68	68.89	73.81	67.5	73.92
Total Debt/Total Assets (%)	20.66	35.26	28.21	54.35	58.99	58.79	61.3	92.95	105.59	96.48	87.89	86.56	97.28	68.2	73.08
CFO/Total Liabilities	36.38	22.64	30.77	14.28	9.44	9.16	0.6	2.9	4.17	4.6	2.79	0.75	-2.97	-2.53	-2.11
CFO/CapEx	17.96	18.47	14.18	10.99	14.04	14.54	0.68	3.94	7.4	8.22	7.57	1.63	-33.78	-23.39	-17.74
Altman's Z-Score	3.95	4.8	5.16	3.42	2.85	2.67	2.35	2.26	2.31	2.35	2.51	2.3	1.88	2.07	1.93

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	0.97	0.59	0.63	0.54	0.45	0.37	0.32	0.3	0.3	0.3	0.32	0.29	0.23	0.29	0.27
Days Sales Outstanding	375.2	623.12	578.09	671.4	814.43	989.14	1,128.89	1,218.31	1,209.99	1,204.02	1,156.41	1,269.5	1,580.79	1,266.22	1,327.94
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	25.91	17.18	14.27	24.35	62.15	77.86	92.52	57.54	59.88	91.47	93.5	74.66	68.92	138.55	- -
Accounts Payable Turnover Days	14.08	21.24	25.58	14.99	5.87	4.69	3.95	6.34	6.1	3.99	3.9	4.89	5.3	2.63	- -
Cash Conversion Cycle	361.12	601.88	552.51	656.4	808.56	984.46	1,124.95	1,211.97	1,203.9	1,200.03	1,152.5	1,264.61	1,575.49	1,263.59	1,327.94
Inventory to Cash Days	375.2	623.12	578.09	671.4	814.43	989.14	1,128.89	1,218.31	1,209.99	1,204.02	1,156.41	1,269.5	1,580.79	1,266.22	1,327.94
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	1,155	1,816	2,661	2,896	1,670	1,811	1,516	1,103	1,648	1,806	2,257	1,339	1,026	823	693
- Cash & Cash Equivalents	27	33	162	40	71	94	121	99	120	109	88	83	113	106	104
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	18	- -	- -	- -	39	53	50	29	58	32	38	59	72	59	60
+ Total Debt	221	455	452	1,510	1,764	1,860	2,269	3,634	4,671	4,296	3,838	3,614	4,402	3,363	3,729
Enterprise Value	1,368	2,238	2,951	4,277	3,328	3,561	3,636	4,667	6,257	6,025	6,046	4,862	5,329	4,083	4,313
Total Capital	667	1,009	1,182	2,417	2,768	2,963	3,534	4,940	6,092	5,840	5,429	5,247	5,964	4,982	5,045
Total Debt/Capital (%)	33.18	45.04	38.23	62.49	63.73	62.78	64.19	73.57	76.68	73.56	70.68	68.89	73.81	67.5	73.92
Total Debt / EV	0.16	0.2	0.15	0.35	0.53	0.52	0.62	0.78	0.75	0.71	0.63	0.74	0.83	0.82	0.86
EV/Sales	2.98	3.78	4.01	4.85	3.53	4.28	4.42	5.32	6.29	5.66	5.52	5.03	6.64	3.63	3.55
EV/EBITDA	7.21	9.71	9.27	11.86	10.08	14.59	21.72	22.47	23.4	26.61	22.72	28.54	249.41	18.51	16.98
EV/EBIT	7.73	10.36	9.71	12.5	10.72	16.21	24.62	24.78	25.03	28.97	24.1	31.34	1,937.11	19.46	17.7
EV/Cash Flow to Firm	7.62	16.35	12.6	14.82	13.76	13.81	87.45	25.1	24.69	35.4	52.41	79.7	- -	- -	108.34
EV/Free Cash Flow to Firm	7.23	15.54	11.8	13.67	12.98	13.09	56.44	22.6	23.05	32.15	47.77	65.48	- -	- -	96.64
Diluted Market Cap	1,163	1,830	2,688	2,921	1,679	1,814	1,521	1,107	1,654	1,819	2,276	1,347	1,026	826	693
Diluted Enterprise Value	1,376	2,252	2,978	4,391	3,411	3,633	3,720	4,671	6,264	6,038	6,065	4,938	5,388	4,142	4,378
EV per Share	26.64	43.89	58.59	85.55	69.14	76.89	79.62	103.08	137.85	132.31	134.48	122.67	136.02	103.67	110.11
TTM Sales	459	593	735	881	942	832	822	878	995	1,065	1,096	967	803	1,124	1,213
TTM EBITDA	190	231	318	360	330	244	167	208	267	226	266	170	-63	221	254
TTM Operating Income	177	216	304	342	310	220	148	188	250	208	251	155	-81	210	244
TTM Cash Flow to Firm	179	137	234	289	242	258	42	186	253	170	115	61	-37	-23	40
TTM Free Cash Flow to Firm	189	144	250	313	256	272	64	206	271	187	127	74	-34	-19	45

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	6.37	13.21	11.15	9.99	7.72	8.24	39.71	10.92	10.93	11.44	23.67	38.67	-10.84	-9.12	-8.58
EV/EBIT	7.73	10.36	9.71	12.5	10.72	16.21	24.62	24.78	25.03	28.97	24.1	31.34	1,937.11	19.46	17.7
Enterprise Value	1,368	2,238	2,951	4,277	3,328	3,561	3,636	4,667	6,257	6,025	6,046	4,862	5,329	4,083	4,313
Low Price	18.92	20.04	33.68	47.53	32.49	20	25.72	22.62	23.97	19.4	32.78	29.68	11.85	18.64	12.29
EV/Sales	2.98	3.78	4.01	4.85	3.53	4.28	4.42	5.32	6.29	5.66	5.52	5.03	6.64	3.63	3.55
EV/EBITDA	7.21	9.71	9.27	11.86	10.08	14.59	21.72	22.47	23.4	26.61	22.72	28.54	249.41	18.51	16.98
Price/Earnings	11.46	14.35	15.18	16.41	9.94	21	9.23	16.83	19.12	12.09	12.33	11.43	- -	11.65	- -
Price/Earnings Average	12.87	11.32	14.07	16.12	15.31	16.15	9.55	24.87	16.41	11.28	9.77	13.19	-12.49	12.68	-2.2
Price/Earnings High	15.44	14.37	18.38	18.41	18.58	21.32	11.87	30.22	20.05	14.44	12.44	17.26	-20.34	17.53	-3.08
Price/Earnings Low	9.64	8.07	9.67	13.46	9.31	10.74	7.15	15.62	12.63	5.92	8.05	10.04	-5.56	10.4	-1.58
Price/Book Value	2.7	3.27	3.65	3.19	1.73	1.72	1.25	0.86	1.21	1.19	1.45	0.85	0.69	0.53	0.55
Price/Book Value Average	3.03	2.58	3.38	3.14	2.67	1.33	1.29	1.28	1.04	1.11	1.15	0.98	0.7	0.57	0.54
Price/Book Value High	3.64	3.28	4.41	3.58	3.23	1.75	1.6	1.55	1.27	1.43	1.47	1.28	1.14	0.79	0.75
Price/Book Value Low	2.27	1.84	2.32	2.62	1.62	0.88	0.97	0.8	0.8	0.58	0.95	0.75	0.31	0.47	0.38
Price/Tangible Book Value	2.23	3.14	3.55	7.96	5.2	4.65	2.57	1.69	2.21	2.05	2.67	1.57	1.27	1.03	0.68
Price/Tangible Book Value Average	2.5	2.48	3.29	7.82	8.02	3.58	2.66	2.49	1.89	1.91	2.12	1.82	1.29	1.12	0.66
Price/Tangible Book Value High	3	3.14	4.3	8.93	9.72	4.72	3.3	3.03	2.32	2.45	2.7	2.38	2.1	1.55	0.93
Price/Tangible Book Value Low	1.87	1.77	2.26	6.53	4.87	2.38	1.99	1.57	1.46	1	1.75	1.38	0.57	0.92	0.48
Price/Sales	2.52	3.06	3.62	3.29	1.77	2.18	1.84	1.26	1.66	1.7	2.06	1.39	1.28	0.73	0.57
Price/Sales Average	2.83	2.42	3.36	3.23	2.73	1.67	1.91	1.86	1.42	1.58	1.63	1.6	1.3	0.8	0.55
Price/Sales High	3.39	3.07	4.38	3.69	3.31	2.21	2.37	2.26	1.74	2.02	2.08	2.09	2.12	1.1	0.77
Price/Sales Low	2.12	1.72	2.31	2.7	1.66	1.11	1.43	1.17	1.09	0.83	1.35	1.22	0.58	0.65	0.4
Price/Cash Flow	6.68	13.82	11.82	10.81	8.22	8.8	97.98	13.65	12.35	12.75	26.58	62.01	-10.52	-8.7	-8.1
Price/Cash Flow Average	7.5	10.91	10.96	10.62	12.67	6.77	101.42	20.16	10.6	11.89	21.08	71.55	-10.69	-9.46	-7.86
Price/Cash Flow High	8.99	13.84	14.31	12.13	15.37	8.93	126.02	24.5	12.95	15.22	26.83	93.62	-17.41	-13.09	-10.98
Price/Cash Flow Low	5.61	7.78	7.53	8.87	7.7	4.5	75.91	12.67	8.16	6.23	17.35	54.49	-4.76	-7.76	-5.63
Price/Free Cash Flow Average	7.15	10.42	10.34	9.82	11.89	6.34	41.1	16.13	9.37	10.67	18.78	44.62	-11.02	-9.93	-8.33
Price/Free Cash Flow High	8.58	13.23	13.5	11.21	14.43	8.37	51.07	19.6	11.46	13.66	23.89	58.38	-17.94	-13.73	-11.63
Price/Free Cash Flow Low	5.35	7.43	7.11	8.2	7.23	4.22	30.76	10.13	7.21	5.6	15.46	33.98	-4.9	-8.14	-5.96
EV/Sales Average	3.29	3.13	3.75	4.9	4.57	3.86	4.58	5.92	6.05	5.54	5.09	5.31	6.73	3.75	3.59
EV/Sales High	3.85	3.78	4.78	5.36	5.15	4.4	5.05	6.32	6.37	5.98	5.54	5.81	7.55	4.05	3.81
EV/Sales Low	2.58	2.44	2.7	4.37	3.5	3.3	4.1	5.23	5.72	4.79	4.8	4.93	6.01	3.6	3.43
EV/EBITDA Average	7.95	8.05	8.66	11.97	13.03	13.16	22.5	25.01	22.52	26.07	20.96	30.14	-86.31	19.09	17.15
EV/EBITDA High	9.32	9.72	11.03	13.09	14.69	14.98	24.77	26.7	23.7	28.15	22.8	32.94	-96.78	20.65	18.2
EV/EBITDA Low	6.24	6.26	6.24	10.67	9.98	11.25	20.14	22.09	21.31	22.53	19.78	27.98	-77.08	18.36	16.4
EV/EBIT Average	8.54	8.59	9.07	12.61	13.87	14.62	25.51	27.57	24.1	28.39	22.24	33.1	-66.54	20.07	17.89
EV/EBIT High	10	10.37	11.55	13.8	15.63	16.64	28.09	29.43	25.35	30.65	24.18	36.18	-74.6	21.71	18.98
EV/EBIT Low	6.69	6.68	6.53	11.24	10.62	12.49	22.84	24.35	22.79	24.53	20.98	30.73	-59.41	19.31	17.1
Last Price	22.51	35.62	52.84	57.93	34.69	39.1	33.2	24.37	36.3	39.66	50.21	33.78	26.2	20.89	17.69
High Price	30.32	35.67	63.96	65	64.82	39.7	42.7	43.75	38.07	47.35	50.67	51	43.34	31.43	23.97
Enterprise Value Average	1,510	1,855	2,757	4,315	4,303	3,212	3,768	5,194	6,023	5,904	5,579	5,135	5,405	4,211	4,358
Enterprise Value High	1,769	2,241	3,511	4,720	4,852	3,658	4,149	5,545	6,337	6,376	6,067	5,612	6,060	4,553	4,624
Enterprise Value Low	1,184	1,444	1,986	3,847	3,296	2,745	3,373	4,588	5,697	5,103	5,262	4,767	4,826	4,050	4,167

Shares Outstanding	51	51	50	50	46	46	45	45	45	46	41	39	39	40	38
Diluted Weighted Avg Shares	52	51	51	50	48	46	46	45	46	46	45	40	39	40	39
Basic Weighted Avg Shares	51	51	50	50	48	46	46	45	45	46	45	40	39	39	39
Revenue per Share	8.94	11.63	14.6	17.62	19.57	17.97	18	19.39	21.93	23.4	24.37	24.38	20.49	28.54	30.97
EBITDA per Share	3.7	4.52	6.32	7.21	6.86	5.27	3.67	4.59	5.89	4.97	5.92	4.3	-1.6	5.6	6.49
Operating Income per Share	3.45	4.24	6.03	6.84	6.45	4.74	3.23	4.16	5.51	4.57	5.58	3.91	-2.07	5.33	6.22
Basic EPS, GAAP	1.96	2.48	3.48	3.53	3.49	1.86	3.6	1.45	1.9	3.28	4.07	2.96	-2.13	1.79	-7.79
Basic EPS from Cont Ops	1.97	2.47	3.51	3.53	3.49	1.99	3.75	1.67	2.15	3.68	4.35	2.98	-1.7	2.25	-7.4
Diluted EPS, GAAP	1.95	2.46	3.45	3.5	3.47	1.86	3.59	1.44	1.89	3.26	4.04	2.94	-2.13	1.79	-7.79
Diluted EPS from Cont Ops	1.96	2.45	3.48	3.5	3.47	1.98	3.73	1.67	2.14	3.66	4.31	2.96	-1.7	2.24	-7.4
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	3.37	2.58	4.47	5.36	4.22	4.45	0.34	1.79	2.94	3.11	1.89	0.54	-2.49	-2.4	-2.18
Free Cash Flow per Basic Share	3.18	2.44	4.15	4.87	3.92	4.14	-0.16	1.33	2.54	2.73	1.64	0.21	-2.56	-2.5	-2.31
Cash & Equivalents per Share	0.52	0.64	3.22	2.59	3.02	3.52	4.35	2.18	2.64	2.39	1.95	3.79	4.39	4.11	4.32
Book Value per Share	8.33	10.88	14.49	18.13	20.05	22.67	26.61	28.2	30.03	33.21	34.55	39.69	38.03	39.63	32.05
Tangible Book Value per Share	10.12	11.35	14.89	7.28	6.67	8.41	12.93	14.45	16.44	19.34	18.79	21.46	20.62	20.24	25.86

PRA Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)