PRA Group Inc - Asset Resilience Ratio
PRA Group Inc (PRAA) has an Asset Resilience Ratio of 1.26% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See how liquid is PRA Group Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2004–2024)
This chart shows how PRA Group Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see PRAA current and non-current assets.
Liquid Assets Composition Over Time
This chart breaks down PRA Group Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore PRA Group Inc strategic investment ratio to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $63.23 Million | 1.26% |
| Total Liquid Assets | $63.23 Million | 1.26% |
Asset Resilience Insights
- Limited Liquidity: PRA Group Inc maintains only 1.26% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
PRA Group Inc Industry Peers by Asset Resilience Ratio
Compare PRA Group Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Direct Finance TA
TA:DIFI |
Credit Services | 0.01% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
Latitude Group Holdings Ltd
AU:LFS |
Credit Services | 3.67% |
|
OppFi Inc
NYSE:OPFI |
Credit Services | 6.56% |
|
Starteck Finance Limited
NSE:STARTECK |
Credit Services | 0.02% |
|
Mint Corp
V:MIT |
Credit Services | 0.00% |
|
Williamson Magor & Company Limited
NSE:WILLAMAGOR |
Credit Services | 0.06% |
|
Butn Ltd
AU:BTN |
Credit Services | 3.72% |
Annual Asset Resilience Ratio for PRA Group Inc (2004–2024)
The table below shows the annual Asset Resilience Ratio data for PRA Group Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 1.13% | $55.76 Million | $4.93 Billion | -0.18pp |
| 2023-12-31 | 1.31% | $59.47 Million | $4.53 Billion | -0.29pp |
| 2022-12-31 | 1.60% | $66.81 Million | $4.18 Billion | +1.46pp |
| 2021-12-31 | 0.14% | $6.25 Million | $4.37 Billion | +0.14pp |
| 2019-12-31 | 0.01% | $323.00K | $4.42 Billion | -0.01pp |
| 2018-12-31 | 0.02% | $779.00K | $3.91 Billion | -2.10pp |
| 2017-12-31 | 2.12% | $78.29 Million | $3.70 Billion | -0.05pp |
| 2016-12-31 | 2.17% | $68.54 Million | $3.16 Billion | -0.30pp |
| 2015-12-31 | 2.47% | $73.80 Million | $2.99 Billion | -0.76pp |
| 2014-12-31 | 3.23% | $89.70 Million | $2.78 Billion | -- |
| 2013-12-31 | 0.00% | $0.00 | $1.60 Billion | -- |
| 2012-12-31 | 0.00% | $0.00 | $1.29 Billion | -- |
| 2011-12-31 | 0.00% | $0.00 | $1.07 Billion | -- |
| 2010-12-31 | 0.00% | $0.00 | $995.91 Million | -- |
| 2004-12-31 | 13.67% | $23.95 Million | $175.18 Million | -- |
About PRA Group Inc
PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. The company purchases accounts that are primarily unpaid obligations of individuals owed to credit originators. It also purchases and collects nonperforming loans, which are sold by credit originators when they choose not to pursue, or have been unsucc… Read more