PRA Group, Inc.
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $267.90M | $-1.03B | $647.96M | $24.39M |
| FY2015 | $203.00M | $-282.33M | $120.13M | $14.45M |
| FY2016 | $205.90M | $-317.51M | $94.41M | $14.16M |
| FY2017 | $15.48M | $-294.96M | $295.70M | $22.84M |
| FY2018 | $80.87M | $-387.25M | $294.93M | $20.52M |
| FY2019 | $133.39M | $-441.19M | $339.52M | $18.03M |
| FY2020 | $141.70M | $115.00M | $-252.10M | $17.23M |
| FY2021 | $84.93M | $160.38M | $-262.81M | $11.21M |
| FY2022 | $21.59M | $120.45M | $-121.34M | $13.25M |
| FY2023 | $-97.54M | $-234.86M | $355.30M | $2.89M |
| FY2024 | $-94.59M | $-382.47M | $490.84M | $4.05M |
| FY2025 | $-85.54M | $-59.94M | $115.97M | $4.82M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.