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PRA Group Inc (PRAA) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of PRA Group Inc stock $13.18, price $11.96, upside +10.2%, quality 40 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services US

PG PRA Group Inc logo Thin data Nov 10, 2026

PRA Group Inc

PRAA · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Solidly profitable · 12.1% net margin (TTM)
Costs just 3 times its yearly profit.
Fair value $13.18 · Fairly valued
Quality 40/100
Mixed Growth (revenue 5y +3.1 %/yr in USD)
Mixed vs. peers (6/13)
Moderate moat 47/100
Thin data
Estimate
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$50.46 $10.42 Fair Value $13.18 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $10.42 – $50.46 · fair‑value band $9.88 – $16.47 · the $11.96 price screens below the $13.18 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia.

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The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed.

It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries.

In addition, the company is involved in core and insolvency nonperforming loans include general purpose and private label credit cards, consumer loans, auto loans, overdrafts and small business loans.

The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.

Stock analysis

PRA Group Inc (PRAA) currently trades at $11.96, while our estimate is $13.18, so the stock looks roughly fairly valued today (gap 9.3%).

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $9.88 (bear) to $16.47 (bull), the price of $11.96 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

PRA Group Inc reported revenue of $1.2B in FY2025 versus $1.1B in FY2021, a compound +3.1%/yr. Reported net income was −$305M in FY2025.

Key figures

Market cap $458M Small · P/E ratio 3.0 · P/S ratio 0.35 · EPS (TTM) $4.05 · Net margin 12.1% · Return on equity 15.9% · Return on assets (EBIT) 6.6% (5-year average) · Operating margin 30.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).

What moves the price

The share trades about 46% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 10%, PRAA screens cheaper than that median.

Fair Value

Bear $9.88 Fair Value $13.18 Bull $16.47
Price $11.96 · Upside +10.2%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 40/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 10
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 7
Debt, balance sheet and risk of trouble
Investment 89
Does it invest with discipline instead of growing at any price?
Low Volatility 25
How calm the share price moves, does not count
Price momentum 20
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 13
Distance to the 52-week high, does not count
New shares 95
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plus 13 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 10, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 34/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+10.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.1%
Start year 2020 (pandemic). Over 10 years: +2.8% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.1%
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Compare PRA Group Inc with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks

Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 40 · Bottom 25%
Fair Value upside +10.2% · Above median
Profitability
Return on equity (12 months) 15.9% · Top 25%
Return on assets −6.0% · Bottom 25%
Net margin (12 months) 12.1% · Below median
Operating margin (12 months) 30.0% · Below median
Growth and dividend
Revenue growth (quarter YoY) −8.0% · Bottom 25%
Balance sheet
Debt / equity 3.77× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 3.0× · Cheapest 25%
P/B 0.47× · Cheapest 25%
P/S (12 months) 0.35× · Cheapest 25%
EV/EBITDA 8.5× · Cheaper than median
PEG 5.88× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)47 · sector 47
FUTURE (revenue growth)0 · sector 55
PAST (return on equity)64 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 63

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs PRAA
PayPal Holdings PYPL $58.78 $107.45 +83% vs PRAA
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs PRAA
Affirm Holdings AFRM $65.95 $74.92 +14% vs PRAA
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs PRAA
American Express Company AXP $323.46 $210.02 −35% vs PRAA
Visa Inc V $423.00 $242.87 −43% vs PRAA
Mastercard Incorporated MA $658.84 $360.13 −45% vs PRAA
Capital One Financial Corporation COF $195.84 $106.81 −45% vs PRAA
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs PRAA

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PRA Group Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "PRA Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/PRAA

Frequently asked questions

Is PRA Group Inc (PRAA) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $13.18 versus a price of $11.96, about +10% upside (fairly valued).
What is the fair value of PRAA?
Our estimate for PRA Group Inc is $13.18 (as of Nov 10, 2026), built from audited fundamentals. The current price: $11.96.
What is the quality score of PRAA?
PRA Group Inc has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for PRA Group Inc (PRAA)?
Our calculated price target is the estimate of $13.18 (as of Nov 10, 2026). Cautious scenario $9.88, optimistic scenario $16.47. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the PRA Group Inc stock forecast for 2026?
Our estimate puts fair value at $13.18, about +10% upside versus a price of $11.96 (fairly valued). Cautious scenario $9.88, optimistic scenario $16.47. The calculation is refreshed regularly with new filings.
What is the revenue of PRA Group Inc (PRAA)?
PRA Group Inc reported trailing-twelve-month revenue of about $1.3B (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of PRA Group Inc (PRAA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PRA Group Inc it is $13.18 per share (as of Nov 10, 2026), against a price of $11.96.
Is PRA Group Inc stock overvalued or undervalued in 2026?
As of Nov 10, 2026, PRAA trades below its calculated fair value: price $11.96, fair value $13.18, a gap of about +10% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PRAA?
No. The price is what the market pays today ($11.96); the fair value is what the company's own numbers justify ($13.18). For PRA Group Inc the two are $1.22 per share apart. That gap is exactly why we show both numbers side by side.
How much is PRA Group Inc worth?
The market values PRA Group Inc at about $458M (market capitalisation, as of Nov 10, 2026). Per share that is $11.96; our models calculate a fair value of $13.18 per share.
What do the bullish and bearish scenarios say about PRAA?
Our models span a range for PRA Group Inc: cautious scenario $9.88, base $13.18, optimistic $16.47 per share (as of Nov 10, 2026, price $11.96). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PRAA?
PRA Group Inc trades at a price-to-earnings ratio of 3.0 (as of Nov 10, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.18 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 6.5 (the reported result was a loss). Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings, FY2025 ex one-offs: 12.2. Other multiples: PEG 5.9, P/B 0.5, P/S 0.4, EV/EBITDA 8.5.
What is the PEG ratio of PRAA?
The PEG ratio of PRA Group Inc is 5.88 (P/E divided by earnings growth, as of Nov 10, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of PRA Group Inc (PRAA)?
Balance-sheet figures for PRA Group Inc (as of Nov 10, 2026): return on equity 15.9%, debt of 3.77 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is PRAA from its 52-week high?
PRA Group Inc trades at $11.96, about 46% below its 52-week high of $22.23 and 15% above the low of $10.42 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $13.18 is for.
Which stocks are comparable to PRA Group Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is PRA Group Inc stock attractive at the current price?
The data as of Nov 10, 2026: price $11.96, calculated fair value $13.18 (+10%), Quality Score 40/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. PRA Group Inc currently trades 9% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of PRA Group Inc (PRAA)?
The closing price on Nov 10, 2026 was $11.96. Our estimate is $13.18, about +10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PRA Group Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of PRA Group Inc

How large is the market capitalisation of PRA Group Inc (PRAA)?
The market capitalisation of PRA Group Inc is $458M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of PRA Group Inc (PRAA)?
The price-to-sales ratio of PRA Group Inc is 0.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of PRA Group Inc (PRAA)?
Earnings per share at PRA Group Inc are $4.05 (price ÷ EPS = P/E 3.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of PRA Group Inc (PRAA)?
The net margin of PRA Group Inc is 12.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of PRA Group Inc (PRAA)?
The return on equity (ROE) of PRA Group Inc is 15.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of PRA Group Inc (PRAA)?
On an EBIT basis the return on assets of PRA Group Inc is 6.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of PRA Group Inc (PRAA)?
The operating margin of PRA Group Inc is 30.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PRA Group Inc (PRAA)?
Revenue at PRA Group Inc is growing −8.0% versus a year earlier (3y avg +8.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at PRA Group Inc (PRAA)?
Earnings per share at PRA Group Inc are growing +40.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does PRA Group Inc (PRAA) generate?
The free cash flow of PRA Group Inc is −$90.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does PRA Group Inc (PRAA) hold?
PRA Group Inc holds more cash than debt, $72.2M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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