PRA Group Inc (PRAA) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of PRA Group Inc $14.66, price $20.11, upside -27.1%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $10.42 – $50.46 · fair‑value band $11.05 – $18.26 · the $20.11 price screens above the $14.66 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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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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. 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 $20.11, while our model-based Fair Value estimate is $14.66, implying the stock looks roughly 37.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $18.85 per share, and 1 of the 3 models we run sit above the $20.11 price.
Bear case: the Asset-Based group reads lowest at $17.21, and 2 of the 3 models stay below the price. Evidence for this calculation is medium.
Scenario range: $11.05 (bear) to $18.26 (bull), the price of $20.11 sits above 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 38/100 (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 $788M · P/S ratio 0.46 · EPS (TTM) $−7.12 · Net margin −24.6% · Return on equity −22.8% · Return on assets (EBIT) 6.6% · Operating margin 32.8% · Revenue (TTM) $1.2B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 10% below its 52-week high and 93% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −27%, PRAA screens cheaper than that median.
Fair Value models
Bear $11.05Fair Value $14.66Bull $18.26
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
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.10/100
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%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
38.8% (2014) → 24.9% (2019)
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
Price, fair value, quality and upside side by side.
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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 · 332 stocks
Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside−29% · Below median
Profitability
Return on assets5% · Top 25%
Net margin (TTM)−23% · Bottom 25%
Operating margin (TTM)33% · Above median
Growth and dividend
Revenue growth17% · Above median
Balance sheet
Debt / equity3.77× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/B0.82× · Cheaper than median
P/S (TTM)0.65× · Cheapest 25%
EV/EBITDA10.5× · Cheaper than median
PEG5.88× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 50
FUTURE (revenue growth)84· sector 39
PAST (return on equity)0· sector 32
HEALTH (low debt)0· sector 58
DIVIDEND (yield)0· sector 65
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Sep 23, 2026, our model estimates a fair value of $14.66 versus a price of $20.11, about −27% upside (overvalued).
What is the fair value of PRAA?
Our model-based fair value for PRA Group Inc is $14.66 (as of Sep 23, 2026), built from audited fundamentals. The current price: $20.11.
What is the quality score of PRAA?
PRA Group Inc has a Quality Score of 38/100. 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 model-based price target is the fair value of $14.66 (as of Sep 23, 2026) from 5 valuation models. Cautious scenario $11.05, optimistic scenario $18.26. It is a calculation from audited fundamentals, not an analyst target.
What is the PRA Group Inc stock forecast for 2026?
Our models put fair value at $14.66, about −27% upside versus a price of $20.11 (overvalued). Cautious scenario $11.05, optimistic scenario $18.26. 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 $1.2B (latest available figure, as of Sep 23, 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 $14.66 per share (as of Sep 23, 2026), against a price of $20.11. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is PRA Group Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PRAA trades above its calculated fair value: price $20.11, fair value $14.66, a gap of about −27% (overvalued). 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 ($20.11); the fair value is what the company's own numbers justify ($14.66). For PRA Group Inc the two are $5.46 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 $788M (market capitalisation, as of Sep 23, 2026). Per share that is $20.11; our models calculate a fair value of $14.66 per share.
What do the bullish and bearish scenarios say about PRAA?
Our models span a range for PRA Group Inc: cautious scenario $11.05, base $14.66, optimistic $18.26 per share (as of Sep 23, 2026, price $20.11). The range comes from different growth and margin assumptions, not from analyst opinions.
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 Sep 23, 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 Sep 23, 2026): return on equity −22.8%, debt of 3.77 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is PRAA from its 52-week high?
PRA Group Inc trades at $20.11, about 10% below its 52-week high of $22.23 and 93% above the low of $10.42 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $14.66 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 Sep 23, 2026: price $20.11, calculated fair value $14.66 (−27%), Quality Score 38/100, from 5 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PRAA calculated?
We run PRA Group Inc through 5 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $14.66, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. PRA Group Inc itself currently trades above fair value. 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 Sep 23, 2026 was $20.11. Our model-based fair value is $14.66, about −27% upside (overvalued). 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 above even our optimistic bull case ($18.26). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 $788M. 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 0.46 (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 $−7.12. 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 −24.6% (fiscal year 2025). 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 −22.8% (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 32.8% (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 +16.7% 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 +711% 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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Sep 23, 2026