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PRA GroupPRAA +0.47%65 Cash-to-Debt is 0.07 as of Jun. 2026, which is 40% above its 10-year median of 0.05. GuruFocus rates PRAA with a GF Score™ of 65/100 and a GF Value™ of $24.90 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 516 Credit Services companies, PRA Group ranks worse than 67.83% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. PRA Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.07.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, PRA Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for PRA Group's Cash-to-Debt or its related term are showing as below:
PRAA'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.05 Max: 0.07
Current: 0.07
During the past 13 years, PRA Group's highest Cash to Debt Ratio was 0.07. The lowest was 0.02. And the median was 0.05.
PRAA's Cash-to-Debt is ranked worse than 67.83% of 516
companies
in the Credit Services industry
Industry Median: 0.19
vs PRAA: 0.07
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
PRA Group Cash-to-Debt Related Terms
PRA Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PRA Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, PRA Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PRA Group Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PRA Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PRA Group (PRAA) has a Cash-to-Debt of 0.07 as of Jun. 2026. This is 40% above median its historical median of 0.05. Over the past decade, PRA Group's Cash-to-Debt has ranged from 0.02 to 0.07. According to the industry distribution chart, PRA Group ranks #350 out of 516 companies in the Credit Services industry, placing it in the top 67.8%.
Is PRA Group's Cash-to-Debt too high?
PRA Group's current Cash-to-Debt of 0.07 is 40% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.07. The Credit Services industry median Cash-to-Debt is 0.19. PRA Group's value of 0.07 is 63.2% below this industry median. Based on the distribution chart, PRA Group ranks #350 out of 516 companies in the Credit Services industry, which is below the industry midpoint. Overall, PRA Group has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Cash-to-Debt compare to GDOT and FINV?
According to the Credit Services industry distribution chart, PRA Group ranks #350 out of 516 companies for Cash-to-Debt. This places PRA Group in the lower half of its industry. The industry median Cash-to-Debt is 0.19. PRA Group's value of 0.07 is 63.2% below this benchmark. Historically, PRA Group's own Cash-to-Debt has ranged from 0.02 to 0.07 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.19, PRA Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Cash-to-Debt of 0.07 is 63.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Cash-to-Debt is 0.07, which is 40% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PRA Group stock overvalued right now?
Based on GuruFocus' analysis, PRA Group (PRAA) is currently considered Modestly Undervalued. The stock's GF Value™ is $24.90, compared to a current price of $19.11 — trading 23.3% below its estimated fair value. The current Cash-to-Debt is 0.07, which is 40% above median its 10-year median of 0.05 and 63.2% below the Credit Services industry median of 0.19. PRA Group's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For PRA Group (PRAA), the current Cash-to-Debt is 0.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PRA Group (PRAA) Overvalued in 2026?
Based on GuruFocus' analysis, PRA Group stock appears to be undervalued.
The current stock price of $19.11 is trading 23.3% below its estimated GF Value™ of $24.90.
GuruFocus considers PRA Group to be Modestly Undervalued.
Key valuation signals for PRAA:
Cash-to-Debt: 0.07 (40% above median its 10-year median of 0.05)
GF Value™: $24.90 vs. price of $19.11 (23.3% below fair value)
Industry Position: 63.2% below the Credit Services median (#350 of 516)
No single metric tells the full story. See the PRAA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PRA Group Inc is a specialty finance company engaged in the purchase, collection, and management of nonperforming loan portfolios. The majority of the loans it purchases are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them (Core accounts). To a lesser extent, the company also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding (Insolvency accounts). As part of an ancillary business, it also purchases and provides fee-based services for class action claims recoveries in the U.S. The company has two operating and reportable segments, comprised of its U.S. and European businesses. The majority of its revenue is generated from the United States.
65GF Score
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