PRA GroupPRAA +2.21%59 Current Ratio is 23.37 as of Mar. 2026, which is 55% above its 10-year median of 15.04. GuruFocus rates PRAA with a GF Score™ of 59/100 and a GF Value™ of $26.20 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 394 Credit Services companies, PRA Group ranks better than 65.99% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. PRA Group's current ratio for the quarter that ended in Mar. 2026 was 23.37.
PRA Group has a current ratio of 23.37. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for PRA Group's Current Ratio or its related term are showing as below:
PRAA'
s Current Ratio Range Over the Past 10 Years
Min: 12.13 Med: 15.04 Max: 23.37
Current: 23.37
During the past 13 years, PRA Group's highest Current Ratio was 23.37. The lowest was 12.13. And the median was 15.04.
PRAA's Current Ratio is ranked better than 65.99% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs PRAA: 23.37
PRA Group (NAS:PRAA) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
PRA Group Current Ratio Related Terms
PRA Group Current Ratio Historical Data
* Premium members only.
The historical data trend for PRA Group's Current Ratio 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.
For the Credit Services subindustry, PRA Group's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where PRA Group's Current Ratio 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 Current Ratio of 23.37 as of Mar. 2026. This is 55% above median its historical median of 15.04. Over the past decade, PRA Group's Current Ratio has ranged from 12.13 to 23.37. According to the industry distribution chart, PRA Group ranks #134 out of 394 companies in the Credit Services industry, placing it in the top 34%.
Is PRA Group's Current Ratio too high?
PRA Group's current Current Ratio of 23.37 is 55% above median its 10-year median of 15.04. Over the past 10 years, this metric has ranged from a low of 12.13 to a high of 23.37. The Credit Services industry median Current Ratio is 5.06. PRA Group's value of 23.37 is 362.3% above this industry median. Based on the distribution chart, PRA Group ranks #134 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, PRA Group has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Current Ratio compare to TROO and HTT?
According to the Credit Services industry distribution chart, PRA Group ranks #134 out of 394 companies for Current Ratio. This puts PRA Group in the upper half of its industry. The industry median Current Ratio is 5.06. PRA Group's value of 23.37 is 362.3% above this benchmark. Historically, PRA Group's own Current Ratio has ranged from 12.13 to 23.37 over the past decade. While the company's 10-year median is 15.04 vs. the industry median of 5.06, PRA Group has consistently been above 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Current Ratio of 23.37 is 362.3% above 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Current Ratio is 23.37, which is 55% above median its own 10-year median of 15.04. 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 Possible Value Trap. The stock's GF Value™ is $26.20, compared to a current price of $18.03 — trading 31.2% below its estimated fair value. The current Current Ratio is 23.37, which is 55% above median its 10-year median of 15.04 and 362.3% above the Credit Services industry median of 5.06. PRA Group's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For PRA Group (PRAA), the current Current Ratio is 23.37 as of Mar. 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 $18.03 is trading 31.2% below its estimated GF Value™ of $26.20.
GuruFocus considers PRA Group to be Possible Value Trap.
Key valuation signals for PRAA:
Current Ratio: 23.37 (55% above median its 10-year median of 15.04)
GF Value™: $26.20 vs. price of $18.03 (31.2% below fair value)
Industry Position: 362.3% above the Credit Services median (#134 of 394)
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.
59GF Score
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