PRA Group (FRA:POV1) Cyclically Adjusted FCF per Share: €0.49 (As of Jun. 2026)

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FRA:POV1 PRA Group Inc FRA:POV1
65 GF Score
Price €15.30
GF Value €19.94
! 3 Warning Signs
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What is PRA Group Cyclically Adjusted FCF per Share?

PRA Group FRA:POV1 +2.00% 65 Cyclically Adjusted FCF per Share is €0.49 as of Jun. 2026. GuruFocus rates FRA:POV1 with a GF Score™ of 65/100 and a GF Value™ of €19.94. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

PRA Group's adjusted free cash flow per share for the three months ended in Jun. 2026 was €-0.877. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €0.49 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PRA Group's average Cyclically Adjusted FCF Growth Rate was -49.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -35.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -23.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -8.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of PRA Group was 15.60% per year. The lowest was -35.60% per year. And the median was 1.30% per year.

As of today (2026-09-09), PRA Group's current stock price is €15.30. PRA Group's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €0.49. PRA Group's Cyclically Adjusted Price-to-FCF of today is 31.22.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PRA Group was 34.92. The lowest was 5.13. And the median was 11.87.


PRA Group  (FRA:POV1) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

PRA Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=15.30/0.49
=31.22

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of PRA Group was 34.92. The lowest was 5.13. And the median was 11.87.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


PRA Group Cyclically Adjusted FCF per Share Related Terms


PRA Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for PRA Group's Cyclically Adjusted FCF per Share 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.

PRA Group Cyclically Adjusted FCF per Share Chart

PRA Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.74 2.89 2.17 1.42 0.70

PRA Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.01 0.94 0.70 0.76 0.49

FRA:POV1 vs GDOT, FINV, OPFI: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, PRA Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PRA Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where PRA Group's Cyclically Adjusted Price-to-FCF falls into.


FRA:POV1
65GF Score
PRA Group Inc FRA:POV1
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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PRA Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PRA Group's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-0.877/333.9520*333.9520
=-0.877

Current CPI (Jun. 2026) = 333.9520.

PRA Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.643 241.428 0.889
201612 1.726 241.432 2.387
201703 0.596 243.801 0.816
201706 -0.985 244.955 -1.343
201709 0.180 246.819 0.244
201712 0.078 246.524 0.106
201803 0.478 249.554 0.640
201806 -0.135 251.989 -0.179
201809 0.600 252.439 0.794
201812 0.175 251.233 0.233
201903 0.204 254.202 0.268
201906 0.289 256.143 0.377
201909 0.607 256.759 0.789
201912 1.172 256.974 1.523
202003 0.774 258.115 1.001
202006 1.405 257.797 1.820
202009 0.121 260.280 0.155
202012 0.109 260.474 0.140
202103 0.326 264.877 0.411
202106 -0.005 271.696 -0.006
202109 0.260 274.310 0.317
202112 0.857 278.802 1.027
202203 -0.582 287.504 -0.676
202206 -0.557 296.311 -0.628
202209 0.925 296.808 1.041
202212 0.541 296.797 0.609
202303 -1.147 301.836 -1.269
202306 -0.801 305.109 -0.877
202309 -0.923 307.789 -1.001
202312 0.471 306.746 0.513
202403 -1.714 312.332 -1.833
202406 -0.724 314.175 -0.770
202409 -0.823 315.301 -0.872
202412 1.005 315.605 1.063
202503 -1.246 319.799 -1.301
202506 -0.312 322.561 -0.323
202509 -0.247 324.800 -0.254
202512 -0.250 324.054 -0.258
202603 0.528 330.213 0.534
202606 -0.877 333.952 -0.877

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €0.49 mean?
PRA Group (FRA:POV1) has a Cyclically Adjusted FCF per Share of €0.49 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on PRA Group and its competitors.
Is PRA Group's Cyclically Adjusted FCF per Share too high?
PRA Group's current Cyclically Adjusted FCF per Share is €0.49. Overall, PRA Group has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Cyclically Adjusted FCF per Share compare to GDOT and FINV?
PRA Group's Cyclically Adjusted FCF per Share of €0.49 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on PRA Group and its competitors. PRA Group's current Cyclically Adjusted FCF per Share is €0.49. 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?
PRA Group (FRA:POV1) has a current Cyclically Adjusted FCF per Share of €0.49. The stock's GF Value™ is €19.94, compared to a current price of €15.30 — trading 23.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is €0.49. 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 Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For PRA Group (FRA:POV1), the current Cyclically Adjusted FCF per Share is €0.49 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 (FRA:POV1) Overvalued in 2026?

Based on GuruFocus' analysis, PRA Group stock appears to be undervalued. The current stock price of €15.30 is trading 23.3% below its estimated GF Value™ of €19.94.

Key valuation signals for FRA:POV1:

  • Cyclically Adjusted FCF per Share: €0.49
  • GF Value™: €19.94 vs. price of €15.30 (23.3% below fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the FRA:POV1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PRA Group Business Description

Other Exchanges PRAA:USA
Address 120 Corporate Boulevard, Norfolk, VA, USA, 23502
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

Get the complete analysis for FRA:POV1

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€15.30
Price
€19.94
GF Value