PRA GroupPRAA +1.23%63 Debt-to-EBITDA is 13.14 as of Mar. 2026, which is 26% above its 10-year median of 10.47. GuruFocus rates PRAA with a GF Score™ of 63/100 and a GF Value™ of $26.17 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 282 Credit Services companies, PRA Group ranks worse than 354609.57% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for PRA Group's Debt-to-EBITDA or its related term are showing as below:
PRAA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -47.34 Med: 10.47 Max: 16.08
Current: -39.19
During the past 13 years, the highest Debt-to-EBITDA Ratio of PRA Group was 16.08. The lowest was -47.34. And the median was 10.47.
PRAA's Debt-to-EBITDA is ranked worse than 100% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs PRAA: -39.19
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
PRA Group Debt-to-EBITDA Related Terms
PRA Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for PRA Group's Debt-to-EBITDA 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.
PRAA vs GDOT, OPFI, NAVI: Debt-to-EBITDA Comparison
For the Credit Services subindustry, PRA Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PRA Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
PRA Group (PRAA) has a Debt-to-EBITDA of 13.14 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PRA Group. This is 26% above median its historical median of 10.47. According to the industry distribution chart, PRA Group ranks #999999 out of 282 companies in the Credit Services industry.
Is PRA Group's Debt-to-EBITDA too high?
PRA Group's current Debt-to-EBITDA of 13.14 is 26% above median its 10-year median of 10.47. The Credit Services industry median Debt-to-EBITDA is 9.30. PRA Group's value of 13.14 is 41.3% above this industry median. Based on the distribution chart, PRA Group ranks #999999 out of 282 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PRA Group has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Debt-to-EBITDA compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #999999 out of 282 companies for Debt-to-EBITDA. This places PRA Group in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. PRA Group's value of 13.14 is 41.3% above this benchmark. While the company's 10-year median is 10.47 vs. the industry median of 9.30, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Debt-to-EBITDA of 13.14 is 41.3% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PRA Group. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Debt-to-EBITDA is 13.14, which is 26% above median its own 10-year median of 10.47. 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 $26.17, compared to a current price of $18.49 — trading 29.3% below its estimated fair value. The current Debt-to-EBITDA is 13.14, which is 26% above median its 10-year median of 10.47 and 41.3% above the Credit Services industry median of 9.30. PRA Group's overall GF Score™ is 63/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For PRA Group (PRAA), the current Debt-to-EBITDA is 13.14 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 $18.49 is trading 29.3% below its estimated GF Value™ of $26.17.
GuruFocus considers PRA Group to be Modestly Undervalued.
Key valuation signals for PRAA:
Debt-to-EBITDA: 13.14 (26% above median its 10-year median of 10.47)
GF Value™: $26.17 vs. price of $18.49 (29.3% below fair value)
Industry Position: 41.3% above the Credit Services median (#999999 of 282)
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.
63GF Score
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