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PRA GroupPRAA -1.58%65 Debt-to-Equity is 3.80 as of Mar. 2026, which is 72% above its 10-year median of 2.21. GuruFocus rates PRAA with a GF Score™ of 65/100 and a GF Value™ of $26.16 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 455 Credit Services companies, PRA Group ranks worse than 78.24% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for PRA Group's Debt-to-Equity or its related term are showing as below:
PRAA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.69 Med: 2.21 Max: 3.92
Current: 3.8
During the past 13 years, the highest Debt-to-Equity Ratio of PRA Group was 3.92. The lowest was 1.69. And the median was 2.21.
PRAA's Debt-to-Equity is ranked worse than 78.24% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs PRAA: 3.80
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
PRA Group Debt-to-Equity Related Terms
PRA Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for PRA Group's Debt-to-Equity 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-Equity Comparison
For the Credit Services subindustry, PRA Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where PRA Group's Debt-to-Equity 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 Debt-to-Equity of 3.80 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PRA Group and its competitors. This is 72% above median its historical median of 2.21. Over the past decade, PRA Group's Debt-to-Equity has ranged from 1.69 to 3.92. According to the industry distribution chart, PRA Group ranks #356 out of 455 companies in the Credit Services industry, placing it in the top 78.2%.
Is PRA Group's Debt-to-Equity too high?
PRA Group's current Debt-to-Equity of 3.80 is 72% above median its 10-year median of 2.21. Over the past 10 years, this metric has ranged from a low of 1.69 to a high of 3.92. The Credit Services industry median Debt-to-Equity is 1.23. PRA Group's value of 3.80 is 208.9% above this industry median. Based on the distribution chart, PRA Group ranks #356 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PRA Group has a GF Score™ of 65/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Debt-to-Equity compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #356 out of 455 companies for Debt-to-Equity. This places PRA Group in the lower half of its industry. The industry median Debt-to-Equity is 1.23. PRA Group's value of 3.80 is 208.9% above this benchmark. Historically, PRA Group's own Debt-to-Equity has ranged from 1.69 to 3.92 over the past decade. While the company's 10-year median is 2.21 vs. the industry median of 1.23, 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Debt-to-Equity of 3.80 is 208.9% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PRA Group and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Debt-to-Equity is 3.80, which is 72% above median its own 10-year median of 2.21. 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 $26.16, compared to a current price of $18.12 — trading 30.7% below its estimated fair value. The current Debt-to-Equity is 3.80, which is 72% above median its 10-year median of 2.21 and 208.9% above the Credit Services industry median of 1.23. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PRA Group (PRAA), the current Debt-to-Equity is 3.80 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 $18.12 is trading 30.7% below its estimated GF Value™ of $26.16.
GuruFocus considers PRA Group to be Possible Value Trap.
Key valuation signals for PRAA:
Debt-to-Equity: 3.80 (72% above median its 10-year median of 2.21)
GF Value™: $26.16 vs. price of $18.12 (30.7% below fair value)
Industry Position: 208.9% above the Credit Services median (#356 of 455)
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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