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PRA GroupPRAA -0.67%65 3-Year EPS without NRI Growth Rate is -14.30% as of Jun. 2026. GuruFocus rates PRAA with a GF Score™ of 65/100 and a GF Value™ of $24.93 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 432 Credit Services companies, PRA Group ranks worse than 80.56% on this metric.
During the past 12 months, PRA Group's average EPS without NRI Growth Rate was 57.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -14.30% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of PRA Group was 110.80% per year. The lowest was -39.30% per year. And the median was 20.45% per year.
PRA Group (NAS:PRAA) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
PRA Group 3-Year EPS without NRI Growth Rate Related Terms
PRAA vs GDOT, OPFI, NAVI: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, PRA Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where PRA Group's 3-Year EPS without NRI Growth Rate falls into.
PRA Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -14.30% mean?
PRA Group (PRAA) has a 3-Year EPS without NRI Growth Rate of -14.30% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for PRA Group and its competitors. According to the industry distribution chart, PRA Group ranks #348 out of 432 companies in the Credit Services industry, placing it in the top 80.6%.
Is PRA Group's 3-Year EPS without NRI Growth Rate too high?
PRA Group's current 3-Year EPS without NRI Growth Rate is -14.30%. Based on the distribution chart, PRA Group ranks #348 out of 432 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PRA Group's 3-Year EPS without NRI Growth Rate compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #348 out of 432 companies for 3-Year EPS without NRI Growth Rate. This places PRA Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.50, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for PRA Group and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current 3-Year EPS without NRI Growth Rate is -14.30%. 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 $24.93, compared to a current price of $19.15 — trading 23.2% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -14.30%. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For PRA Group (PRAA), the current 3-Year EPS without NRI Growth Rate is -14.30% 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 $19.15 is trading 23.2% below its estimated GF Value™ of $24.93.
GuruFocus considers PRA Group to be Modestly Undervalued.
Key valuation signals for PRAA:
3-Year EPS without NRI Growth Rate: -14.30%
GF Value™: $24.93 vs. price of $19.15 (23.2% below fair value)
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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