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PRA GroupPRAA +2.16%61 EV-to-EBIT is -41.09 as of Jul. 16, 2026. GuruFocus rates PRAA with a GF Score™ of 61/100 and a GF Value™ of $26.16 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 311 Credit Services companies, PRA Group ranks worse than 321543.09% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
PRA Group's Enterprise Value for the quarter that ended in Mar. 2026 was $4,305 Mil.
PRA Group's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-106 Mil.
* 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 EV-to-EBIT Related Terms
PRA Group EV-to-EBIT Historical Data
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The historical data trend for PRA Group's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where PRA Group's EV-to-EBIT falls into.
PRA Group's current Enterprise Value is $4,340 Mil.
PRA Group's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-106 Mil.
* 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 EV-to-EBIT of -41.09 as of Jul. 16, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on PRA Group and its competitors. According to the industry distribution chart, PRA Group ranks #999999 out of 311 companies in the Credit Services industry.
Is PRA Group's EV-to-EBIT too high?
PRA Group's current EV-to-EBIT is -41.09. Based on the distribution chart, PRA Group ranks #999999 out of 311 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PRA Group has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PRA Group's EV-to-EBIT compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #999999 out of 311 companies for EV-to-EBIT. This places PRA Group in the lower half of its industry. The industry median EV-to-EBIT is 23.66. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.66, based on 311 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on PRA Group and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current EV-to-EBIT is -41.09. 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 $26.16, compared to a current price of $18.41 — trading 29.6% below its estimated fair value. The current EV-to-EBIT is -41.09. PRA Group's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For PRA Group (PRAA), the current EV-to-EBIT is -41.09 as of Jul. 16, 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 $18.41 is trading 29.6% below its estimated GF Value™ of $26.16.
GuruFocus considers PRA Group to be Modestly Undervalued.
Key valuation signals for PRAA:
EV-to-EBIT: -41.09
GF Value™: $26.16 vs. price of $18.41 (29.6% 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.
61GF Score
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