Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, PRA Group's Enterprise Value is $4,324 Mil.
PRA Group's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $-106 Mil. Therefore, PRA Group's EV-to-EBIT ratio for today is -40.95.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, PRA Group's Enterprise Value is $4,324 Mil.
PRA Group's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $-97 Mil. Therefore, PRA Group's EV-to-EBITDA ratio for today is -44.47.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, PRA Group's Enterprise Value is $4,324 Mil.
PRA Group's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was $1,259 Mil. Therefore, PRA Group's EV-to-Revenue ratio for today is 3.44.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, PRA Group's Enterprise Value is $4,324 Mil.
PRA Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-13 Mil. Therefore, PRA Group's EV-to-FCF ratio for today is -323.78.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
PRA Group (NAS:PRAA) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
PRA Group's current Enterprise Value is $4,324 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.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
PRA Group's current Enterprise Value is $4,324 Mil.
PRA Group's EBITDA 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 $-97 Mil.
PRA Group's current Enterprise Value is $4,324 Mil.
PRA Group's Revenue 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 $1,259 Mil.
PRA Group's current Enterprise Value is $4,324 Mil.
PRA Group's Cash Flow from Operations 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 $-8 Mil.
PRA Group's current Enterprise Value is $4,324 Mil.
PRA Group's Free Cash Flow 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 $-13 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 Enterprise Value Related Terms
PRA Group Enterprise Value Historical Data
* Premium members only.
The historical data trend for PRA Group's Enterprise Value 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 TROO, HTT, OPFI: Enterprise Value Comparison
For the Credit Services subindustry, PRA Group's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Enterprise Value distribution charts can be found below:
* The bar in red indicates where PRA Group's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
PRA Group's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Enterprise Value of $4,324 Mil as of Jun. 24, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on PRA Group and its competitors.
Is PRA Group's Enterprise Value too high?
PRA Group's current Enterprise Value is $4,324 Mil. Overall, PRA Group has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Enterprise Value compare to TROO and HTT?
PRA Group's Enterprise Value of $4,324 Mil 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 Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on PRA Group and its competitors. PRA Group's current Enterprise Value is $4,324 Mil. 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 $26.20, compared to a current price of $18.03 — trading 31.2% below its estimated fair value. The current Enterprise Value is $4,324 Mil. PRA Group's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For PRA Group (PRAA), the current Enterprise Value is $4,324 Mil as of Jun. 24, 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 $18.03 is trading 31.2% below its estimated GF Value™ of $26.20.
GuruFocus considers PRA Group to be Possible Value Trap.
Key valuation signals for PRAA:
Enterprise Value: $4,324 Mil
GF Value™: $26.20 vs. price of $18.03 (31.2% 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.
59GF Score
Get the complete analysis for PRAA
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