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PRA GroupPRAA -1.48%62 Equity-to-Asset is 0.19 as of Mar. 2026, which is 32% below its 10-year median of 0.28. GuruFocus rates PRAA with a GF Score™ of 62/100 and a GF Value™ of $26.13 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 548 Credit Services companies, PRA Group ranks worse than 71.53% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. PRA Group's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $1,002 Mil. PRA Group's Total Assets for the quarter that ended in Mar. 2026 was $5,207 Mil.
Therefore, PRA Group's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.19.
The historical rank and industry rank for PRA Group's Equity-to-Asset or its related term are showing as below:
PRAA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.19 Med: 0.28 Max: 0.34
Current: 0.19
During the past 13 years, the highest Equity to Asset Ratio of PRA Group was 0.34. The lowest was 0.19. And the median was 0.28.
PRAA's Equity-to-Asset is ranked worse than 71.53% of 548
companies
in the Credit Services industry
Industry Median: 0.4
vs PRAA: 0.19
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
PRA Group Equity-to-Asset Related Terms
PRA Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for PRA Group's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Credit Services subindustry, PRA Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where PRA Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
PRA Group's Equity to Asset Ratio 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 Equity-to-Asset of 0.19 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PRA Group and its competitors. This is 32% below median its historical median of 0.28. Over the past decade, PRA Group's Equity-to-Asset has ranged from 0.19 to 0.34. According to the industry distribution chart, PRA Group ranks #392 out of 548 companies in the Credit Services industry, placing it in the top 71.5%.
Is PRA Group's Equity-to-Asset too high?
PRA Group's current Equity-to-Asset of 0.19 is 32% below median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.34. The Credit Services industry median Equity-to-Asset is 0.40. PRA Group's value of 0.19 is 52.5% below this industry median. Based on the distribution chart, PRA Group ranks #392 out of 548 companies in the Credit Services industry, which is below the industry midpoint. Overall, PRA Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Equity-to-Asset compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #392 out of 548 companies for Equity-to-Asset. This places PRA Group in the lower half of its industry. The industry median Equity-to-Asset is 0.40. PRA Group's value of 0.19 is 52.5% below this benchmark. Historically, PRA Group's own Equity-to-Asset has ranged from 0.19 to 0.34 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 0.40, PRA Group has consistently been below 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Equity-to-Asset of 0.19 is 52.5% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PRA Group and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Equity-to-Asset is 0.19, which is 32% below median its own 10-year median of 0.28. 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 $26.13, compared to a current price of $17.35 — trading 33.6% below its estimated fair value. The current Equity-to-Asset is 0.19, which is 32% below median its 10-year median of 0.28 and 52.5% below the Credit Services industry median of 0.40. PRA Group's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For PRA Group (PRAA), the current Equity-to-Asset is 0.19 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 $17.35 is trading 33.6% below its estimated GF Value™ of $26.13.
GuruFocus considers PRA Group to be Possible Value Trap.
Key valuation signals for PRAA:
Equity-to-Asset: 0.19 (32% below median its 10-year median of 0.28)
GF Value™: $26.13 vs. price of $17.35 (33.6% below fair value)
Industry Position: 52.5% below the Credit Services median (#392 of 548)
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.
62GF Score
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