PRA GroupPRAA -0.87%63 EV-to-FCF is -325.92 as of Jun. 29, 2026. GuruFocus rates PRAA with a GF Score™ of 63/100 and a GF Value™ of $26.20 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 265 Credit Services companies, PRA Group ranks worse than 377358.11% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PRA Group's Enterprise Value is $4,353 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 for today is -325.92.
The historical rank and industry rank for PRA Group's EV-to-FCF or its related term are showing as below:
PRAA'
s EV-to-FCF Range Over the Past 10 Years
Min: -530.63 Med: 23.16 Max: 661.42
Current: -325.92
During the past 13 years, the highest EV-to-FCF of PRA Group was 661.42. The lowest was -530.63. And the median was 23.16.
PRAA's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs PRAA: -325.92
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PRA Group's share price for today is $18.75.
PRA Group's Earnings per Share (Diluted) 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 $-7.160.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PRA Group EV-to-FCF Related Terms
PRA Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for PRA Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PRA Group's EV-to-FCF falls into.
PRA Group's current Enterprise Value is $4,353 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 (PRAA) has a EV-to-FCF of -325.92 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PRA Group and its competitors. According to the industry distribution chart, PRA Group ranks #999999 out of 265 companies in the Credit Services industry.
Is PRA Group's EV-to-FCF too high?
PRA Group's current EV-to-FCF is -325.92. Based on the distribution chart, PRA Group ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PRA Group has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PRA Group's EV-to-FCF compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #999999 out of 265 companies for EV-to-FCF. This places PRA Group in the lower half of its industry. The industry median EV-to-FCF is 13.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PRA Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current EV-to-FCF is -325.92. 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 $26.20, compared to a current price of $18.75 — trading 28.4% below its estimated fair value. The current EV-to-FCF is -325.92. PRA Group's overall GF Score™ is 63/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For PRA Group (PRAA), the current EV-to-FCF is -325.92 as of Jun. 29, 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 $18.75 is trading 28.4% below its estimated GF Value™ of $26.20.
GuruFocus considers PRA Group to be Modestly Undervalued.
Key valuation signals for PRAA:
EV-to-FCF: -325.92
GF Value™: $26.20 vs. price of $18.75 (28.4% 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.
63GF Score
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