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PRA GroupPRAA +0.21%65 Intrinsic Value: Projected FCF is $16.03 as of Sep. 06, 2026. GuruFocus rates PRAA with a GF Score™ of 65/100 and a GF Value™ of $24.91 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 307 Credit Services companies, PRA Group ranks worse than 63.84% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-06), PRA Group's Intrinsic Value: Projected FCF is $16.03. The stock price of PRA Group is $19.02. Therefore, PRA Group's Price-to-Intrinsic-Value-Projected-FCF of today is 1.2.
The historical rank and industry rank for PRA Group's Intrinsic Value: Projected FCF or its related term are showing as below:
PRAA'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.46 Med: 0.75 Max: 1.19
Current: 1.19
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of PRA Group was 1.19. The lowest was 0.46. And the median was 0.75.
PRAA's Price-to-Projected-FCF is ranked worse than 63.84% of 307
companies
in the Credit Services industry
Industry Median: 0.72
vs PRAA: 1.19
PRA Group (NAS:PRAA) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
PRA Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
19.02
/
16.031735533767
=
1.19
* 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 Intrinsic Value: Projected FCF Related Terms
PRA Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for PRA Group's Intrinsic Value: Projected 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.
PRAA vs GDOT, FINV, OPFI: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, PRA Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where PRA Group's Price-to-Projected-FCF falls into.
PRA Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $16.03 mean?
PRA Group (PRAA) has a Intrinsic Value: Projected FCF of $16.03 as of Sep. 06, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PRA Group and its competitors. According to the industry distribution chart, PRA Group ranks #196 out of 307 companies in the Credit Services industry, placing it in the top 63.8%.
Is PRA Group's Intrinsic Value: Projected FCF too high?
PRA Group's current Intrinsic Value: Projected FCF is $16.03. The Credit Services industry median Intrinsic Value: Projected FCF is 0.72. PRA Group's value of $16.03 is 2126.4% above this industry median. Based on the distribution chart, PRA Group ranks #196 out of 307 companies in the Credit Services industry, which is below the industry midpoint. 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 Intrinsic Value: Projected FCF compare to GDOT and FINV?
According to the Credit Services industry distribution chart, PRA Group ranks #196 out of 307 companies for Intrinsic Value: Projected FCF. This places PRA Group in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.72. PRA Group's value of $16.03 is 2126.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.72, based on 307 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Intrinsic Value: Projected FCF of $16.03 is 2126.4% above 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PRA Group and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Intrinsic Value: Projected FCF is $16.03. 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 $24.91, compared to a current price of $19.02 — trading 23.6% below its estimated fair value. The current Intrinsic Value: Projected FCF is $16.03 and 2126.4% above the Credit Services industry median of 0.72. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For PRA Group (PRAA), the current Intrinsic Value: Projected FCF is $16.03 as of Sep. 06, 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 $19.02 is trading 23.6% below its estimated GF Value™ of $24.91.
GuruFocus considers PRA Group to be Modestly Undervalued.
Key valuation signals for PRAA:
Intrinsic Value: Projected FCF: $16.03
GF Value™: $24.91 vs. price of $19.02 (23.6% below fair value)
Industry Position: 2126.4% above the Credit Services median (#196 of 307)
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
Get the complete analysis for PRAA
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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