PRAA (PRA Group) LT-Debt-to-Total-Asset: 0.73 (As of Mar. 2026)

What is PRA Group LT-Debt-to-Total-Asset?

PRA Group PRAA +4.13% 63 LT-Debt-to-Total-Asset is 0.73 as of Mar. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. PRA Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.73.

PRA Group's long-term debt to total assets ratio increased from Mar. 2025 (0.68) to Mar. 2026 (0.73). It may suggest that PRA Group is progressively becoming more dependent on debt to grow their business.

PRA Group (NAS:PRAA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

PRA Group LT-Debt-to-Total-Asset Related Terms

PRA Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for PRA Group's LT-Debt-to-Total-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.

PRA Group LT-Debt-to-Total-Asset Chart

PRA Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.61

0.66

0.68

0.73

PRA Group Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.68	0.67	0.73	0.73	0.73

63GF Score

PRA Group Inc PRAA

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PRA Group LT-Debt-to-Total-Asset Calculation

PRA Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	3729.498	/	5103.322
	=	0.73

PRA Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	3810.762	/	5206.83
	=	0.73

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.73 mean?

PRA Group (PRAA) has a LT-Debt-to-Total-Asset of 0.73 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PRA Group and its competitors.

Is PRA Group's LT-Debt-to-Total-Asset too high?

PRA Group's current LT-Debt-to-Total-Asset is 0.73. 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 LT-Debt-to-Total-Asset compare to TROO and HTT?

PRA Group's LT-Debt-to-Total-Asset of 0.73 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PRA Group and its competitors. PRA Group's current LT-Debt-to-Total-Asset is 0.73. 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 $18.92 — trading 27.8% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.73. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For PRA Group (PRAA), the current LT-Debt-to-Total-Asset is 0.73 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 $18.92 is trading 27.8% below its estimated GF Value™ of $26.20. GuruFocus considers PRA Group to be Modestly Undervalued.

Key valuation signals for PRAA:

LT-Debt-to-Total-Asset: 0.73
GF Value™: $26.20 vs. price of $18.92 (27.8% below fair value)
GF Score™: 63/100 with 3 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies TROO HTT OPFI GDOT WRLD LX NAVI RM LPRO OPRT V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges POV1:Germany

Address 120 Corporate Boulevard, Norfolk, VA, USA, 23502

Website https://www.pragroup.com

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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$18.92

Price

$26.20

GF Value

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