PRA GroupPRAA +2.21%59 Net Margin % is 8.89% as of Mar. 2026, which is 7% below its 10-year median of 9.52. GuruFocus rates PRAA with a GF Score™ of 59/100 and a GF Value™ of $26.20 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 534 Credit Services companies, PRA Group ranks worse than 86.7% on this metric.
Net margin is calculated as Net Income divided by its Revenue. PRA Group's Net Income for the
three
months ended in Mar. 2026 was $28 Mil. PRA Group's Revenue for the
three
months ended in Mar. 2026 was $317 Mil. Therefore, PRA Group's net margin for the quarter that ended in Mar. 2026 was 8.89%.
The historical rank and industry rank for PRA Group's Net Margin % or its related term are showing as below:
PRAA'
s Net Margin % Range Over the Past 10 Years
Min: -25.15 Med: 9.52 Max: 19.99
Current: -22.29
PRAA's Net Margin % is ranked worse than 86.7% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs PRAA: -22.29
PRA Group (NAS:PRAA) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PRA Group Net Margin % Related Terms
PRA Group Net Margin % Historical Data
* Premium members only.
The historical data trend for PRA Group's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where PRA Group's Net Margin % falls into.
* 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 Net Margin % of 8.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PRA Group and its competitors. This is near median its historical median of 9.52. According to the industry distribution chart, PRA Group ranks #463 out of 534 companies in the Credit Services industry, placing it in the top 86.7%.
Is PRA Group's Net Margin % too high?
PRA Group's current Net Margin % of 8.89% is near median its 10-year median of 9.52. The Credit Services industry median Net Margin % is 14.52. PRA Group's value of 8.89% is 38.8% below this industry median. Based on the distribution chart, PRA Group ranks #463 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to TROO and HTT?
According to the Credit Services industry distribution chart, PRA Group ranks #463 out of 534 companies for Net Margin %. This places PRA Group in the lower half of its industry. The industry median Net Margin % is 14.52. PRA Group's value of 8.89% is 38.8% below this benchmark. While the company's 10-year median is 9.52 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Net Margin % of 8.89% is 38.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PRA Group and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Net Margin % is 8.89%, which is near median its own 10-year median of 9.52. 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 Net Margin % is 8.89%, which is near median its 10-year median of 9.52 and 38.8% below the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PRA Group (PRAA), the current Net Margin % is 8.89% 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 $18.03 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:
Net Margin %: 8.89% (near median its 10-year median of 9.52)
GF Value™: $26.20 vs. price of $18.03 (31.2% below fair value)
Industry Position: 38.8% below the Credit Services median (#463 of 534)
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
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