PRA GroupPRAA +2.21%59 PB Ratio is 0.69 as of Jun. 25, 2026, which is 45% below its 10-year median of 1.25. 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 523 Credit Services companies, PRA Group ranks better than 69.98% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), PRA Group's share price is $18.03. PRA Group's Book Value per Share for the quarter that ended in Mar. 2026 was $26.28. Hence, PRA Group's PB Ratio of today is 0.69.
The historical rank and industry rank for PRA Group's PB Ratio or its related term are showing as below:
PRAA'
s PB Ratio Range Over the Past 10 Years
Min: 0.42 Med: 1.25 Max: 2.26
Current: 0.68
During the past 13 years, PRA Group's highest PB Ratio was 2.26. The lowest was 0.42. And the median was 1.25.
PRAA's PB Ratio is ranked better than 69.98% of 523
companies
in the Credit Services industry
Industry Median: 1.05
vs PRAA: 0.68
During the past 12 months, PRA Group's average Book Value Per Share Growth Rate was -14.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -6.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PRA Group was 68.20% per year. The lowest was -6.80% per year. And the median was 11.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PRA Group PB Ratio Related Terms
PRA Group PB Ratio Historical Data
* Premium members only.
The historical data trend for PRA Group's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where PRA Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
PRA Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PRA Group (PRAA) has a PB Ratio of 0.69 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PRA Group and its competitors. This is 45% below median its historical median of 1.25. Over the past decade, PRA Group's PB Ratio has ranged from 0.42 to 2.26. According to the industry distribution chart, PRA Group ranks #157 out of 523 companies in the Credit Services industry, placing it in the top 30%.
Is PRA Group's PB Ratio too high?
PRA Group's current PB Ratio of 0.69 is 45% below median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 2.26. The Credit Services industry median PB Ratio is 1.05. PRA Group's value of 0.69 is 34.3% below this industry median. Based on the distribution chart, PRA Group ranks #157 out of 523 companies in the Credit Services industry, which is above the industry midpoint. 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 PB Ratio compare to TROO and HTT?
According to the Credit Services industry distribution chart, PRA Group ranks #157 out of 523 companies for PB Ratio. This puts PRA Group in the upper half of its industry. The industry median PB Ratio is 1.05. PRA Group's value of 0.69 is 34.3% below this benchmark. Historically, PRA Group's own PB Ratio has ranged from 0.42 to 2.26 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current PB Ratio of 0.69 is 34.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PRA Group and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current PB Ratio is 0.69, which is 45% below median its own 10-year median of 1.25. 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 PB Ratio is 0.69, which is 45% below median its 10-year median of 1.25 and 34.3% below the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PRA Group (PRAA), the current PB Ratio is 0.69 as of Jun. 25, 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:
PB Ratio: 0.69 (45% below median its 10-year median of 1.25)
GF Value™: $26.20 vs. price of $18.03 (31.2% below fair value)
Industry Position: 34.3% below the Credit Services median (#157 of 523)
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
Get the complete analysis for PRAA
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PRAA has been successfully added to your 
