PRA GroupPRAA +2.21%59 Quick Ratio is 23.37 as of Mar. 2026, which is 55% above its 10-year median of 15.04. 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 394 Credit Services companies, PRA Group ranks better than 66.75% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. PRA Group's quick ratio for the quarter that ended in Mar. 2026 was 23.37.
PRA Group has a quick ratio of 23.37. It generally indicates good short-term financial strength.
The historical rank and industry rank for PRA Group's Quick Ratio or its related term are showing as below:
PRAA'
s Quick Ratio Range Over the Past 10 Years
Min: 12.13 Med: 15.04 Max: 23.37
Current: 23.37
During the past 13 years, PRA Group's highest Quick Ratio was 23.37. The lowest was 12.13. And the median was 15.04.
PRAA's Quick Ratio is ranked better than 66.75% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs PRAA: 23.37
PRA Group (NAS:PRAA) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
PRA Group Quick Ratio Related Terms
PRA Group Quick Ratio Historical Data
* Premium members only.
The historical data trend for PRA Group's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Quick Ratio distribution charts can be found below:
* The bar in red indicates where PRA Group's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
PRA Group's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Quick Ratio of 23.37 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PRA Group and its competitors. This is 55% above median its historical median of 15.04. Over the past decade, PRA Group's Quick Ratio has ranged from 12.13 to 23.37. According to the industry distribution chart, PRA Group ranks #131 out of 394 companies in the Credit Services industry, placing it in the top 33.2%.
Is PRA Group's Quick Ratio too high?
PRA Group's current Quick Ratio of 23.37 is 55% above median its 10-year median of 15.04. Over the past 10 years, this metric has ranged from a low of 12.13 to a high of 23.37. The Credit Services industry median Quick Ratio is 4.93. PRA Group's value of 23.37 is 374% above this industry median. Based on the distribution chart, PRA Group ranks #131 out of 394 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 Quick Ratio compare to TROO and HTT?
According to the Credit Services industry distribution chart, PRA Group ranks #131 out of 394 companies for Quick Ratio. This puts PRA Group in the upper half of its industry. The industry median Quick Ratio is 4.93. PRA Group's value of 23.37 is 374% above this benchmark. Historically, PRA Group's own Quick Ratio has ranged from 12.13 to 23.37 over the past decade. While the company's 10-year median is 15.04 vs. the industry median of 4.93, PRA Group has consistently been above 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Quick Ratio of 23.37 is 374% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PRA Group and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Quick Ratio is 23.37, which is 55% above median its own 10-year median of 15.04. 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 Quick Ratio is 23.37, which is 55% above median its 10-year median of 15.04 and 374% above the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For PRA Group (PRAA), the current Quick Ratio is 23.37 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:
Quick Ratio: 23.37 (55% above median its 10-year median of 15.04)
GF Value™: $26.20 vs. price of $18.03 (31.2% below fair value)
Industry Position: 374% above the Credit Services median (#131 of 394)
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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