PRAA (PRA Group) Growth Rank: 1 (As of Jul. 24, 2026) — 86% Below Median

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PRAA PRA Group Inc PRAA
61 GF Score
Price $17.06
GF Value $26.15
Valuation Possible Value Trap
! 3 Warning Signs
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What is PRA Group Growth Rank?

PRA Group PRAA +5.57% 61 Growth Rank is 1 as of Jul. 24, 2026, which is 86% below its 10-year median of 7.00. GuruFocus rates PRAA with a GF Score™ of 61/100 and a GF Value™ of $26.15 (Possible Value Trap). The stock has 3 warning signs investors should review.

PRA Group has the Growth Rank of 1.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

PRAA vs GDOT, OPFI, NAVI: Growth Rank Comparison

For the Credit Services subindustry, PRA Group's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PRA Group's Growth Rank distribution charts can be found below:

* The bar in red indicates where PRA Group's Growth Rank falls into.


PRAA
61GF Score
PRA Group Inc PRAA
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 1 mean?
PRA Group (PRAA) has a Growth Rank of 1 as of Jul. 24, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on PRA Group and its competitors. This is 86% below median its historical median of 7.00. Over the past decade, PRA Group's Growth Rank has ranged from 1.00 to 9.00.
Is PRA Group's Growth Rank too high?
PRA Group's current Growth Rank of 1 is 86% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 9.00. Overall, PRA Group has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Growth Rank compare to GDOT and OPFI?
PRA Group's Growth Rank of 1 can be compared against companies in the Credit Services industry. Historically, PRA Group's own Growth Rank has ranged from 1.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on PRA Group and its competitors. PRA Group's current Growth Rank is 1, which is 86% below median its own 10-year median of 7.00. 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 $26.15, compared to a current price of $17.06 — trading 34.8% below its estimated fair value. The current Growth Rank is 1, which is 86% below median its 10-year median of 7.00. PRA Group's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For PRA Group (PRAA), the current Growth Rank is 1 as of Jul. 24, 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 $17.06 is trading 34.8% below its estimated GF Value™ of $26.15. GuruFocus considers PRA Group to be Possible Value Trap.

Key valuation signals for PRAA:

  • Growth Rank: 1 (86% below median its 10-year median of 7.00)
  • GF Value™: $26.15 vs. price of $17.06 (34.8% below fair value)
  • GF Score™: 61/100 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

Other Exchanges POV1:Germany
Address 120 Corporate Boulevard, Norfolk, VA, USA, 23502
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.
61GF Score

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Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.06
Price
$26.15
GF Value