PRAA (PRA Group) Risk Assessment


PRAA PRA Group Inc PRAA
63 GF Score
Price $18.28
GF Value $26.18
Valuation Possible Value Trap
! 3 Warning Signs
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What is PRA Group Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of PRA Group is: High Risk: High uncertainty.

PRA Group  (NAS:PRAA) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

PRA Group Risk Assessment Related Terms

PRAA vs GDOT, OPFI, NAVI: Risk Assessment Comparison

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

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

* The bar in red indicates where PRA Group's Risk Assessment falls into.


PRAA
63GF Score
PRA Group Inc PRAA
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PRA Group (PRAA) Overvalued in 2026?

Based on GuruFocus' analysis, PRA Group stock appears to be undervalued. The current stock price of $18.28 is trading 30.2% below its estimated GF Value™ of $26.18. GuruFocus considers PRA Group to be Possible Value Trap.

Key valuation signals for PRAA:

  • Risk Assessment:
  • GF Value™: $26.18 vs. price of $18.28 (30.2% 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

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.
63GF Score

Get the complete analysis for PRAA

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

$18.28
Price
$26.18
GF Value