PRA GroupPRAA -4.44%59 10-Year ROIIC % is 2.08 as of Dec. 2025. GuruFocus rates PRAA with a GF Score™ of 59/100 and a GF Value™ of $26.18 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 342 Credit Services companies, PRA Group ranks worse than 53.51% on this metric.
10-Year Return on Invested Incremental Capital (10-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 10-year.
PRA Group's 10-Year ROIIC % for the quarter that ended in Dec. 2025 was 2.08%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for PRA Group's 10-Year ROIIC % or its related term are showing as below:
PRAA's 10-Year ROIIC % is ranked worse than 53.51% of 342
companies
in the Credit Services industry
Industry Median: 2.755
vs PRAA: 2.08
PRA Group (NAS:PRAA) 10-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
PRA Group 10-Year ROIIC % Related Terms
PRA Group 10-Year ROIIC % Historical Data
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The historical data trend for PRA Group's 10-Year ROIIC % 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.
PRAA vs GDOT, OPFI, NAVI: 10-Year ROIIC % Comparison
For the Credit Services subindustry, PRA Group's 10-Year ROIIC %, along with its competitors' market caps and 10-Year ROIIC % 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 10-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's 10-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where PRA Group's 10-Year ROIIC % falls into.
PRA Group's 10-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
10-Year ROIIC %
=
10-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
10-Year Incremental Invested Capital**
=
( 243.635 (Dec. 2025) - 202.6235976 (Dec. 2015) )
/
( 4772.322 (Dec. 2025) - 2798.389 (Dec. 2015) )
=
41.0114024
/
1973.933
=
2.08%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 10-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
PRA Group (PRAA) has a 10-Year ROIIC % of 2.08 as of Dec. 2025. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on PRA Group and its competitors. According to the industry distribution chart, PRA Group ranks #183 out of 342 companies in the Credit Services industry, placing it in the top 53.5%.
Is PRA Group's 10-Year ROIIC % too high?
PRA Group's current 10-Year ROIIC % is 2.08. The Credit Services industry median 10-Year ROIIC % is 2.76. PRA Group's value of 2.08 is 24.5% below this industry median. Based on the distribution chart, PRA Group ranks #183 out of 342 companies in the Credit Services industry, which is below 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 10-Year ROIIC % compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #183 out of 342 companies for 10-Year ROIIC %. This places PRA Group in the lower half of its industry. The industry median 10-Year ROIIC % is 2.76. PRA Group's value of 2.08 is 24.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year ROIIC % for a Credit Services company?
The median 10-Year ROIIC % among Credit Services companies is 2.76, based on 342 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current 10-Year ROIIC % of 2.08 is 24.5% 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 10-Year ROIIC % mean?
A high 10-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on PRA Group and its competitors. For the Credit Services industry, the median 10-Year ROIIC % is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current 10-Year ROIIC % is 2.08. 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 $26.18, compared to a current price of $18.28 — trading 30.2% below its estimated fair value. The current 10-Year ROIIC % is 2.08 and 24.5% below the Credit Services industry median of 2.76. 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 10-Year ROIIC % calculated?
10-Year ROIIC % is calculated from a company's financial statements. For PRA Group (PRAA), the current 10-Year ROIIC % is 2.08 as of Dec. 2025. 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 $18.28 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:
10-Year ROIIC %: 2.08
GF Value™: $26.18 vs. price of $18.28 (30.2% below fair value)
Industry Position: 24.5% below the Credit Services median (#183 of 342)
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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