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PRA GroupPRAA -1.17%66 Shiller PE Ratio is 12.17 as of Aug. 27, 2026, which is 3% above its 10-year median of 11.87. GuruFocus rates PRAA with a GF Score™ of 66/100 and a GF Value™ of $24.94 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 334 Credit Services companies, PRA Group ranks better than 55.69% on this metric.
As of today (2026-08-27), PRA Group's current share price is $19.47. PRA Group's E10 for the quarter that ended in Jun. 2026 was $1.60. PRA Group's Shiller PE Ratio for today is 12.17.
The historical rank and industry rank for PRA Group's Shiller PE Ratio or its related term are showing as below:
PRAA'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.1 Med: 11.87 Max: 19.07
Current: 12.17
During the past years, PRA Group's highest Shiller PE Ratio was 19.07. The lowest was 4.10. And the median was 11.87.
PRAA's Shiller PE Ratio is ranked better than 55.69% of 334
companies
in the Credit Services industry
Industry Median: 14.19
vs PRAA: 12.17
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
PRA Group's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.510. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.60 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
PRA Group Shiller PE Ratio Related Terms
PRA Group Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for PRA Group's Shiller PE 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.
PRAA vs GDOT, OPFI, NAVI: Shiller PE Ratio Comparison
For the Credit Services subindustry, PRA Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where PRA Group's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
PRA Group's Shiller PE Ratio for today 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's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, PRA Group's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
PRA Group (PRAA) has a Shiller PE Ratio of 12.17 as of Aug. 27, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on PRA Group and its competitors. This is near median its historical median of 11.87. Over the past decade, PRA Group's Shiller PE Ratio has ranged from 4.10 to 19.07. According to the industry distribution chart, PRA Group ranks #148 out of 334 companies in the Credit Services industry, placing it in the top 44.3%.
Is PRA Group's Shiller PE Ratio too high?
PRA Group's current Shiller PE Ratio of 12.17 is near median its 10-year median of 11.87. Over the past 10 years, this metric has ranged from a low of 4.10 to a high of 19.07. The Credit Services industry median Shiller PE Ratio is 14.19. PRA Group's value of 12.17 is 14.2% below this industry median. Based on the distribution chart, PRA Group ranks #148 out of 334 companies in the Credit Services industry, which is above the industry midpoint. Overall, PRA Group has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PRA Group's Shiller PE Ratio compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #148 out of 334 companies for Shiller PE Ratio. This puts PRA Group in the upper half of its industry. The industry median Shiller PE Ratio is 14.19. PRA Group's value of 12.17 is 14.2% below this benchmark. Historically, PRA Group's own Shiller PE Ratio has ranged from 4.10 to 19.07 over the past decade. While the company's 10-year median is 11.87 vs. the industry median of 14.19, 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.19, based on 334 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PRA Group's current Shiller PE Ratio of 12.17 is 14.2% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on PRA Group and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current Shiller PE Ratio is 12.17, which is near median its own 10-year median of 11.87. 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 Modestly Undervalued. The stock's GF Value™ is $24.94, compared to a current price of $19.47 — trading 21.9% below its estimated fair value. The current Shiller PE Ratio is 12.17, which is near median its 10-year median of 11.87 and 14.2% below the Credit Services industry median of 14.19. PRA Group's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For PRA Group (PRAA), the current Shiller PE Ratio is 12.17 as of Aug. 27, 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 $19.47 is trading 21.9% below its estimated GF Value™ of $24.94.
GuruFocus considers PRA Group to be Modestly Undervalued.
Key valuation signals for PRAA:
Shiller PE Ratio: 12.17 (near median its 10-year median of 11.87)
GF Value™: $24.94 vs. price of $19.47 (21.9% below fair value)
Industry Position: 14.2% below the Credit Services median (#148 of 334)
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.
66GF Score
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