PRAA (PRA Group) Total Payout Ratio: -0.08 (As of Jul. 16, 2026)

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PRAA PRA Group Inc PRAA
61 GF Score
Price $18.41
GF Value $26.16
Valuation Possible Value Trap
! 3 Warning Signs
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What is PRA Group Total Payout Ratio?

PRA Group PRAA +2.16% 61 Total Payout Ratio is -0.08 as of Jul. 16, 2026. GuruFocus rates PRAA with a GF Score™ of 61/100 and a GF Value™ of $26.16 (Possible Value Trap). The stock has 3 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

PRA Group's current Total Payout Ratio is -0.08.

PRA Group Total Payout Ratio Related Terms

PRA Group Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for PRA Group's Total Payout 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.

PRA Group Total Payout Ratio Chart

PRA Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.03 0.94 0.00 0.00 -0.07

PRA Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.22 0.00 0.00 0.32

PRAA vs GDOT, OPFI, NAVI: Total Payout Ratio Comparison

For the Credit Services subindustry, PRA Group's Total Payout Ratio, along with its competitors' market caps and Total Payout 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 Total Payout Ratio vs Credit Services Industry

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

* The bar in red indicates where PRA Group's Total Payout Ratio falls into.


PRAA
61GF Score
PRA Group Inc PRAA
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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PRA Group Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

PRA Group's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-20 + 0 + 0) / -289.974
=-0.07

PRA Group's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-10 + 0 + 0) / 31.772
=0.31

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of -0.08 mean?
PRA Group (PRAA) has a Total Payout Ratio of -0.08 as of Jul. 16, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on PRA Group and its competitors.
Is PRA Group's Total Payout Ratio too high?
PRA Group's current Total Payout Ratio is -0.08. 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 Total Payout Ratio compare to GDOT and OPFI?
PRA Group's Total Payout Ratio of -0.08 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Payout Ratio for a Credit Services company?
A good Total Payout Ratio depends on the Credit Services industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on PRA Group and its competitors. PRA Group's current Total Payout Ratio is -0.08. 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 $26.16, compared to a current price of $18.41 — trading 29.6% below its estimated fair value. The current Total Payout Ratio is -0.08. 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 Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For PRA Group (PRAA), the current Total Payout Ratio is -0.08 as of Jul. 16, 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 $18.41 is trading 29.6% below its estimated GF Value™ of $26.16. GuruFocus considers PRA Group to be Possible Value Trap.

Key valuation signals for PRAA:

  • Total Payout Ratio: -0.08
  • GF Value™: $26.16 vs. price of $18.41 (29.6% 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

Get the complete analysis for PRAA

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

$18.41
Price
$26.16
GF Value