PRA GroupPRAA -4.44%59 5-Year Yield-on-Cost % is 0.00 as of Jul. 05, 2026. 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 211 Credit Services companies, PRA Group ranks worse than 473933.18% on this metric.
PRA Group's yield on cost for the quarter that ended in Mar. 2026 was 0.00.
The historical rank and industry rank for PRA Group's 5-Year Yield-on-Cost % or its related term are showing as below:
PRAA's 5-Year Yield-on-Cost % is not ranked *
in the Credit Services industry.
Industry Median: 4.55 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PRA Group (NAS:PRAA) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
PRA Group 5-Year Yield-on-Cost % Related Terms
PRAA vs GDOT, OPFI, NAVI: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, PRA Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where PRA Group's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of PRA Group is calculated as
PRA Group (PRAA) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PRA Group and its competitors. According to the industry distribution chart, PRA Group ranks #999999 out of 211 companies in the Credit Services industry.
Is PRA Group's 5-Year Yield-on-Cost % too high?
PRA Group's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, PRA Group ranks #999999 out of 211 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #999999 out of 211 companies for 5-Year Yield-on-Cost %. This places PRA Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on PRA Group and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PRA Group's current 5-Year Yield-on-Cost % is 0.00. 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 $26.18, compared to a current price of $18.28 — trading 30.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For PRA Group (PRAA), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 05, 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 $18.28 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:
5-Year Yield-on-Cost %: 0.00
GF Value™: $26.18 vs. price of $18.28 (30.2% below fair value)
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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