Is PRA GROUP INC (PRAA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 100.0% | |
| Operating Margin | 38.1% | |
| Net Margin | -25.4% | |
| Return on Equity (ROE) | -26.0% | |
| Return on Assets (ROA) | 4.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$86M |
| Free Cash Flow | -$90M |
| Total Debt | $3.7B |
| Debt-to-Equity | 359.6 |
| Current Ratio | 17.0 |
| Total Assets | $5.1B |
Price & Trading
| Last Close | $17.61 |
| 50-Day MA | $14.80 |
| 200-Day MA | $15.59 |
| Avg Volume | 527K |
| Beta | 1.2 |
|
52-Week Range
$10.25
| |
About PRA GROUP INC (PRAA)
PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include general purpose and private label credit cards, consumer loans, auto loans, overdrafts and small business loans. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.
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Frequently Asked Questions
Is PRA GROUP INC (PRAA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), PRA GROUP INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is PRA GROUP INC's debt ratio?
PRA GROUP INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are PRA GROUP INC's key financial metrics?
PRA GROUP INC has a market capitalization of $657M, and revenue of $1.2B. The company maintains a gross margin of 100.0% and a net margin of -25.4%. Return on equity stands at -26.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.