Compliance Status
Not Halal
Screened on Oct 15, 2026 · AAOIFI Standard 21
Non-Compliant
Is PRA Group, Inc. (PRAA) halal? Not Halal. Based on AAOIFI screening, PRA Group, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
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HalalScreener rates PRA Group, Inc. (PRAA) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 15, 2026. Source: https://halalscreener.app/en/stock/PRAA
Business activity
Involved in prohibited business activities.
Company debt
Over the limitHow much the company borrows, compared to its total value. AAOIFI allows up to 30%.
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
What this means for you
Most scholars advise not holding PRAA
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
PRAA: Is PRA Group, Inc. Halal?
PRA Group, Inc.
$19.39
Market Cap: 730.0M
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About PRA Group, Inc.
PRA Group, Inc., a financial and business services enterprise, specializes in the acquisition, management, and recovery of defaulted loan portfolios. Its operations span the Americas, Australia, and Europe. The company primarily procures overdue financial obligations from individuals, which were initially extended by various credit originators like banks, consumer and retail finance firms, and automotive lenders. The types of non-performing assets it acquires are diverse, encompassing balances from Visa, MasterCard, private label, and other credit cards, as well as installment loans, lines of credit, deficiency balances, legal judgments, and trade payables. These assets are sourced from a broad spectrum of entities, including banks, credit unions, retailers, utilities, and other financial institutions. Furthermore, PRA Group offers fee-based services, such as facilitating recoveries from class action claims and servicing consumer bankruptcy accounts. The company, which was established in 1996, changed its name from Portfolio Recovery Associates, Inc. to PRA Group, Inc. in October 2014. Its corporate headquarters are situated in Norfolk, Virginia.
Sector: Financial Services · Industry: Financial - Credit Services
Why this does not pass
- Business activity: the company earns from an activity AAOIFI treats as prohibited.
- Interest-bearing debt is 502.4% of market cap, over the 30% AAOIFI limit.
Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.
Shariah Compliance Status
See which ratio caused the failure.
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AI Compliance Insight
PROInstitutional-grade Shariah analysis
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Business Activity Screen
FailedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
- Prohibited industry: purchasing and collecting defaulted consumer debt (interest-method portfolio income)
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
Compliance History
Not Halalnow
since Sep 2026
Halal
until the change above
Not Halal
until the change above
Halal
until the change above
Doubtful
until the change above
Not Halal
until the change above
Tracked since May 2026. Updates automatically on each re-screen.
Halal Alternatives in Financial Services
This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:
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Frequently Asked Questions
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Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.
Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.