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PRAA

PRA Group, Inc.

PRAA

NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $729.6M

$18.28

▼ -4.44%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$10.25 - $22.55

P/E

-2.56

Fwd P/E

7.27

Beta

1.15

Div Yield

0.00%

Avg Vol

629.2K

Shares Out

39.0M

Mkt Cap

$729.6M

Price action

Price chart

Up 24.4% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

4 reasons

  • Scale and diversification across Americas, Australia, and Europe with established relationships with major financial institutions
  • Proprietary collection technology and operational expertise enabling efficient debt recovery and portfolio management
  • Access to distressed debt at significant discounts providing margin expansion opportunities
  • Regulatory expertise and compliance infrastructure across multiple jurisdictions
▼

Bear Case

1 risk

  • Average volatility.

Growth

Turning profitable

Expansion of international operations and emerging market opportunities in debt recovery

Value

Undervalued - trading well below Digital Payments peers

Momentum

Strong

+7.6% over 3m

Quality

Excellent

Strong fundamentals

Dividend

None

No dividend

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: May 4, 2026

“
Q2 26 RECAP

MAY 7, 2026

Reported EPS of $0.73 vs $0.51 consensus (+43.1% surprise). Revenue of $314.5M vs $295.9M expected (+6.3%). Beat on both top and bottom lines.

EPS beat +43.1%
Rev beat +6.3%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+43.1%

Next: May 4, 2026

Revenue trend · last 8Q

—

—

+33%

+20%

+15%

+12%

+33%

+15%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$231.3M

$258.2M

$273.0M

$272.0M

$290.7M

$314.1M

$363.3M

$314.2M

Margins · last 8Q

Gross

—

Operating

—

Profit

9.0%

View full earnings history →

Wall Street consensus

1 analyst · 0% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

0%

Hold

1

100%

Sell

0%

Median Price Target

—

Latest: Citizens · Jan 28, 2026

View full analyst page →

vs Industry

How PRAA stacks vs Financial - Credit Services

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.