PRAA Stock Analysis: Buy, Sell, or Hold?
PRAA - PRA Group, Inc.
$18.29
-0.20 (-1.08%)
▼
5d:
-0.22%
30d:
+20.01%
90d:
-4.34%
BUY
HIGH Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Aug 03, 2026
20d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: PRAA shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
✅ BUY SIGNAL: PRAA shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$25.87
Based on 8.2% avg growth
INTRINSIC VALUE TODAY
$16.06
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRAA is currently trading at $18.29, which is considered slightly high relative to its 30-day fair value range of $15.49 to $18.51. The stock's valuation (Forward PE: 6.5) is in line with its historical norms (6.2). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PRAA is in a uptrend. The price is approaching resistance at $16.14. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PRAA has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $26.00 (+42.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PRAA is in a uptrend. The price is approaching resistance at $16.14. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PRAA has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $26.00 (+42.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$15.49 -
$18.51
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 42.2% below Wall St target ($26.00)
- NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$15.49 -
$18.51
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$13.97
Resistance Level
$16.14
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.47
Wall Street Target
$26.00
(+42.2%)
Revenue Growth (YoY)
16.7%
Earnings Growth (YoY)
711.1%
Profit Margin
-22.5%
Valuation Premium vs History
+1.2% premium
PE vs Historical
6.5 vs 6.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.2%
(market-implied from PE analysis)
1-Year Target
$18.51
(+1%)
2-Year Target
$18.73
(+2%)
3-Year Target
$18.96
(+4%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
PE COMPRESSION
$18.15
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 12.3%)
$87.20
(+377%)
Base:
(SPY PE: 6.5, Growth: 12.3%)
$25.92
(+42%)
Bear:
(PE: 5.5, Growth: 12.3%)
$22.03
(+21%)
Share & Embed Analysis
Last updated: July 13, 2026 6:01 PM ET
Data refreshes hourly during market hours. Next update: 7:01 PM
Data refreshes hourly during market hours. Next update: 7:01 PM
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Technical Signals Check
Is PRAA showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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