PRA Group (PRAA) Stock: Buy, Sell, or Hold?
PRAA - PRA Group, Inc.
$20.55
0.73 (3.68%)
▲
5d:
+3.74%
30d:
-0.15%
90d:
+27.24%
BUY
MODERATE Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Nov 05, 2026
13d
Get Alerted When PRAA Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: PRAA shows positive signals but monitor for confirmation. Market pricing in 6.5% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: PRAA shows positive signals but monitor for confirmation. Market pricing in 6.5% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$9.83
Based on -9.8% avg growth
INTRINSIC VALUE TODAY
$6.10
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 6.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRAA is currently trading at $20.55, which is considered fair relative to its 30-day fair value range of $19.22 to $20.44. From a valuation perspective, the stock is trading at a premium (Forward PE: 7.9) compared to its historical average (6.5). At these levels, the market is pricing in 6.5% 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 strong uptrend. The price is approaching resistance at $20.66. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.7% recently.
Market Sentiment: PRAA scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $26.00 (+26.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PRAA is in a strong uptrend. The price is approaching resistance at $20.66. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.7% recently.
Market Sentiment: PRAA scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $26.00 (+26.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$19.22 -
$20.44
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
87.1%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (64/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.7%)
- BULLISH: Trading 26.5% below Wall St target ($26.00)
- NEUTRAL: Trading at premium valuation - market expects 6.5% growth which is achievable
- BULLISH: Bottoming setup score 64/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$19.22 -
$20.44
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$19.33
Resistance Level
$20.66
Current Trend
Strong Uptrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.90
Wall Street Target
$26.00
(+26.5%)
Revenue Growth (YoY)
29.4%
Earnings Growth (YoY)
40.1%
Profit Margin
-19.9%
Valuation Premium vs History
+6.5% premium
PE vs Historical
7.9 vs 6.5
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.5%
(market-implied from PE analysis)
1-Year Target
$21.89
(+7%)
2-Year Target
$23.31
(+13%)
3-Year Target
$24.82
(+21%)
3-Yr Target (if PE normalizes)
(PE: 8→7)
PE COMPRESSION
$20.41
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: -23.5%)
$37.64
(+83%)
Base:
(SPY PE: 7.9, Growth: -23.5%)
$14.98
(-27%)
Bear:
(PE: 6.5, Growth: -23.5%)
$12.32
(-40%)
Share & Embed Analysis
Last updated: October 22, 2026 7:44 AM ET
Data refreshes hourly during market hours. Next update: 8:44 AM
Data refreshes hourly during market hours. Next update: 8:44 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is PRAA showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
AFRM
Affirm Holdings Inc |
STRONG BUY
34 analysts |
$99 | 56 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
40 analysts |
$672 | 38 SELL |
|
V
Visa Inc. Class A |
STRONG BUY
40 analysts |
$423 | 27 SELL |
|
AXP
American Express Company |
BUY
30 analysts |
$369 | 47 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
24 analysts |
$252 | 49 HOLD |
Advanced PRAA Option Strategies
Professional options setups generated by AI based on today's PRAA price and gamma walls.
