PRAA Stock Analysis: Buy, Sell, or Hold?
PRAA - PRA Group, Inc.
$17.31
1.45 (9.14%)
▲
5d:
+11.68%
30d:
+18.4%
90d:
-5.82%
HOLD
MODERATE Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Aug 03, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD - EXTENDED: PRAA is 9.3% above its trading range ($15.84). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: PRAA is 9.3% above its trading range ($15.84). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
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 $17.31, which is considered fair relative to its 30-day fair value range of $14.53 to $15.84. The stock's valuation (Forward PE: 5.6) is in line with its historical norms (6.2). Remarkably, the market is currently pricing in an annual earnings decline of 3.4% over the next few years. This pessimistic expectation contrasts with the company's recent 711.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
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. The stock is showing strong short-term momentum, up 9.1% recently.
Market Sentiment: PRAA has a strong technical setup (60/100), 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 (+63.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
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. The stock is showing strong short-term momentum, up 9.1% recently.
Market Sentiment: PRAA has a strong technical setup (60/100), 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 (+63.9%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$14.53 -
$15.84
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+9.1%)
- BULLISH: Trading 63.9% below Wall St target ($26.00)
- CAUTION: Extended 9.3% above its trading range - wait for pullback
Trading Range Analysis
30-Day Trading Range
$14.53 -
$15.84
Current vs Trading Range
FAIR
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.)
5.61
Wall Street Target
$26.00
(+63.9%)
Revenue Growth (YoY)
16.7%
Earnings Growth (YoY)
711.1%
Profit Margin
-22.5%
Valuation Discount vs History
-3.4% cheaper
PE vs Historical
5.6 vs 6.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.4%
(market-implied from PE analysis)
1-Year Target
$15.32
(-3%)
2-Year Target
$14.80
(-7%)
3-Year Target
$14.30
(-10%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
$15.79
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 12.3%)
$87.20
(+450%)
Base:
(SPY PE: 5.6, Growth: 12.3%)
$22.48
(+42%)
Bear:
(PE: 4.8, Growth: 12.3%)
$19.11
(+21%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.6 to 6.2
Stabilization Target:
$17.52
(+10.4%)
PE Expansion Potential:
+10.4%
Share & Embed Analysis
Last updated: June 23, 2026 1:40 PM ET
Data refreshes hourly during market hours. Next update: 2:40 PM
Data refreshes hourly during market hours. Next update: 2:40 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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