PRAA Stock Analysis: Buy, Sell, or Hold?
PRAA - PRA Group, Inc.
$19.58
0.95 (5.10%)
▲
5d:
-4.95%
30d:
+21.24%
90d:
+33.93%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 06, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: PRAA shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: PRAA shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$9.52
Based on -9.8% avg growth
INTRINSIC VALUE TODAY
$5.91
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 6.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRAA is currently trading at $19.58, which is considered extended relative to its 30-day fair value range of $17.19 to $19.49. From a valuation perspective, the stock is trading at a premium (Forward PE: 7.5) compared to its historical average (6.3). At these levels, the market is pricing in 6.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PRAA is showing sideways momentum. Immediate support is located at $18.33, while resistance sits at $21.27. The stock is showing strong short-term momentum, up 5.1% recently.
Market Sentiment: PRAA scores 30/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $26.00 (+32.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, PRAA is showing sideways momentum. Immediate support is located at $18.33, while resistance sits at $21.27. The stock is showing strong short-term momentum, up 5.1% recently.
Market Sentiment: PRAA scores 30/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $26.00 (+32.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$17.19 -
$19.49
Company Quality Score
43/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
32.4%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (30/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.1%)
- BULLISH: Trading 32.8% below Wall St target ($26.00)
- NEUTRAL: Trading at premium valuation - market expects 6.1% growth which is achievable
- WARNING: Composite score 43/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$17.19 -
$19.49
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$18.33
Resistance Level
$21.27
Current Trend
Sideways
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.53
Wall Street Target
$26.00
(+32.8%)
Revenue Growth (YoY)
29.4%
Earnings Growth (YoY)
40.1%
Profit Margin
-19.9%
Valuation Premium vs History
+6.1% premium
PE vs Historical
7.5 vs 6.3
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.1%
(market-implied from PE analysis)
1-Year Target
$20.77
(+6%)
2-Year Target
$22.04
(+13%)
3-Year Target
$23.39
(+19%)
3-Yr Target (if PE normalizes)
(PE: 8→6)
PE COMPRESSION
$19.56
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: -23.5%)
$38.04
(+94%)
Base:
(SPY PE: 7.5, Growth: -23.5%)
$14.27
(-27%)
Bear:
(PE: 6.3, Growth: -23.5%)
$11.94
(-39%)
Share & Embed Analysis
Last updated: August 23, 2026 1:56 AM ET
Data refreshes hourly during market hours. Next update: 2:56 AM
Data refreshes hourly during market hours. Next update: 2:56 AM
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| Ticker | Score | Recommendation | Change % |
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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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