PRAA
PRA Group, Inc.
SHORT-TERM BUSINESS CREDIT INSTITUTIONS
PRA Group (PRAA) Stock: Buy, Sell, or Hold?
$12.88
+0.92 (+7.69%)
▲
5d:
-36.17%
30d:
-37.08%
90d:
-36.4%
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70/30 Portfolio Builder
Earnings: Nov 05, 2026
0d
Protect PRAA Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (84%)
Quality Score
47/100
Position
OVERSOLD
30-Day Fair Range
$17.48 – $21.09
Position: OVERSOLD
Forward P/E & Valuation
5.0x
CHEAP
vs 6.6x historical avg
Wall Street Target
$26.00
+101.9% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$11.84 / $21.64
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: PRAA is down 36.2% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$9.98
Based on -9.8% avg growth
INTRINSIC VALUE TODAY
$6.20
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 6.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRAA is currently trading at $12.88, which is considered oversold relative to its 30-day fair value range of $17.48 to $21.09. From a valuation perspective, the stock is trading at a discount (Forward PE: 5.0) compared to its historical average (6.6). Remarkably, the market is currently pricing in an annual earnings decline of 9.0% over the next few years. This pessimistic expectation contrasts with the company's recent 40.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PRAA is showing sideways momentum. Immediate support is located at $11.84, while resistance sits at $21.64. The stock is showing strong short-term momentum, up 7.7% recently.
Market Sentiment: The stock scores a mixed 40/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $26.00 (+101.9%). 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 $11.84, while resistance sits at $21.64. The stock is showing strong short-term momentum, up 7.7% recently.
Market Sentiment: The stock scores a mixed 40/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $26.00 (+101.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$17.48 -
$21.09
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
84.3%
Trading Range & Key Levels
30-Day Trading Range
$17.48 -
$21.09
Current vs Trading Range
OVERSOLD
Support Level
$11.84
Resistance Level
$21.64
Current Trend
Sideways
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding PRAA? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+7.7%)
- BULLISH: Trading 101.9% below Wall St target ($26.00)
- WARNING: Composite score 47/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
4.95
Wall Street Target
$26.00
(+101.9%)
Revenue Growth (YoY)
-8.0%
Earnings Growth (YoY)
40.1%
Profit Margin
12.1%
Valuation Discount vs History
-9.0% cheaper
PE vs Historical
5.0 vs 6.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-9.0%
(market-implied from PE analysis)
1-Year Target
$11.72
(-9%)
2-Year Target
$10.67
(-17%)
3-Year Target
$9.71
(-25%)
3-Yr Target (if PE normalizes)
(PE: 5→7)
$12.93
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: -23.5%)
$37.64
(+192%)
Base:
(SPY PE: 5.0, Growth: -23.5%)
$9.39
(-27%)
Bear:
(PE: 4.2, Growth: -23.5%)
$7.98
(-38%)
📈
Valuation based on Current Earnings
Trailing PE: 2.95 | Current EPS (TTM): $4.05
Bull Case
$8.45
(-34%)
Analyst growth -35.8%, PE expands to 3.3
Base Case
$7.68
(-40%)
Market implied -35.8%, PE stable at 3.0
Bear Case
$8.13
(-37%)
Severe decline -20.0%, PE contracts to 2.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.0 to 6.6
Stabilization Target:
$17.16
(+33.2%)
PE Expansion Potential:
+33.2%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (PRAA)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 6, 2025
Daily AI digest
AI Retail Discussion Summary:
StockTwits shows bullish sentiment towards $PRAA with one user expressing strong positive results. No recent news articles were available for analysis.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 8:36 PM ET
Data refreshes hourly during market hours. Next update: 9:36 PM
Data refreshes hourly during market hours. Next update: 9:36 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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