PRAA Stock Analysis: Buy, Sell, or Hold?
PRAA - PRA Group, Inc.
$17.37
0.02 (0.12%)
▲
5d:
+2.3%
30d:
-9.2%
90d:
-20.28%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 06, 2026
2d
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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 low pricing.
✅ BUY SIGNAL: PRAA shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low 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 $17.37, which is considered slightly low relative to its 30-day fair value range of $17.29 to $18.62. The stock's valuation (Forward PE: 6.2) is in line with its historical norms (6.2). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% 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 downtrend. Immediate support is located at $15.74, while resistance sits at $18.60.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $26.00 (+49.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PRAA is in a downtrend. Immediate support is located at $15.74, while resistance sits at $18.60.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $26.00 (+49.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$17.29 -
$18.62
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 49.7% below Wall St target ($26.00)
Trading Range Analysis
30-Day Trading Range
$17.29 -
$18.62
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$15.74
Resistance Level
$18.60
Current Trend
Downtrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.15
Wall Street Target
$26.00
(+49.7%)
Revenue Growth (YoY)
16.7%
Earnings Growth (YoY)
711.1%
Profit Margin
-22.5%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
6.2 vs 6.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$17.28
(-1%)
2-Year Target
$17.20
(-1%)
3-Year Target
$17.11
(-2%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
$17.25
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 12.3%)
$83.00
(+378%)
Base:
(SPY PE: 6.1, Growth: 12.3%)
$24.62
(+42%)
Bear:
(PE: 5.2, Growth: 12.3%)
$20.92
(+21%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.1 to 6.2
Stabilization Target:
$17.52
(+0.8%)
PE Expansion Potential:
+0.8%
Share & Embed Analysis
Last updated: August 02, 2026 10:34 PM ET
Data refreshes hourly during market hours. Next update: 11:34 PM
Data refreshes hourly during market hours. Next update: 11:34 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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