PRAA Stock Analysis: Buy, Sell, or Hold?
PRAA - PRA Group, Inc.
$15.69
0.17 (1.10%)
▲
5d:
-2.0%
30d:
+6.73%
90d:
-6.22%
BUY
HIGH Confidence
Analysis Updated: Jun 12, 2026 12:00 AM ET
Earnings: Aug 03, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: PRAA appears deeply undervalued. Market expects -3.9% annual earnings decline despite 711% recent earnings growth. Contrarian opportunity at discount to historical valuation.
✅ BUY SIGNAL: PRAA appears deeply undervalued. Market expects -3.9% annual earnings decline despite 711% recent earnings growth. Contrarian opportunity at discount to historical valuation.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$26.28
Based on 8.2% avg growth
INTRINSIC VALUE TODAY
$16.32
3.9% Margin of Safety
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 $15.69, which is considered fair relative to its 30-day fair value range of $14.07 to $17.02. From a valuation perspective, the stock is trading at a discount (Forward PE: 5.5) compared to its historical average (6.3). Remarkably, the market is currently pricing in an annual earnings decline of 3.9% 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.
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 (+65.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
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.
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 (+65.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$14.07 -
$17.02
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 65.7% below Wall St target ($26.00)
Trading Range Analysis
30-Day Trading Range
$14.07 -
$17.02
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.)
5.55
Wall Street Target
$26.00
(+65.7%)
Revenue Growth (YoY)
16.7%
Earnings Growth (YoY)
711.1%
Profit Margin
-22.5%
Valuation Discount vs History
-3.9% cheaper
PE vs Historical
5.6 vs 6.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.9%
(market-implied from PE analysis)
1-Year Target
$15.08
(-4%)
2-Year Target
$14.49
(-8%)
3-Year Target
$13.92
(-11%)
3-Yr Target (if PE normalizes)
(PE: 6→6)
$15.80
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 12.3%)
$87.76
(+459%)
Base:
(SPY PE: 5.6, Growth: 12.3%)
$22.24
(+42%)
Bear:
(PE: 4.7, Growth: 12.3%)
$18.90
(+21%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.6 to 6.3
Stabilization Target:
$17.80
(+13.4%)
PE Expansion Potential:
+13.4%
Share & Embed Analysis
Last updated: June 15, 2026 8:23 AM ET
Data refreshes hourly during market hours. Next update: 9:23 AM
Data refreshes hourly during market hours. Next update: 9:23 AM
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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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