PRAA Stock Analysis: Buy, Sell, or Hold?
PRAA - PRA Group, Inc.
$22.17
0.23 (1.05%)
▲
5d:
+5.62%
30d:
+31.57%
90d:
+40.23%
HOLD
MODERATE Confidence
Analysis Updated: Apr 28, 2026 12:00 AM ET
Earnings: May 07, 2026
7d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PRAA trades at premium valuation expecting 5.4% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: PRAA trades at premium valuation expecting 5.4% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$36.95
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$22.94
3.4% 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 6.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRAA is currently trading at $22.17, which is considered extended relative to its 30-day fair value range of $17.76 to $20.94. From a valuation perspective, the stock is trading at a premium (Forward PE: 7.5) compared to its historical average (6.4). At these levels, the market is pricing in 5.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PRAA is in a uptrend. The price is approaching resistance at $22.44. 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 (+17.3%). 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 $22.44. 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 (+17.3%). 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
EXTENDED
Historical Trading Range
$17.76 -
$20.94
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
54.8%
All Signals
- BEARISH: Price extended above range (+5.9% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($26.00)
- NEUTRAL: PE elevated vs history but 5.4% growth expectation is conservative given 211% recent growth
Trading Range Analysis
30-Day Trading Range
$17.76 -
$20.94
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$19.88
Resistance Level
$22.44
Current Trend
Uptrend
Technical data as of
Apr 28, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.48
Wall Street Target
$26.00
(+17.3%)
Revenue Growth (YoY)
13.7%
Earnings Growth (YoY)
211.3%
Profit Margin
-25.4%
Valuation Premium vs History
+5.4% premium
PE vs Historical
7.5 vs 6.4
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.4%
(market-implied from PE analysis)
1-Year Target
$23.37
(+5%)
2-Year Target
$24.63
(+11%)
3-Year Target
$25.96
(+17%)
3-Yr Target (if PE normalizes)
(PE: 7→6)
PE COMPRESSION
$22.22
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.6, Growth: 26.4%)
$123.52
(+457%)
Base:
(SPY PE: 7.5, Growth: 26.4%)
$44.81
(+102%)
Bear:
(PE: 6.4, Growth: 26.4%)
$38.09
(+72%)
Share & Embed Analysis
Last updated: April 29, 2026 2:42 AM ET
Data refreshes hourly during market hours. Next update: 3:42 AM
Data refreshes hourly during market hours. Next update: 3:42 AM
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Technical Signals Check
Is PRAA showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Geir Olsen
BUY
15000 shares
2025-11-06
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