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PRA Group Inc

PRA Group Inc

PRAA
$18.12USD↓-1.58%-0.29 today

MARKET CAP

691.1M

P/E (TTM)

6.0x

FWD P/E

7.1x

DAY RANGE

$18 – $18

52W RANGE

$10
$23

AI Summary

Stalk
Buy NowMedium

After a dramatic collapse, PRAA has stabilized into a tight consolidation with rising 9/21 EMAs now supporting price and evidence of volume contraction on pullbacks. Relative strength is recovering, and the cluster range is testing its upper boundary, reflecting an early Stage 1 base with moderate transition risk toward Stage 2. Neutral overbought/oversold conditions and shallow pullbacks into EMAs within the base provide a favorable, mean-reversion entry opportunity despite the longer-term downtrend.

  • ↑Adjusted EBITDA rose 14% YoY to $1.3B; cash collections grew 13% to $2.1B
  • ↑Net leverage improved to 2.71x and management executed $30M of share repurchases
  • ↓Profitability factor remains weak, limiting margin expansion
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The case for & against

Bull & Bear analysis

Bullish

PRA Group, Inc. (NASDAQ: PRAA) operates in the debt collection and recovery management sector, focusing primarily on acquiring and managing non-performing loans across the Americas and Europe. The company has a strategic commitment to optimizing operational efficiencies and expanding its service offerings through its PRA 3.0 initiative, which leverages technology to enhance performance. Despite facing challenges from economic fluctuations, PRA Group maintains a diversified portfolio and aims to solidify its market leadership within the financial services landscape.

Bull says

  • ↑Adjusted EBITDA rose 14% YoY to $1.3B; cash collections grew 13% to $2.1B
  • ↑Net leverage improved to 2.71x and management executed $30M of share repurchases
  • ↑Analysts forecast 15% EPS growth to $2.46 in FY25 after a recent downgrade
  • ↑PRA 3.0 tech initiatives and 27% YoY legal collections growth boost efficiency
  • ↑Strong earnings yield and liquidity support flexible capital allocation
  • ↑Diversified portfolios in Americas/Europe position for continued market share gains

Bear says

  • ↓Profitability factor remains weak, limiting margin expansion
  • ↓Reported net loss of $305M in a quarter due to a non‐cash goodwill write-down
  • ↓Leverage of 2.77x increases interest‐rate sensitivity and financing risk
  • ↓European pricing pressure and competitive volatility may compress recovery rates
  • ↓Five-year earnings have trended downward, raising underperformance concerns
  • ↓Tech disruption and potential regulatory changes threaten traditional collections

Investment themes with PRAA

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Miscellaneous or uncategorized companies

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Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-11-2026bullish

Transcript signals

Bull points

  • we've started the year on the front foot, executing with rigor, discipline, and speed across many parts of the business.
  • We continue to gain momentum in the US, especially in legal and digital channels.
  • Europe continues to deliver strong results and innovation, helping us diversify across many markets.

Bear points

  • But if people won't engage and if we conclude that they should be able to make repayments, we will pursue the legal channel, indicating a potential reliance on collection methods that could signal customer engagement issues.
Read full transcript analysis ›