PRA GROUP INC (PRAA)
Financials · debt collection services · NASDAQ
A global leader in the acquisition and management of nonperforming loan portfolios, driving returns through disciplined collection strategies and proprietary data analytics.
What PRA GROUP INC does
PRA Group is a global specialty finance company that purchases and collects nonperforming loan portfolios from major banks, consumer finance companies, and auto finance providers. It operates primarily in the U.S. and Europe, with additional activities in South America, Canada, and Australia, focusing on both standard 'Core' debt accounts and 'Insolvency' accounts involving bankruptcy proceedings. The company also provides fee-based services for class action claims recoveries in the U.S.
Recent developments
In Q2 2026, the company performed a comprehensive review of its European portfolios, resulting in a $349 million increase in estimated remaining collections (ERC). The company continues to execute its 'PRA 3.0' strategic plan, which includes ongoing cost-reduction measures, call center footprint consolidation, and further investment in AI technology.
From PRA GROUP INC's filing of 2026-08-07.
Themes: debt management, specialty finance, nonperforming loans, AI in finance, global financial services
Fundamentals
- Price$20.32 as of 2026-10-08 close
- Market cap$765M as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+45.8% 2025-10-08 close $13.94 → 2026-10-08 close $20.32
- P/En/a negative earnings
- Net margin-25.4% FY2025, SEC XBRL
- ROE-31.1% FY2025, SEC XBRL
- Debt / equity3.85 as of 2026-09-02
- Revenue growth (YoY)+10.5% as of 2026-09-02
- Revenue CAGR (3y)+7.5% SEC XBRL
- Beta1.27 as of 2026-09-02
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
How PRAA compares in its sector
- net profit marginbottom 10% 344 covered Financials peers, as of 2026-09-02
- operating marginbottom 25% 122 covered Financials peers, as of 2026-09-02
- return on equitybottom 10% 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How PRA GROUP INC looks technically
PRA GROUP INC (PRAA) is trading 16.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 118 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 57, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 8 trading days ago (its momentum flipped negative). It made a new 20-day high about 15 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 16.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +16.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $19.35 | $19.35 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $17.41 | $17.41 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 9 calendar days ago — the swings before that are what the structure reading is measured on | 9 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 18.27. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 118 trading days ago — a "golden cross", a bullish long-term signal | 118 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend) | 15.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 57, neither overbought (above 70) nor oversold (below 30) | 57.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($18.27 to $21.29) — its "stochastic" reading is 68 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 67.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 8 trading days ago (its momentum flipped negative) | 8 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $22.55 | $22.55 |
|---|---|---|
| From the 52-week high | it is 9.9% below its 52-week high (its highest price of the past year) | -9.9% |
| Above the 52-week low | it is 98.2% above its 52-week low (its lowest price of the past year) | +98.2% |
| Below the 52-week high | it is 9.9% below its highest point of the past year | 9.9% |
| Since a 20-day breakout | it made a new 20-day high about 15 trading days ago | 15 sessions |
| Since a 55-day breakout | it made a new 55-day high about 15 trading days ago | 15 sessions |
| All-time high | its highest closing price on record is $65.00 (set on 2014-11-05) | $65.00 |
| Given back of the 52-week move | over the past year its closes ranged ($10.42 to $22.23), and it has given back roughly a quarter of its rise from last year’s low — 16% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $14.55 to $14.93. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 16.2% |
| From the all-time high | it is 68.7% below its all-time high | -68.7% |
| Nearest price level | it is trading 1.8% above a support level at $19.96 — a price it turned at three times since 2024-12-06, most recently on 2025-05-05. Since 2024-10-08 it has 12 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.8% |
| All-time low | its lowest closing price on record is $6.47 (set on 2009-03-09) | $6.47 |
| Above the all-time low | it is 214.1% above its all-time low | +214.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 86% of it) | 14th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9104 between its high and its low — about 4.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9104 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $18.64 and $21.18 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $18.64 – $19.91 – $21.18 |
| Typical daily range (% of price) | its price moves about 4.5% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.5% |
| Stretch from the 200-day average | it is trading 3.2 daily ranges above its 200-day average price (16.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.88× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a hammer | 7 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 7 sessions ago |
|---|---|---|
| Since a bearish engulfing | 8 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 8 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-10-08 1.1% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -1.1% |
|---|---|---|
| Open gap | it gapped 12.0% above the previous close 43 sessions ago and has not traded back through the level it left behind at 18.15 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +12.0% |
| Gap filled | a 3.4% gap down opened on 2026-08-10 has been "filled" 42 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 42 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 5 sessions in a row, a +7.74% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 5 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 5.3 percentage points (the stock gained 6.3% while the market gained 1.0%) | +5.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 12.2 percentage points (the stock gained 16.0% while the market gained 3.8%) | +12.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 4.8 percentage points (the stock gained 12.6% while the market gained 17.5%) | -4.8% |
| vs market, 12 months | over the past 12 months this stock beat the market by 30.8 percentage points (the stock gained 45.8% while the market gained 15.0%) | +30.8% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.6% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 5.6% of the share price. | +5.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 20% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $16.87 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +20.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% above the average price paid since it last reported on 2026-08-06 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $19.65 — a volume-weighted average of daily closes over 45 sessions, not a true tick-by-tick VWAP. | +3.4% |
Double top, bearish — forming · entry $18.34 · 38 sessions in
Rising wedge, bearish — broke down · entry $19.68 · 85 sessions in
Price levels it has turned at before
PRAA last closed at $20.32 on 2026-10-08. Since 2024-10-08 it has turned at 12 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $19.96 | Support | 1.8% below the last close | turned there three times · 2024-12-06 to 2025-05-05 |
| $21.30 | Resistance | 4.8% above the last close | turned there four times · 2024-12-31 to 2026-09-22 |
| $19.14 | Support | 5.8% below the last close | turned there twice · 2025-01-10 to 2026-03-06 |
| $18.69 | Support | 8.0% below the last close | turned there four times · 2024-10-25 to 2026-07-28 |
| $22.07 | Resistance | 8.6% above the last close | turned there twice · 2024-10-16 to 2025-04-02 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $18.27.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 8 trading days, since 2026-09-29.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · trendless / choppy (low ADX) · On a winning streak (5+ higher closes in a row) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$26.00 range $26.00 – $26.00
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PRAA
- Consensus EPS estimate$0.8 next reporting period, as of 2026-10-04
- Estimate change, 30 days$0.00 (0.0%) from $0.8, on 2026-08-30, 35-day window
- Readings revised upward0% of 5 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Reliance on complex data models and projections for portfolio valuation and cash collection forecasting.","Sensitivity to changes in regulatory and legislative environments governing debt collection and legal recovery.","Risks associated with international operations, including exchange rate fluctuations and foreign regulatory compliance."]
What changed in the latest 10-Q
AI-assisted comparison of PRAA's 10-Q filed 2026-05-08 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-08) adds reference to Form 10-K for year ended December 31, 2025 instead of 2024
- Newer filing adds risk factor regarding 'ongoing geopolitical conflict and instability in the Middle East' in forward-looking statements section
- Newer filing adds specific risk factor: 'our ability to realize the expected benefits from our cash-generating and cost savings initiatives in our United States business'
- Newer filing adds risk factor: 'changes in the regulatory environment for legal collections or our ability to effectively collect on legal recovery and post-judgment processes'
- Newer filing adds risk factor: 'our ability to effectively manage change associated with ongoing enhancements to our key operational systems and processes'
- Newer filing adds risk factor: 'our ability to effectively utilize artificial intelligence and machine learning technologies and to adequately safeguard our systems against AI-driven threats'
- Newer filing adds risk factor: 'our ability to execute our long-term (PRA 3.0) strategy effectively, including the targets related to improving our financial results'
- Newer filing adds 'Executive Overview' section with business description and first quarter 2026 results
- Newer filing adds business trends discussion including net income of $28.2 million and Adjusted EBITDA of $1.3 billion for last 12 months
- Newer filing adds geographic segment percentages: U.S. 42.7% and Europe 50.7% of total ERC
- Newer filing adds discussion of April 2026 European revolving credit facility refinancing
- Newer filing adds 'Selected Consolidated Financial Data' table with Q1 2026 and 2025 comparison
- Removed:
- Older filing (2025-11-10) references Form 10-K for year ended December 31, 2024; newer filing updates to 2025
- Older filing contains risk factor about 'volatility and uncertainty in general business and economic conditions or financial markets, including the impact of tariffs and tariff speculation'; newer filing removes tariff reference
- Older filing contains risk factor about 'our ability to collect sufficient amounts on our nonperforming loans to fund our operations'; newer filing changes wording to 'recover our costs and fund our operations'
- Older filing risk factor about 'disruption or failure by any of our outsourcing, offshoring or other third-party service providers'; newer filing removes specific mention of outsourcing and offshoring
- Older filing contains risk factor: 'our ability to achieve the expected benefits of offshoring a portion of our collection and related support activities'; newer filing removes this factor entirely
- Older filing contains risk factor: 'our ability to successfully implement our cash-generating and cost savings initiatives'; newer filing changes to 'realize the expected benefits'
- Older filing contains risk factor: 'disruptions of business operations caused by cybersecurity incidents or the failure of information technology infrastructure'; newer filing adds 'underperformance or' before failure
- Older filing risk factor: 'our ability to effectively utilize artificial intelligence'; newer filing expands to include machine learning and AI-driven threats
- Older filing contains risk factors: 'changes in accounting standards and their interpretations' and 'the occurrence of goodwill impairment charges' and 'loss contingency accruals that are inadequate to cover actual losses'; newer filing removes these
- Older filing contains risk factor: 'adverse outcomes in pending litigation or administrative proceedings'; newer filing removes this
- Older filing contains risk factor: 'changes in tax provisions or exposure to additional tax liabilities'; newer filing removes this
- Older filing states information is accurate 'as of the date it was issued'; newer filing states 'as of the date it was filed with the SEC'
- Older filing references 'Securities and Exchange Commission'; newer filing expands to 'U.S. Securities and Exchange Commission'
- Older filing Executive Overview describes company as 'global financial services company with operations in the Americas, Europe and Australia'; newer filing describes as 'global leader in acquiring and collecting nonperforming loans'
- Older filing includes employee headcount of '2,814 full-time equivalent employees worldwide' in Executive Overview; newer filing does not include this in visible section
- Older filing 'Executive Overview' section discusses third quarter 2025 results and goodwill impairment; newer filing discusses first quarter 2026 results
- Reworded:
- Newer filing: 'our ability to collect sufficient amounts on our nonperforming loans to recover our costs and fund our operations' vs. older: 'to fund our operations'
- Newer filing describes portfolio risk factors with expanded language on 'third-party service providers, or the vendors on whom they may depend' vs. older: 'outsourcing, offshoring or other third-party service providers'
- Newer filing: 'disruptions of business operations caused by cybersecurity incidents or the underperformance or failure of our information technology' vs. older: 'the failure of information technology infrastructure'
- Newer filing: 'changes in local, state, federal or international laws or the interpretation of these laws, including tax, bankruptcy and collection laws that limit our ability to collect on our nonperforming loans' vs. older: without 'that limit our ability to collect on our nonperforming loans'
- Newer filing describes business as 'global leader in acquiring and collecting nonperforming loans' vs. older: 'global financial services company with operations in the Americas, Europe and Australia' with primary business description
- Notes:
- Older filing text appears truncated at end of visible section; full MD&A extent not fully comparable
- Newer filing text also appears truncated in 'Selected Consolidated Financial Data' section; full table not visible for comparison
- Comparison is of the MD&A Item 2 sections but older filing shows third quarter 2025 results while newer filing shows first quarter 2026 results, representing different reporting periods
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for PRAA — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding PRAA as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 6,775,038
- Reported value $128,657,972
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about PRAA's institutional holders → See what each manager we track holds →
Short interest (FINRA)
PRAA had 1,072,372 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
PRAA had 2.85% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.14 days to cover at the same settlement.
- Reported short interest (shares) 1,072,372
- Short interest (% of shares outstanding) 2.85%
- Prior settlement (shares) 959,194
- Reported change 11.8%
- Days to cover (reported) 3.14
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Encore Capital Group (ECPG)
- Arrow Global Group
- Hoist Finance
- Intrum AB
- Lindorff
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare PRAA vs…
Frequently asked questions
What does PRA GROUP INC (PRAA) do?
PRA Group is a global specialty finance company that purchases and collects nonperforming loan portfolios from major banks, consumer finance companies, and auto finance providers. It operates primarily in the U.S. and Europe, with additional activities in South America, Canada, and Australia, focusing on both standard 'Core' debt accounts and 'Insolvency' accounts involving bankruptcy proceedings. The company also provides fee-based services for class action claims recoveries in the U.S.
What sector is PRA GROUP INC (PRAA) in?
PRA GROUP INC (PRAA) is classified in the Financials sector. Its industry is debt collection services. It trades on NASDAQ.
Who are PRA GROUP INC's (PRAA) competitors?
Notable peers of PRA GROUP INC (PRAA) include Encore Capital Group, Arrow Global Group, Hoist Finance, Intrum AB and Lindorff. This peer set is informational only — not financial advice.
Is PRA GROUP INC (PRAA) overbought or oversold right now?
PRA GROUP INC (PRAA) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 57, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PRAA come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.