PRA Group, Inc. (PRAA) Stock Price & Analysis
PRA Group, Inc. (PRAA) closed at USD 19.08 on Friday, October 23, 2026, down 4.43% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 19.96; the Oct 23, 2026 session ranged USD 18.91–19.73 on volume of 452,996 shares. Market capitalization is $718.14M, with a 52-week range of USD 10.25–22.55 (NMS). Source: Nexqual, retrieved October 24, 2026 at 14:23 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PRAA.md
Key facts (PRAA)
- Last four reported quarters (through Jun 30, 2026): revenue $1.33B, net income -$265M (-19.9% margin) (SEC filings).
- Analysts: Hold (mean 2.67 on a 1–5 scale) (3 analysts), mean target USD 26 (range 26–26).
- Total return with dividends: 1Y +29.3% vs S&P 500 +13.4%; 5Y -55.5% vs S&P 500 +76.9%.
- Next earnings: 2026-11-05, EPS estimate USD 0.8, revenue estimate $307M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PRAA)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.10B | $967M | $803M | $1.11B | $1.20B | $1.33B |
| Operating income | $375M | $286M | $100M | $340M | -$30.3M | $66.6M |
| Net income | $183M | $117M | -$83.5M | $70.6M | -$305M | -$265M |
| EPS (diluted) | $4.04 | $2.94 | -$2.13 | $1.79 | -$7.79 | — |
| Free cash flow | $73.7M | $8.3M | -$100M | -$98.6M | -$90.4M | -$37.8M |
| Operating margin | 34.2% | 29.6% | 12.5% | 30.5% | -2.5% | 5.0% |
| Net margin | 16.7% | 12.1% | -10.4% | 6.3% | -25.4% | -19.9% |
| Revenue growth | +2.8% | -11.8% | -17.0% | +38.9% | +7.8% | — |
| Cash + short-term investments | $87.6M | $83.4M | $113M | $106M | $104M | — |
| Total debt | $2.61B | $2.49B | $2.91B | $3.33B | $3.70B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PRAA)
P/S 0.5x · P/B 0.7x · FCF yield -5.27% · Earnings yield -36.91% · Buyback yield (TTM) 4.18%
P/E at fiscal year-ends: Dec 2024 11.7x.
Analysts (PRAA)
Consensus Hold (mean 2.67 on a 1–5 scale), 3 analysts; mean target USD 26 (low 26, high 26).
Total return (dividends reinvested) (PRAA)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +29.3% | -55.5% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +29.4% | -15.0% |
| Volatility (annualized) | 59.8% | 58.2% |
| Max drawdown | -42.3% (Dec 2025→Feb 2026) | -78.6% (Jan 2022→Feb 2026) |
PRAA revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Europe | $216.6M | 58.2% | +81.3% |
| United States | $150.5M | 40.4% | +9.5% |
| Total revenue | $372.2M | 100% | — |
PRAA revenue by region (fiscal year ended Dec 31, 2025)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| United States | $611.3M | 50.9% | +2.9% |
| Foreign Countries | $420.5M | 35.0% | +17.2% |
| United Kingdom | $170.1M | 14.2% | +5.1% |
| Total revenue | $1.20B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
PRAA company outlook (results filed Aug 6, 2026)
- “This review resulted in an approximately $349 million increase in European ERC, reflecting more than six years of sustained cash overperformance in Europe, as well as enhancements to our analytical processes and forecasting capabilities.”
- “These amounts represent our estimated forward flow purchases over the next 12 months under the agreements in place based on projections and other factors, including sellers' estimates of future forward flow sales, and are dependent on actual delivery by the sellers and, in some cases, the impact of foreign exchange rate fluctuations.”
- “Except as required by law, PRA Group, Inc. assumes no obligation to publicly update or revise its forward-looking statements contained herein to reflect any change in PRA Group, Inc.'s expectations with regard thereto or to reflect any change in events, conditions or circumstances on which any such forward-looking statements are based, in whole or in part.”
- “Portfolio Financial Information (1) (in thousands) June 30, 2026 (year-to-date) As of June 30, 2026 Purchase Period Cash Collections (2) Portfolio Income (2) Changes in Expected Recoveries (2) Total Portfolio Revenue (2) Net Finance Receivables (3) U.S.”
Quoted word-for-word from the SEC 8-K results press release.
PRAA analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.80 | $0.59 | +35.6% | $307.4M | 2 |
| Next quarter (ends Dec 2026) | $0.89 | $0.67 | +32.8% | $309.7M | 2 |
| Current fiscal year (ends Dec 2026) | $3.40 | $2.52 | +35.2% | $1.30B | 1 |
| Next fiscal year (ends Dec 2027) | $2.60 | $2.83 | -8.0% | $1.24B | 1 |
Key Statistics (as of October 24, 2026 at 14:23 UTC)
| Price | USD 19.08 |
|---|---|
| Change | ▼ 4.43% (down) |
| Previous Close | USD 19.96 |
| Open | USD 19.73 |
| Day Range | USD 18.91 – 19.73 |
| 52-Week Range | USD 10.25 – 22.55 |
| Volume | 452,996 shares |
| Market Cap | $718.14M |
| Exchange | NMS |
Technical Analysis (PRAA)
Nexqual's technical model rates PRAA "SELL" based on 2 bullish and 4 bearish signals across 127 daily candles, as of October 24, 2026 at 14:23 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 44.75 (neutral) |
| vs SMA50 | Below (USD 19.67) |
| MACD | 0.03 (positive) |
Analyst Ratings (PRAA)
Wall Street analysts rate PRAA "Hold" based on 3 analysts, with a mean price target of USD 26 (range USD 26–26), per Nexqual as of October 24, 2026 at 14:23 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 26 |
| High Target | USD 26 |
| Low Target | USD 26 |
| Buy / Hold / Sell | 1 / 2 / 0 |
Earnings (PRAA)
| Next Earnings Date | 2026-11-05 |
|---|---|
| EPS Estimate | USD 0.8 |
| Revenue Estimate | $307.40M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.51 vs est 0.53 ▲ beat |
| 2026-03-31 | USD 0.73 vs est 0.51 ▲ beat |
| 2025-12-31 | USD 1.46 vs est 0.5 ▲ beat |
| 2025-09-30 | USD 0.53 vs est 0.5 ▲ beat |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
Financials & Fundamentals (PRAA)
| Total Revenue | $1.33B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +29.40% |
| Gross Margin | +100.00% |
| Operating Margin | +41.19% |
| Profit Margin | -19.91% |
| ROE | -20.25% |
| Debt / Equity | 3.41 |
| Current Ratio | 17.77 |
| Total Cash | $136.97M |
| Total Debt | $3.79B |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
Financial Health Score (PRAA)
Nexqual rates PRA Group, Inc.'s overall financial health "Weak" across five dimensions, as of October 24, 2026 at 14:23 UTC.
| Growth | Solid — Revenue +8% YoY (annual) |
|---|---|
| Profitability | Critical — Net margin -25% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: Short-Term Business Credit Institutions) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Short-Term Business Credit Institutions) |
| Efficiency | Critical — ROE -20%, ROA 5.6% |
Ownership (PRAA)
| Insider Ownership | +2.33% |
|---|---|
| Institutional Ownership | +94.73% |
| Shares Outstanding | 37.65M |
| Float | 32.81M |
| Short % of Float | +2.72% |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
Leadership (PRAA)
PRA Group, Inc. is led by Martin Sjolund, CEO, President & Director, per Nexqual as of October 24, 2026 at 14:23 UTC.
| CEO, President & Director | Martin Sjolund |
|---|---|
| Co-Founder & Executive Chairman | Steven D. Fredrickson |
| Executive VP & CFO | Rakesh Sehgal |
| President of PRA Group Europe | R. Owen James |
| Vice President of Investor Relations | Najim Mostamand C.F.A. |
Major Backers & Investors (PRAA)
Notable institutional backers of PRA Group, Inc. include Topline Capital Management, LLC, T. Rowe Price, Global Alpha Capital Management Ltd., according to Nexqual as of October 24, 2026 at 14:23 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Topline Capital Management, LLC | 10.21% |
| T. Rowe Price | 8.01% |
| Global Alpha Capital Management Ltd. | 4.18% |
| TR PRICE-Price (T.Rowe) U.S. Small-Cap Value Equity Trust | 3.16% |
| American Century Companies Inc | 2.72% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 11.77% |
| Vanguard Group | 4.38% |
| Dimensional Fund Advisors | 3.61% |
| Geode Capital | 2.68% |
| State Street | 2.52% |
Source: Nexqual, October 24, 2026 at 14:23 UTC.
From PRA Group, Inc.'s Latest SEC 10-K Filing (filed 2026-03-02)
Key Strengths & Strategy (as disclosed to the SEC)
- We believe that our competitive strengths include our: •diverse global presence, with portfolios in 18 countries; •strong and longstanding relationships with credit originators globally; •strong capital position; •extensive data set informing our proprietary underwriting process and disciplined approach to bidding; •comprehensive compliance program; •reputation from previous portfolio purchase transactions; •ability to efficiently and effectively collect on various asset types.
- Our digital channels allow us to serve our customers in a way that many of them prefer, providing convenient, user-friendly platforms for receiving information, making payments, accessing account information, viewing documents and contacting an account representative.
Legal & Regulatory Risks (Item 1A, quoted)
- Our ability to collect and enforce our nonperforming loans may be limited under federal, state and international laws, regulations and policies.
- Failure to comply with government regulation of the collections industry could result in penalties, fines, litigation, damage to our reputation or the suspension or termination of our ability to conduct our business.
- Regulations and statutes applicable to our industry further provide that, in some cases, consumers cannot be held liable for, or their liability may be limited with respect to, charges to their debit or credit card accounts that resulted from unauthorized use.
- Our debt collection activities and business practices are subject to review by various governmental authorities and regulators, including the CFPB, which may commence investigations, reviews or enforcement actions targeted at businesses in the financial services industry.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| GDOT | Green Dot Corporation | USD 12.36 | ▼ 0.24% |
| LU | Lufax Holding Ltd | USD 8.06 | ▼ 4.05% |
| FINV | FinVolution Group | USD 2.94 | ▼ 3.92% |
| WRLD | World Acceptance Corporation | USD 167.04 | ▼ 1.54% |
| NAVI | Navient Corporation | USD 8.5 | ▼ 4.06% |
| QFIN | Qfin Holdings, Inc. | USD 5.26 | ▼ 3.84% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 14:23 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt