PRA Group stock
PRAANASDAQPRA Group, Inc., Financial ServicesISIN US69354N1063
59Score 59 out of 100, Neutral
Price and trend
37 / 100
Price history
−26% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 32% below it.
Since April 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Sharply down: the price has fallen very quickly lately (RSI 22).
The price is 47% below its 52-week high. Largest decline in 20 years: 84% (July 2015 to February 2026).
Chart figures for advanced users
- SMA 50$19.04
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$17.58
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)22
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$10.42
- The lowest closing price of the last twelve months.
- Resistance$22.23
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- PRA Group, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $447.26M, is number 57 of 61 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $988.45M (down 4.5% year on year) and a loss of $305.14M.
- MEQIRI Score 59 out of 100 (Neutral): rank 749 of 976 in Financial Services, median 68.
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- The P/E is 2.9 (Financial (Credit Services) median 11.8, own median of recent years 12.2).
- Our model puts fair value at $30.11, with the price 57% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Below fair valuePrice 57% below the fair value of $30.11.Valuation 100
- High return on equityReturn on equity 15.1% over the last 12 months.Profitability 65
- Share buybacksShare count down 14% since 2020.Capital allocation 80
Weaknesses
- Turned to a lossEarnings per share from $3.28 in 2020 to −$7.79.Growth 41
- Volatile share priceVolatility 69% a year over the last 12 months.Stability 64
Its standout strengths are valuation and capital allocation, while technical analysis and momentum hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 58 to 59.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high price swings
- price far below its 52-week high
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $20.07 and expensive above $60.22 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $11.45 (excess return model) and $48.77 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 9.7%. At 10.7% the fair value would be $29.27, at 8.7% it would be $31.29.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 5.8% on the twelve months before. Revenue has grown solidly since 2006, at about 9% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 43%, net −31%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 14%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 25 Feb 2027in 105 days
- Last reported
- 5 Nov 2026EPS reported $0.39 (expected $0.80)below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $3.350.0%
- Revenue
- $1.3B0.0%
- Earnings per share
- $3.630.0%
- Revenue
- $1.24B0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +15.1%No change in guidance; cash collections ran 4% above expectations and the cost reduction waves are expected to save about $35 million annually.
“We expect the first and second cost reduction waves to generate in aggregate approximately $35 million of annualized savings on a net basis.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at PRA Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 59
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- NavientNAVI $555.2M36
- LendingTreeTREE $517.22M59
- GrenkeGLJ.DE $517.13M46
- OppFiOPFI $509.55M73
- AxactorACR.OL $366.55M31
- BFF BankBFF.MI $323.69M43
- Regional ManagementRM $315.75M72
- Eightco HoldingsORBS $308.9M21
ETFs that hold PRA Group
Held by 10 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.06% | 0.39% | €1.47B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.04% | 0.43% | €2.48B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.02% | 0.30% | €944.34M |
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| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.02% | 0.35% | €434.1M |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.02% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.02% | 0.30% | €4.22B |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.01% | 0.45% | €1.53B |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.00% | 0.25% | €175.89M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.