Is PRAA a good stock to buy right now?

Based on our 6-factor quantitative model, PRA GROUP INC (PRAA) receives a "Reduce" rating with a composite score of 32.0/100. It is ranked #3,308 out of 4,446 stocks. Key factor scores: Quality 24/100, Value 26/100, Momentum 40/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for PRAA?

PRA GROUP INC (PRAA) has a "Reduce" rating and 2-star score. The composite score of 32.0 ranks it #3,308 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is PRAA in?

PRA GROUP INC operates in the Financials sector (Banking industry) with a market cap of $684 million. It is classified as a small-cap stock.

Does PRAA pay a dividend?

PRAA does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is PRAA's P/E ratio?

P/E ratio data is not currently available for PRAA, which may indicate the company is not yet profitable.

How profitable is PRAA?

PRAA's quality factor score is 24/100. Gross margin: 76.0%. ROE: -30.8% vs sector average 8.5%. High margins suggest pricing power and competitive moats.

How is PRAA valued compared to peers?

PRAA's value factor score is 26/100 (higher = cheaper). Key multiples: . Trading at a premium relative to peers.

What is PRAA's debt level?

PRAA's debt-to-equity ratio is 391%. Sector average: 121%. Elevated leverage increases credit risk.

PRAA has a beta of 1.41, meaning it amplifies market moves. Stability score: 32/100.

Does PRAA have high short interest?

PRAA's short interest factor score is 49/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

PRAA Stock Analysis: Top Small-Cap Reduce (Score 32.0/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
PRAA	-0.42%	+7.54%	+4.37%	+8.08%	+14.77%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.35%	+3.93%	+4.03%	+8.44%	-14.76%	-	-	-
Alpha vs Sector	+0.67%	+5.03%	+2.95%	+15.39%	+4.18%	-	-	-

Metric	PRAA	Benchmark
P/E Ratio	-2.2x	-115%
EV/EBITDA	—	—
Price / Book	0.7x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
PRAA PRA GROUP INC	32	24	26	40	-	-30.8%	76.0%	-25.1%	9.5%	391.0x	$684M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.8%	-	0.7%	-	-	-	0.7%	0.7%	0.6%	0.7%	0.7%
Operating Margin %	-0.0%	-0.0%	0.3%	0.1%	0.3%	0.3%	0.3%	0.2%	0.2%	0.3%	0.2%
EBITDA Margin %	-0.1%	-0.0%	0.3%	0.1%	0.3%	0.4%	0.4%	0.3%	0.3%	0.4%	0.3%
Net Margin %	-0.3%	-0.2%	0.1%	-0.1%	0.1%	0.2%	0.2%	0.1%	0.1%	0.2%	0.1%
FCF Margin %	-24.2%	-	-8.9%	-	-	-	11.7%	11.3%	6.6%	-0.9%	11.0%
ROE %	-0.3%	-0.3%	0.1%	-0.1%	0.1%	0.1%	0.1%	-	0.1%	0.2%	0.1%
ROA %	-0.1%	-0.1%	0.0%	-0.0%	0.0%	0.0%	0.0%	-	0.0%	0.0%	0.0%
ROIC %	-1.1%	-2.3%	5.9%	6.4%	17.5%	22.4%	6.8%	-	4.1%	5.2%	6.6%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.8%

0.7%

0.6%

0.7%

Operating Margin %

-0.0%

0.3%

0.1%

0.3%

0.2%

0.3%

0.2%

EBITDA Margin %

-0.1%

-0.0%

0.3%

0.1%

0.3%

0.4%

0.3%

0.4%

0.3%

Net Margin %

-0.3%

-0.2%

0.1%

-0.1%

0.1%

0.2%

0.1%

0.2%

0.1%

FCF Margin %

-24.2%

-8.9%

11.7%

11.3%

6.6%

-0.9%

11.0%

ROE %

-0.3%

0.1%

-0.1%

0.1%

0.2%

0.1%

ROA %

-0.1%

0.0%

-0.0%

0.0%

ROIC %

-1.1%

-2.3%

5.9%

6.4%

17.5%

22.4%

6.8%

4.1%

5.2%

6.6%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$1.1B	$1.2B	$1.1B	$803M	$967M	$1.1B	$1.1B	$1.0B	$908M	$828M	$831M	$942M
	—	—	$816M	—	—	—	$770M	$707M	$589M	$555M	$572M	$674M
Gross Margin	76.0%	---	73.2%	---	---	---	72.3%	69.5%	64.8%	67.0%	72.2%	71.5%
	—	$9M	$21M	$13M	$15M	$15M	$40M	$40M	$41M	$38M	$35M	$24M
Total Operating Expenses	—	$1.2B	—	$702M	$681M	$721M	—	—	—	—	—	—
	-$66M	-$30M	$340M	$100M	$286M	$375M	$350M	$248M	$185M	$214M	$218M	$310M
EBIT	-$66M	-$30M	$340M	$100M	$286M	$375M	$350M	$248M	$185M	$214M	$218M	$310M
EBITDA	-$58M	-$21M	$360M	$114M	$301M	$390M	$390M	$300M	$252M	$296M	$251M	$342M
Operating Margin	-3.1%	-2.5%	30.5%	12.5%	29.6%	34.2%	32.8%	24.3%	20.4%	25.8%	23.6%	32.9%
EBITDA Margin	-5.0%	-1.8%	32.3%	14.2%	31.1%	35.6%	36.6%	29.5%	27.7%	35.8%	30.2%	36.3%
	—	—	$229M	$195M	$133M	$125M	$142M	$142M	$121M	$98M	$81M	$60M
	—	-$243M	—	-$83M	$155M	$250M	—	—	—	—	—	—
Income Tax Expense	—	$47M	$21M	-$16M	$37M	$55M	$41M	$20M	$14M	-$11M	$43M	$89M
	-$320M	-$290M	$89M	-$67M	$118M	$196M	$168M	$98M	$76M	$171M	$91M	$168M
Net Margin	-25.1%	-24.1%	8.0%	-8.3%	12.2%	17.8%	15.7%	9.6%	8.3%	20.7%	9.9%	17.8%
	$-7.79	$-7.79	$1.79	$-2.13	$2.96	$4.07	$3.28	$1.90	$1.45	$3.60	$1.84	$3.49
Diluted EPS	$-7.79	$-7.79	$1.79	$-2.13	$2.94	$4.04	$3.28	$1.90	$1.45	$3.60	$1.84	$3.49
Weighted Avg Basic	—	39M	—	39M	40M	45M	—	—	—	—	—	—
Weighted Avg Diluted	—	39M	—	39M	40M	45M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$1.1B

$1.2B

$1.1B

$803M

$967M

$1.1B

$1.0B

$908M

$828M

$831M

$942M

—

$816M

—

$770M

$707M

$589M

$555M

$572M

$674M

Gross Margin

76.0%

---

73.2%

---

72.3%

69.5%

64.8%

67.0%

72.2%

71.5%

—

$9M

$21M

$13M

$15M

$40M

$41M

$38M

$35M

$24M

Total Operating Expenses

—

$1.2B

—

$702M

$681M

$721M

—

-$66M

-$30M

$340M

$100M

$286M

$375M

$350M

$248M

$185M

$214M

$218M

$310M

EBIT

-$66M

-$30M

$340M

$100M

$286M

$375M

$350M

$248M

$185M

$214M

$218M

$310M

EBITDA

-$58M

-$21M

$360M

$114M

$301M

$390M

$300M

$252M

$296M

$251M

$342M

Operating Margin

-3.1%

-2.5%

30.5%

12.5%

29.6%

34.2%

32.8%

24.3%

20.4%

25.8%

23.6%

32.9%

EBITDA Margin

-5.0%

-1.8%

32.3%

14.2%

31.1%

35.6%

36.6%

29.5%

27.7%

35.8%

30.2%

36.3%

—

$229M

$195M

$133M

$125M

$142M

$121M

$98M

$81M

$60M

—

-$243M

—

-$83M

$155M

$250M

—

Income Tax Expense

—

$47M

$21M

-$16M

$37M

$55M

$41M

$20M

$14M

-$11M

$43M

$89M

-$320M

-$290M

$89M

-$67M

$118M

$196M

$168M

$98M

$76M

$171M

$91M

$168M

Net Margin

-25.1%

-24.1%

8.0%

-8.3%

12.2%

17.8%

15.7%

9.6%

8.3%

20.7%

9.9%

17.8%

$-7.79

$1.79

$-2.13

$2.96

$4.07

$3.28

$1.90

$1.45

$3.60

$1.84

$3.49

Diluted EPS

$-7.79

$1.79

$-2.13

$2.94

$4.04

$3.28

$1.90

$1.45

$3.60

$1.84

$3.49

Weighted Avg Basic

—

39M

—

39M

40M

45M

—

Weighted Avg Diluted

—

39M

—

39M

40M

45M

—

PRA GROUP INC (PRAA) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does PRA GROUP INC Do?

PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans in the Americas, Australia, and Europe. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit cards, private label and other credit cards, installment loans, lines of credit, deficiency balances of various types, legal judgments, and trade payables from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries and by servicing consumer bankruptcy accounts. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was incorporated in 1996 and is headquartered in Norfolk, Virginia. PRA GROUP INC (PRAA) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Kevin P. Stevenson and employs approximately 3,280 people, headquartered in Norfolk, Virginia. With a market capitalization of $684M, PRAA is one of the notable companies in the Financials sector.

PRA GROUP INC (PRAA) Stock Rating — Reduce (April 2026)

As of April 2026, PRA GROUP INC receives a Reduce rating with a composite score of 32.0/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.PRAA ranks #3,308 out of 4,446 stocks in our coverage universe. Within the Financials sector, PRA GROUP INC ranks #759 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PRAA Stock Price and 52-Week Range

PRA GROUP INC (PRAA) currently trades at $19.20. The 52-week high for PRAA is $22.01, which means the stock is currently trading -12.8% from its annual peak. The 52-week low is $10.25, putting the stock 87.3% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is PRAA Overvalued or Undervalued? — Valuation Analysis

PRA GROUP INC (PRAA) carries a value factor score of 26/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.68x, versus the sector average of 1.22x. The price-to-sales ratio is 0.62x, compared to 0.90x for the average Financials stock.

At current multiples, PRA GROUP INC trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

PRA GROUP INC Profitability — ROE, Margins, and Quality Score

PRA GROUP INC (PRAA) earns a quality factor score of 24/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -30.8%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -6.3% versus the sector average of 1.2%.

On a margin basis, PRA GROUP INC reports gross margins of 76.0%. The operating margin is -3.1% (sector: 21.8%). Net profit margin stands at -25.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 9.5% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

PRAA Debt, Balance Sheet, and Financial Health

PRA GROUP INC has a debt-to-equity ratio of 391.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.26x, suggesting adequate working capital coverage. Total debt on the balance sheet is $3.75B. Cash and equivalents stand at $107M.

PRAA has a beta of 1.41, meaning it is more volatile than the broader market — a $10,000 investment in PRAA would be expected to move 41.1% more than the S&P 500 on any given day. The stability factor score for PRA GROUP INC is 32/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

PRA GROUP INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, PRA GROUP INC reported revenue of $1.15B and earnings per share (EPS) of $-7.79. Net income for the quarter was $-320M. Gross margin was 76.0%. Operating income came in at $-66M.

In FY 2025, PRA GROUP INC reported revenue of $1.20B and earnings per share (EPS) of $-7.79. Net income for the quarter was $-290M. Revenue grew 7.8% year-over-year compared to FY 2024. Operating income came in at $-30M.

In Q3 2025, PRA GROUP INC reported revenue of $311M and earnings per share (EPS) of $-10.43. Net income for the quarter was $-404M. Revenue grew 10.5% year-over-year compared to Q3 2024. Operating income came in at $-316M.

In Q2 2025, PRA GROUP INC reported revenue of $288M and earnings per share (EPS) of $1.08. Net income for the quarter was $46M. Revenue grew 1.2% year-over-year compared to Q2 2024. Operating income came in at $85M.

Over the past 8 quarters, PRA GROUP INC has demonstrated a growth trajectory, with revenue expanding from $284M to $1.15B. Investors analyzing PRAA stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PRAA Dividend Yield and Income Analysis

PRA GROUP INC (PRAA) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

PRAA Momentum and Technical Analysis Profile

PRA GROUP INC (PRAA) has a momentum factor score of 40/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 29/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 49/100 reflects moderate short selling activity.

PRAA vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, PRA GROUP INC (PRAA) ranks #759 out of 891 stocks based on the Blank Capital composite score. This places PRAA in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing PRAA against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PRAA vs S&P 500 (SPY) comparison to assess how PRA GROUP INC stacks up against the broader market across all factor dimensions.

PRAA Next Earnings Date

No upcoming earnings date has been announced for PRA GROUP INC (PRAA) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PRAA? — Investment Thesis Summary

The quantitative profile for PRA GROUP INC suggests caution. The quality score of 24/100 flags below-average profitability. The value score of 26/100 indicates premium valuation. High volatility (stability score 32/100) increases portfolio risk.

In summary, PRA GROUP INC (PRAA) earns a Reduce rating with a composite score of 32.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PRAA stock.

Related Resources for PRAA Investors

Explore more research and tools: PRAA vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PRAA head-to-head with peers: PRAA vs WTM, PRAA vs OPY, PRAA vs ACT.

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PRA GROUP INC (PRAA) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does PRA GROUP INC Do?

PRA GROUP INC (PRAA) Stock Rating — Reduce (April 2026)

PRAA Stock Price and 52-Week Range

Is PRAA Overvalued or Undervalued? — Valuation Analysis

PRA GROUP INC Profitability — ROE, Margins, and Quality Score

PRAA Debt, Balance Sheet, and Financial Health

PRA GROUP INC Revenue and Earnings History — Quarterly Trend

PRAA Dividend Yield and Income Analysis

PRAA Momentum and Technical Analysis Profile

PRAA vs Competitors — Financials Sector Ranking and Peer Comparison

PRAA Next Earnings Date

Should You Buy PRAA? — Investment Thesis Summary

Related Resources for PRAA Investors

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