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PRAA · Pra Group Inc

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$18.80 -0.34 (-1.78%)
Russell 2000 member Rebalance outlook locked
Market Cap
$720.58M
Shares
37.65M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$19.14 Open$19.39 Day$19.09–19.70 52W close$10.42–22.23 Avg vol 30d399K Short int802K · 2.1% float · 1.6d Short vol45% Last earningsAug 6, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Nov 5, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Buy Momentum Strong Sentiment Neutral Fundamentals Weak Quant / Vol Very High
      Market backdrop VIX 14.4 · calm Equity put/call 0.62
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +13%
      above
      Price vs 50-day avg +4%
      above
      RSI (14) 52
      neutral
      MACD trend Negative
      52-week position 74%
      mid-range
      Momentum
      relative strength
      Strong
      1-month return +10%
      trailing
      6-month return +5%
      trailing
      YTD return +8%
      this year
      Relative strength −9%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $18 › 200d $17 — 50d above 200d
      Institutional flow Distributing
      -1% holders QoQ · +35 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      2.13% of float · ▼ -1.5% MoM · 1.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      198 holders — near 3-yr high, broad support
      Squeeze score 52
      elevated · 0–100
      Fundamentals
      Weak
      Revenue growth +8%
      Y/Y
      EPS growth −535%
      Y/Y
      Free cash flow $-90.4M
      Buyback $300.0M
      authorized
      Balance sheet $1.7B
      net debt
      Quant / Vol
      risk profile
      Very High
      Volatility 60%
      annualized · 1-yr
      Max drawdown −42%
      past year
      ATR 4.6%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2024
      Incremental cash collections · 2024 to 2026 at least $100M
      Prior guidance period ended · from the 8-K filed Feb 19, 2025
      Portfolio investments · full year 2025 $1.2B
      Cash efficiency ratio · full year 2025 at least 60%
      Return on average tangible equity · full year 2025 12%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 3 · 2
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +13% Bullish
      Price vs 50-day avg
      +4% Bullish
      RSI (14)
      52 Neutral
      MACD trend
      Negative Bearish
      52-week position
      74% Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $18 › 200d $17 — 50d above 200d
      Institutional flow Distributing
      -1% holders QoQ · +35 funds added
      Insider flow Flat
      No net insider activity over 90 days
      Short interest Falling
      2.13% of float · ▼ -1.5% MoM · 1.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      198 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $10 Now $19 · 74% Range high $22
      vs 200-day avg +13% vs 50-day avg +4%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Cash collections 558.55M Second Quarter 2026 filing —
      Portfolio purchases 296.57M Second Quarter 2026 filing —
      Return on average Total stockholders' equity (ROE) 22.6% Second Quarter 2026 filing —
      GAAP → non-GAAP reconciliation
      GAAP Total stockholders' equity - PRA Group, Inc. 1.02B
      -26.87M Goodwill
      -1.31M Other intangible assets
      = Average tangible equity 995.7M
      Estimated forward flow commitments 321.8M Q1 2026 —
      Total availability under the Company's credit facilities 996M Q1 2026 —
      Adjusted cash efficiency ratio non-GAAP 61.3% Full Year 2025 —
      Adjusted diluted earnings per share non-GAAP $1.84 2025 —
      GAAP → non-GAAP reconciliation
      GAAP Diluted earnings per share -$7.79
      +$9.63 Effect of adjusting items and dilutive shares
      = Adjusted diluted earnings per share $1.84
      Adjusted net income/(loss) attributable to PRA non-GAAP $72.58M 2025 —
      Adjusted operating expenses non-GAAP $819.5M 2025 —
      Cash receipts $2.12B 2025 —
      Total availability under credit facilities $1.1B as of December 31, 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      PRAA
      Pra Group Inc
      this stock
      		$720.58M +8.2% +7.8% — 2.1%
      V
      Visa Inc.
      		 $680.94B +8.8% -4.9% — 1.2%
      MA
      Mastercard Inc
      		 $521.49B +4.3% +16.4% 32.7 0.8%
      AXP
      American Express Co
      		 $222.97B -9.9% +13.4% 20.1 1.6%
      COF
      Capital One Financial Corp
      		 $134.21B -11.0% +36.6% — 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      198
      % held
      94.8%
      Net QoQ
      -1.9M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      205
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      802.2K
      Days to cover
      1.6d
      Change
      -11.8K sh
      View
      Short Volume
      Short vol %
      45%
      As of
      Aug 31, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      2.6K
      Value
      $50.9K
      As of
      Aug 13, 2026
      View
      Off-Exchange
      Off-exchange %
      30.0%
      Week of
      Jul 27, 2026
      Off-exch Lit
      View
      Smart Money
      Congressional Trades Sell
      Member
      Gilbert Cisneros
      Amount
      $1.0K–$15.0K
      Traded
      Oct 19, 2020
      View
      Financials
      Financials
      Revenue (FY)
      $1.2B
      Net income (FY)
      $-305.1M
      EPS diluted
      $-7.79
      View
      Buybacks
      Authorized · 2 programs
      $300.0M
      View
      Filings
      SEC Filings
      Latest
      Investor Event Transcript
      Filed
      Aug 26, 2026
      This year
      10
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 26, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      PRAA -2.3% +10.2% +4.5% +10.2% +8.2%
      SPY +0.5% +3.0% +13.4% +3.0% +12.8%
      vs SPY -2.7% +7.2% -8.9% +7.2% -4.6%

      Capital returns

      Buyback programs · 2 active · as of Aug 3, 2026
      Authorized (total)
      $300.00M
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1185348 CUSIP 69354N106 13F (30d) 177 filings 175 filers Visit website Investor relations

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