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PRPRAA

PRA Group, Inc.

$PRAA·$755M·Financial - Credit Services·Financial Services
$20.60+1.7%1Y+24.8%
Mentions · last 7 days
2026-08-08: 1 posts2026-08-09: 0 posts2026-08-10: 1 posts2026-08-11: 0 posts2026-08-12: 0 posts2026-08-13: 3 posts2026-08-14: 4 posts90%
Price updated 1d ago·X counts updated 1d ago
PRPRAA
$PRAAPRA Group, Inc.
$20.60+1.73%9 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $PRAA, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-13

The move is getting stronger, with heavier trading behind it.

PRA Group — global purchased-consumer-debt collector — Q2 EPS blew past consensus by 188% on strong portfolio income, running at 76% of 52-week range.

PRA Group buys defaulted consumer receivables (credit card balances, installment loans, judgments) at discount and collects them over time — a specialty-finance business earning on the spread between purchase price and eventual collections. Q2 was the second big beat in a row and the operating trajectory is inflected.

  • Q2 EPS came in at $1.51 versus consensus $0.53 (188% beat) on revenue of $372M growing 28% year over year — the pattern of massive EPS beats (188%, 43%, 192%, 6%) says the collections environment is running much better than analysts model, driven by the aging of the U.S. consumer credit cycle producing more collectable defaulted receivables.
  • Trades at effectively negative TTM P/E (-2.7x) because of a large Q3 2025 charge (-$10.43 EPS from a portfolio revaluation) — the forward math is more relevant, and analyst FY26 EPS at $2.52 gets you to a ~7-8x forward multiple that's cheap for a debt-collection business with 21% ROIC (adjusted for the one-off).
  • The tape confirms: at 76% of 52-week range with +13% above the 50-day and +18% above the 200-day — orderly institutional accumulation on the beat-and-raise pattern, and Zacks Rank has PRA at Top-Ranked Momentum status.
  • Purchased-debt-portfolio industry dynamics are supportive: U.S. credit-card delinquencies at multi-year highs create ample supply of defaulted receivables at attractive purchase multiples, and PRA's scale relative to smaller peers means better cost efficiency in collections operations.

What extends the move: Nov 2 Q3 earnings avoiding a repeat of the Q3 2025 charge plus continued 25%+ revenue growth — that combination defends the forward multiple and takes the stock through $22. What would invalidate accelerating: another large portfolio-revaluation charge, a regulatory shift (CFPB rulemaking on collections practices), or a European portfolio-collections slowdown.

What to watch: Nov 2 Q3 earnings — portfolio-collection revenue trajectory (needs to stay above 25%), any portfolio-revaluation-charge risk, and specific commentary on U.S. vs. European segment mix. Also monitor CFPB rulemaking on consumer debt collections and U.S. credit-card delinquency-rate data (Fed data releases).

On the calendar: 2026-11-02 — Q3 earnings

Read the AI verdict + X sentiment for $PRAA

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What it does

Plain-English summary of the business — what they sell and how they make money.

Debt buyer acquiring and recovering defaulted consumer loan portfolios across the Americas, Europe, and Australia.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $PRAA.

Financial - Credit Services · Financial Services

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

Industry benchmark

20-name peer basket
-1.7%YTD
-4.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-2.7How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
211%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
37.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-1.9%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-25.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
105%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 6, 2026$1.51$0.53+187.6%
Q1 2026May 7, 2026$0.73$0.51+43.1%
Q4 2025Feb 26, 2026$1.46$0.50+192.0%
Q3 2025Nov 3, 2025$0.53$0.50+6.0%
Next earningsMon, Nov 2·consensus EPS $1.07

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$372.5M+28.1%92.8%38.8%$1.51—
Q1 FY26$314.2M+15.5%63.6%35.6%$0.74$23.5M
Q4 FY25$363.3M+22.8%190%159%$1.46$-11.3M
Q3 FY25$314.1M+10.8%63.6%-100%$-10.43$-11.3M

Forward consensus

2-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.2B$1.2B – $1.3B$2.52$2.35 – $2.672
FY27$1.2B$1.2B – $1.3B$2.83$2.60 – $3.042

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.84%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+17.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+23.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 33.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.105-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

No open-market buys or sells in the last 180 days.

+ 19 other (11 awards · 8 inkinds) in window

See when $PRAA insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDAug 68-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD · Item 8.01: Other event
AI summary

PRAA (PRAA) reported Q2 2026 financial results on 2026-08-06, reporting financial results details in attached press release. Additional items: Item 7.01, Item 8.01. Quarterly earnings are a material disclosure; investors should review the full press release for segment details and management commentary.

8-KOfficer or director changeJun 238-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
AI summary

PRAA (PRAA) disclosed an officer or director change (Item 5.02) on 2026-06-23. Also disclosed: Item 5.07. Details: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers (e). Executive transitions are administrative disclosures; materiality depends on the seniority of the affected position. No new financial terms were disclosed in this filing.

8-KPress release / Reg FDMay 78-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
8-KMaterial agreementMay 58-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation · Item 7.01: Press release / Reg FD
8-KPress release / Reg FDFeb 268-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
+ 12 other (5 13Gs · 2 10-Qs · 2 proxys · 1 S-8) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

PRA Group Inc (PRAA) Stock Up 4.5% and Still Undervalued -- GF Score: 66/100gurufocus.com·3d agoPRA Group (PRAA) is a Top-Ranked Momentum Stock: Should You Buy?zacks.com·4d agoContrasting Oportun Financial (NASDAQ:OPRT) and PRA Group (NASDAQ:PRAA)defenseworld.net·4d agoPRA Group Q2 Earnings Beat Estimates on Strong Portfolio Incomezacks.com·6d agoPRA Group Q2 Earnings Call Highlightsmarketbeat.com·9d ago

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Voices on X · last 7 days

No standout posts about $PRAA on X in the last 7 days.

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