PRA Group, Inc.
$20.05-2.9%YTD+12.9%1Y+25.5%
Price updated 13h ago·X counts updated 2d ago
On X
The complete picture of $PRAA on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.
5X posts · last 7 days
AI verdictAI analysisGenerated by AI from underlying data
TickerTalks' own read on what's driving $PRAA — fundamentals, momentum, or an event — and whether it agrees with the X crowd.
What it does
Plain-English summary of the business — what they sell and how they make money.
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
No material change from last week — AI-driven underwriting (Upstart, SoFi) and BNPL (Affirm, Klarna) continue reshaping consumer credit while Visa and Mastercard card networks hold on premium-spend mix.
What this means for $PRAA
Partial — Debt buyer acquiring and recovering defaulted consumer loan portfolios across the Americas, Europe, and Australia.
Industry benchmark
20-name peer basket
-13.4%YTD
-26.1%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$10.43$0.50+1986.0%
Next earningsMon, Nov 9·consensus EPS $0.80
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
FYRevenueRangeEPSRangeAnalysts
FY26$1.3B$1.2B – $1.4B$3.35$2.90 – $3.812
FY27$1.2B$1.2B – $1.3B$3.63$2.60 – $4.662
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.1.3×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.80%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.+5.6%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.+16.0%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 today1.6% 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.β1.115-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.
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-KOfficer or director changeSep 238-K — Item 5.02: Officer or director change
AI summary
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
8-KOfficer or director changeJun 238-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
AI summary
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
+ 10 other (4 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 Highlights Strong NPL Supply, Cost Cuts and $150M Buyback PlanPRA Group Highlights Strong NPL Supply, Cost Cuts and $150M Buyback Plan5 Low Price-to-Sales Stocks That Deserve Investor AttentionHere's Why PRA Group Stock Remains a Buy Despite Few Risks4 Stocks Trading Near 52-Week High With Room to Rise Further
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Voices on X · last 7 days
No standout posts about $PRAA on X in the last 7 days.