PRAA

PRA GroupA

Nasdaq / Financial Services

At close

2026-07-22

Current thesis

The bull case is that Q4 confirmed improving operating traction: collections grew 13.6%, portfolio revenue rose, ERC reached a record $8.6 billion, and management described a more stable earnings platform despite the distortion from the prior goodwill impairment [#8-K-2026-02-26].

Posture

Constructive

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta +2.6.

What can break

Forward flow commitments and continued portfolio purchasing require disciplined funding and underwriting execution.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $23.00 · Bull $27.00 · Bear $18.00

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-28 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $26.00

Why

Momentum74 · Δ7d -2.5

Value40 · Δ7d +0.3

Sentiment74 · Δ7d +2.6

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Sentiment · See AI snapshot

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-2.5

Δ21d

+22.6

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

+1.3

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+2.6

Δ21d

+9.0

Why this grade

Composite grade A. Momentum 74.0 / Value 39.9 / Sentiment 74.0

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$665.94M

Beta

1.30

Shares Out

38.14M

P/E (TTM)

6.3

P/S (TTM)

0.59

P/FCF (TTM) · Derived

-52.62

Rev YoY

+15.4%

EPS YoY

+694.5%

Gross Margin

+66.6%

Op Margin

-2.0%

Net Debt

$3.73B

Current Ratio

34.62

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology