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PRAA

PRA GroupA
Nasdaq / Financial Services
Last Price
At close
2026-07-21
View Chart
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 +1.7.
What can break
Forward flow commitments and continued portfolio purchasing require disciplined funding and underwriting execution.
Momentum
77
Value
40
Sentiment
72
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $23.00 · Bull $27.00 · Bear $18.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $26.00
Why
Momentum77 · Δ7d -0.4
Value40 · Δ7d +0.0
Sentiment72 · Δ7d +1.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Sentiment · See AI snapshot
Momentum
77
26% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
+13.6
Value
40
39% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+1.0
Sentiment
72
34% active weight
Current posture
7d trendImproving
Δ7d
+1.7
Δ21d
+4.7
Why this grade

Composite grade A. Momentum 77.0 / Value 39.7 / Sentiment 71.6

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 2026-07-21 • Updated nightlySource: Internal modelMethodology