PRA Group

PRAA · NASDAQ

$19.82+$0.20 (+1.02%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $19.62

PRAA analyst rating

BuyConsensus of 2 analysts over the last 12 months. 50% rate it a buy.

Strong buy0
Buy1
Hold1
Underperform0
Sell0

12-month price target · 3 analysts

Average $26.52 (+33.8% upside)

Low: $26.26
Now: $19.82
High: $27.30

Upgrades and downgrades

The latest rating actions, newest first

PRAA analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Citizens	Jan 28, 2026	Downgrade	Market Outperform → Market Perform	—	59%
Truist Securities	Nov 4, 2025	Maintains	Buy	$33.00 → $26.00	68%

The case for and against

Updated Apr 17, 2026

Bull case

PRA Group Inc. has demonstrated significant year-over-year growth, with legal cash collections rising 27% to $125 million in the third quarter and cash collections overall reaching $542 million, reflecting a 14% increase that exceeded projections. The company's portfolio income totaled $259 million, marking a 20% increase from the previous quarter, while total revenue rose 11% to $311 million, surpassing forecasts due in part to a substantial positive change in expected recoveries. Management's optimism is bolstered by expectations of continued stability in market volumes, particularly in the U.S., further supporting favorable future collections outcomes.

Bear case

PRA Group Inc. has demonstrated a concerning trend in revenue performance, with a 47% year-over-year decline in purchase volume in its Americas & Australia core segment, contrasting with a 33% increase in the Europe core segment. The company's average portfolio yield of 23% over the past five years falls significantly short of ECPG's 15% higher yield, raising concerns about its competitive position in the market. Furthermore, ongoing economic deterioration poses risks to cash collections, with current metrics revealing a decline in collections as a percentage of average receivables and persistently high cash efficiency ratios relative to ECPG, indicating a challenging operating environment.

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