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PRAA Should I Buy

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Intellectia

Should You Buy PRA Group Inc (PRAA) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion
Hold
Latest Price
20.360
1 Day change
2.62%
52 Week Range
22.010
Analysis Updated At
2026/04/10
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PRA Group Inc (PRAA) is not a strong buy at the moment for a beginner investor with a long-term focus. While the company has shown significant financial improvement in the latest quarter, the technical indicators suggest the stock is overbought, and analysts have downgraded the stock due to concerns about its profitability and revenue generation capabilities. Additionally, there are no significant positive trading signals or catalysts to support a buy decision right now.

Technical Analysis

The stock is currently in an overbought condition with an RSI of 81.155, indicating potential for a pullback. The MACD is positive and expanding, suggesting bullish momentum. Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), and the pre-market price is near resistance levels (R2: 19.514).

Options Data

Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
5
Buy
9

Positive Catalysts

  • The company's financials for Q4 2025 show strong growth, with revenue up 15.57% YoY, net income up 206.29% YoY, and EPS up 210.64% YoY.

Neutral/Negative Catalysts

  • Analysts have downgraded the stock due to concerns about profitability and revenue generation. No significant news, hedge fund activity, insider trading, or congress trading data to suggest a positive sentiment. The stock is overbought based on RSI, and there are no strong trading signals like AI Stock Picker or SwingMax.

Financial Performance

In Q4 2025, PRA Group reported revenue of $272.5M (up 15.57% YoY), net income of $56.53M (up 206.29% YoY), and EPS of 1.46 (up 210.64% YoY). This indicates strong financial growth, but concerns about long-term profitability remain.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Citizens downgraded PRA Group to Market Perform from Outperform, citing balanced risk/reward and concerns about profitability. No price target was provided.

Wall Street analysts forecast PRAA stock price to rise
1 Analyst Rating
Wall Street analysts forecast PRAA stock price to rise
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 20.480
sliders
Low
26
Averages
26
High
26
Current: 20.480
sliders
Low
26
Averages
26
High
26
Citizens
Outperform -> Market Perform
downgrade
AI Analysis
2026-01-28
Reason
Citizens
Price Target
AI Analysis
2026-01-28
downgrade
Outperform -> Market Perform
Reason
Citizens downgraded PRA Group to Market Perform from Outperform without a price target. The firm sees the stock's risk/reward as balanced at current levels. While the stock's 35% discount to tangible book value "offers a degree of downside protection," PRA's business appears to be several years away from delivering consistent profitability, the analyst tells investors in a research note. Citizens says the portfolio's gross yield and most recent purchases do not generate enough revenue to cover cash operating expenses and funding costs.
Truist
Mark Hughes
Buy
downgrade
$33 -> $26
2025-11-04
Reason
Truist
Mark Hughes
Price Target
$33 -> $26
2025-11-04
downgrade
Buy
Reason
Truist analyst Mark Hughes lowered the firm's price target on PRA Group to $26 from $33 but keeps a Buy rating on the shares after its Q3 earnings beat. The firm is citing slightly better cash efficiency being offset by marginally slower revenue growth, the analyst tells investors in a research note.
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