PRA Group Inc (PRAA) Stock AnalysisPRAAPRA Group Inc

PRA Group, Inc is a specialty finance company. The Company's primary business is the purchase, collection and management of nonperforming loan portfolios. Its operating segments include U.S. and European businesses. It purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them (core accounts). It also purchases loans in situations where the customer is involved in bankruptcy or similar proceedings (insolvency accounts). The Company, as part of an ancillary business, purchases and provides fee-based services for class-action claims recoveries in the United States. The types of Core and Insolvency loans we purchase include general purpose and private label credit cards, consumer loans, auto loans, overdrafts and small business loans. Non-performing loan portfolios are typically sold through formal sales processes in which bids are requested from a group of pre-qualified potential buyers. It operates in the Financials sector (SHORT-TERM BUSINESS CREDIT INSTITUTIONS industry).

PRA Group Inc is a good buy right now due to its current price of $20.03, a strong 1-year change of +47.17%, and a forward P/E of 11.57, suggesting it is undervalued relative to its earnings potential. The main risk is its negative net income in Q3 2025, which was -407.7 million USD, indicating volatility in earnings.

7 analysts cover PRAA: 3 rate it Buy, 3 Hold and 1 Sell. The average price target is 26.00.