PRA Group, Inc. (PRAA)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$20.42+1.19%
Close 2026-11-05 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · PRAA
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -51.5% |
| Our one-year growth estimate | diamond | -5.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 45.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 27 industry peers · Company calendar date is not available
PRAA — earnings miss
Dated 2026-11-05
Results of Operations and Financial Condition. On November 5, 2026, PRA Group, Inc. (the “Company”) issued a press release announcing its third quarter 2026 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this
Why it matters: PRA needs new loan portfolios to keep future collections growing. Management said it will keep to its return limits.
Watch forQ3 portfolio purchases are at least $297 million, without a lower stated return bar.
Also watch forQ3 purchases fall below $220 million, the Q1 2026 level, or management cites weak returns as the cause.
Why it matters: The $400 million notes repay revolving debt but carry an 8.500% rate. Q3 results can show the effect on interest costs.
Worry ifQ3 net interest expense rises above $64 million, the Q2 2026 level, after the notes issue.
Less concerning ifQ3 net interest expense stays at or below $64 million.
Why it matters: Q2 collections rose 4% year over year. Another increase would support the cash growth trend.
Supportive ifQ3 cash collections exceed $559 million, the Q2 2026 level, and rise year over year.
Worry ifQ3 cash collections fall below $536 million, the Q2 2025 level.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$182 on $10,000 · ±1.8% | How much price usually moves either way. |
| Bad day | $454 loss on $10,000 · 4.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,234 loss on $10,000 · 42.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.