PRA Group (PRAA) stock

Nonperforming loans , market cap $769M

Nonperforming loans

Worth $769M

$11.96

-5.90%

As of Tuesday's close · Live for Pro members at the open

Why is PRAA down?

Down 5.9% today with lenders & credit stocks: 12 of 13 are down, 2.7% on average; the S&P 500 is down 0.4%.

Fell on Nov 6

Down 37% on Nov 6 while the S&P 500 rose 0.3%.

“The decrease reflects lower Changes in expected recoveries compared to the prior year, partially offset by higher Portfolio income.”

PRA's Nov 5 release said

Sources: Price history, Nov 6, 2026; Company release, Nov 5, 2026

−1Long-term trend below a rising 200-day average, down over one year, down over two years

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1 more reason, free with an account →4 more reasons why PRAA fell on Nov 6, from its filings, with the other side, the company's words, the timeline, and its peers, for Pro members.

Quality Score

Below Average

In its industry

#7of 13

Lenders & Credit

Checks firing

2of 14

Transition

From 52-week high

-47.0%

under its best in a year

PRAA's Quality Score was unchanged on Tue, Nov 10, at 4.

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Key facts on PRAA

Key facts on PRAA
Since its 2022 high	Down 75% profit $183.2M → $157.5M a year
Latest filing	10-Q, Nov 9 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind PRAA's 4, free with an account →2 more reasons behind PRAA's 4, for Pro members.

PRAA in the news

TodayWith its group.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

PRAA catalysts

Coming up

After its last 4 reports it closed -2.9% on average, higher 2 of 4 times.

How PRAA ranks in Lenders & Credit

PRAA is #7 of 13 by Quality Score.

How PRAA ranks in Lenders & Credit
Rank	Stock	Checks	Quality Score
1	ECPGEncore Capital	4/14	18
2	ATLCAtlanticus	2/14	12
3	AFRMAffirm	1/14	11
	OMFOneMain		Open for its score
	PICSPicS		Open for its score
	WRLDWorld Acceptance		Open for its score
7	PRAAPRA	2/14	4

Free cash flow over four quarters: PRAA -$49.2M, ECPG $151M.

When does PRAA report earnings, and what happens after?

Expected to report Thu Feb 25, after the close (in 107 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What PRAA reported on Nov 5, 2026

The quarter

Revenue of $286.3M, 8% less than a year ago.

“The decrease reflects lower Changes in expected recoveries compared to the prior year, partially offset by higher Portfolio income.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

Where the quarter's sales came from
Line	Q3 2026	Q2 2026	Q3 2025
By segment
United Statesdown 5.4%	$150M58%	$150M41%	$159M51%

Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 9)

1 more line, for Pro members.

The outlook

No outlook figures read from this release.

In the company's words

“Portfolio income in Q3 2026 increased 5% to $271 million, compared to $259 million in Q3 2025, driven by recent purchases in Europe.”

From its results filing (SEC filing · Nov 5)

1 more sentence, for Pro members.

The numbers

Market value: $769M; today
Sales: $1.3B; up 12.4% on the year
Free cash flow: -$49.2M; last 12 months

Sales grew 2.4% a year over 5 years, fiscal 2020 to 2025.

Its share count fell 3.1% a year over 5 years.

4 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on PRAA: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 4

+24.3%-8.1%+9.0%-36.7%

Feb 26May 7Aug 6Nov 5

Reported	When	Gap	Reaction	5 days
Nov 5, 2026After close	After close	-21.5%	-36.7%	not yet
Aug 6, 2026After close	After close	+12.0%	+9.0%	+11.6%
May 7, 2026After close	After close	-1.5%	-8.1%	-29.5%
Feb 26, 2026After close	After close	+20.6%	+24.3%	+48.9%

PRAA closed higher after 2 of its last 4 reports.

PRAA sales and profit by year

Sales and profit by year

Sales grew in five of the last seven years, to $1.2B in 2025. It lost money in 2025 after a profit in 2024.

PRAA has 2 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on PRAA, and all 14 on every stock.Get in free →

PRAA RSI today: 19.8, below its 50-day and 200-day averages

Not scored

RSI 19.8, MACD below signal, below both averages. Not scored.13 readings

The deep dive on PRAA

What it does and how it makes money4 findingsAn operating loss of $30.3M in fiscal 2025, on $1.20B of sales.Annual report, filed Mar 2, 2026
Where it stands4 findingsFor Pro members4 findings on where PRAA stands: its cash, debt, and share count, for Pro members
What changed in its filings1 finding"As of December 31, 2025, goodwill of $26.9 million related to our class action claims recoveries ('CCB') reporting unit." (10-K for fiscal 2025)SEC filing · Mar 2, 2026
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades PRAA, for Pro members
Against its closest peers1 peerFree cash flow over four quarters: PRAA -$49.2M, ECPG $151M.

9 more findings on PRAA, each with its source, for Pro members.

PRAA insider trades

PRAA trades by Congress and the executive branch

2 trades disclosed in the last six months. The newest:

SellDonald Trump$1K to $15KPresident (R)traded Jul 29, disclosed Sep 22(55 days later)

SellDonald TrumpPresident (R)$1K to $15Ktraded Jul 29, disclosed Sep 22(55 days later)

All 2 trades on PRAA disclosed by Congress and the executive branch, for Pro members.Get in free →

See what Congress is buying across the market

PRAA's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Martin SjolundPresident and CEO · no trades on file
Rakesh SehgalChief Financial Officer · no trades on file
LaTisha Owens TarrantGeneral Counsel & CHRO · no trades on file
Richard Owen JamesPresident - PRA Group Europe · no trades on file
Adrian M. ButlerDirector · no trades on file
Brett Lee PaschkeDirector · no trades on file
Geir OlsenDirector · no trades on file
Jayne-Anne GadhiaDirector · no trades on file

3 more officers and directors file at PRAA.

See insider trades by person

Which ETFs hold PRAA?

In ETFs: PRAA is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.

About PRA Group

PRA Group Inc is a specialty finance company engaged in the purchase, collection, and management of nonperforming loan portfolios. The majority of the loans it purchases are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them (Core accounts). To a lesser extent, the company also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding (Insolvency accounts). As part of an ancillary business, it also purchases and provides fee-based services for class action claims recoveries in the U.S. The company has two operating and reportable segments, comprised of its U.S. and European businesses. The majority of its revenue is generated from the United States.

2,615 employeesNorfolk, VApragroup.com

What PRA Group says it competes with

“Competition is derived primarily from other debt purchasers that either manage their own nonperforming loans or outsource such services.”

From its annual report, SEC filing · Mar 2, 2026

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What would turn PRAA's score around: 6 things
6 more filings explained, a plain line each
1 more thing pulling PRAA's score down

BreakawaySep 22Donald Trump sold PRAA$1K to $15K, disclosed Sep 22

Alerts are optional.

See PRAA's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: PRAA's Quality Score is 4 (Below Average), #7 of 13 in Lenders & Credit.

What does PRAA's Quality Score say?

PRAA scores 4 today, which Breakaway calls Below Average. It is #7 of 13 in Lenders & Credit by Quality Score, with 2 of 14 chart checks firing. Down 37% on Nov 6 while the S&P 500 rose 0.3%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is PRAA's Quality Score?

PRAA scores 4 today, which Breakaway calls Below Average (0 to 5). That is #7 of 13 in Lenders & Credit by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind PRAA's 4.

When does PRAA report earnings?

Expected to report Thu Feb 25, after the close, a date Breakaway expects from the company's usual timing; the company has not confirmed it. PRAA closed higher after 2 of its last 4 reports. Past behavior, not a forecast.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.