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Stock Ratings / Financials / PRAA
SWRD (54) HQH (54) BST (49) NCZ (44) ⌘ Pro Terminal →

PRA Group Inc. (PRAA) — RQD Stock Rating Cockpit

$19.74 +1.28% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.75

PRA Group Inc. (PRAA) carries a Roarable Rating of D- (Sell) with 35/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $733.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PRAA Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PRAA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, PRA Group Inc. (NASDAQ: PRAA) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $19.74 (+1.28% 1D, market cap $733.8M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, PRAA ranks #974 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PRAA compare to SWRD and HQH in the Financials sector?
▼

Within the Financials sector (Finance Companies), PRAA carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.7%. By comparison, SWRD (Stewards Inc) holds a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $672.4M) and HQH (abrdn Healthcare Investors) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $1.01B). Among the 5-stock peer group, PRAA leads on earnings multiple (N/A) while PRAA leads on capital efficiency (-2.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PRAA?
▼

Per PRAA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001185348), PRA Group Inc. generated $1.20B in revenue (+7.8% YoY), -$305.0M in net income, and -$90.4M in free cash flow against $5.10B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $19.75 (+0.04%)🧬 Dilution Drag (+2.48% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (35/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.5% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510035
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E · Rk D-
Cash (7)Whales (10)SEC (8)Macro (7)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-10.3% Base Target
$24 Bull$18 Base$14 Bear
📬 FREE PRAA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PRAA)Realized 20D OHLCV Swing Band: ±7.7%
Deterministic 5-Pillar Attribution (35/100 Composite)
🔍 WHY PRAA SCORES 35/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+10/20 pts (29% of score)

20D Institutional Volume Accumulation (±7.7% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
43
Grade D$20.47-3.2% Next Q
Q2 (-2Q)
40
Grade D$19.82-3.1% Next Q
Q3 (-1Q)
38
Grade E$19.20+2.8% Next Q
Current
35
Grade D-$19.74-8.5% Hist 90D α
Trajectory: D (43) → D- (35)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PRAA Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PRAA currently carries a cautious 35/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($19.64) and Max Pain ($20.73) forces dealer call-delta covering toward $23.68.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PRAA• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PRAA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 35%NO 65%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
48.130 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
2 / 99-Pt Accounting
52-WEEK LASER RANGE77% OF RANGE
L: $10$19.74H: $23
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 7 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 13 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 15 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bearish Warning on PRAA

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (35)

-2.7% ROIC with 42.0% gross margin and -11.98% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (40)

Altman-Z 4.20 and Piotroski 2/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (33)

13/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like PRAA
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PRAA)

  • ✓Walkthrough of PRAA's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PRAA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -7.71%🛡️ HOLDING TREND SUPPORT
2026-11-03O $20.04H $20.04L $19.49C $19.74VOL 259.4K
RES: $21.10SUP: $19.25SMA50: $19.64SMA200: $17.61
$22.93$20.50$18.07$15.64$13.22RES $21.10SUP $19.25$19.742026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PRAA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PRAA Butterfly Map → + Track PRAA →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +7.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PRAA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PRAA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PRAA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PRAA)

Financials Rank #974 of 1097 ⚔️ SWRD vs PRAA Full Matrix →

1. Head-to-Head Financials Peer Comparison (PRAA vs. SWRD, HQH, BST, NCZ)

Industry: Finance Companies (27 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, PRA Group Inc. (PRAA) ranks #974 by composite RQD confidence (35/100, grade D-) and #613 by equity capitalization ($733.8M). Within this direct 5-issuer industry benchmark cohort, PRAA leads on earnings valuation at N/A trailing P/E, while PRAA leads on capital efficiency and profitability with -2.7% ROIC and — gross margin. SWRD currently holds the highest overall quantitative score in the immediate peer group at 54/100 (D+) compared with PRAA at 35/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PRAA ACTIVE
PRA Group Inc.
D- 35/100 — — -2.7% +1.28% $733.8M Benchmark Subject
SWRD
Stewards Inc
D+ 54/100 — — — +3.02% $672.4M /swrd-vs-praa →
HQH
abrdn Healthcare Investors
D+ 54/100 — — — -1.87% $1.01B /hqh-vs-praa →
BST
BlackRock Science and Technology Trust of
D 49/100 — — — -0.97% $1.03B /bst-vs-praa →
NCZ
Virtus Convertible & Income Fund II of
D 44/100 — — — -0.07% $1.07B /ncz-vs-praa →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001185348 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PRA Group Inc. (PRAA) reported GAAP revenue of $1.20B (+7.8% vs. FY2024 revenue of $1.11B , and +49.8% cumulative change since FY2023) , GAAP net income of -$305.0M, operating cash flow of -$85.5M, and free cash flow of -$90.4M (+8.4% YoY). On the balance sheet, PRAA closed FY2025 with $5.10B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.20B -$305.0M -$85.5M -$90.4M $5.10B —
FY2024 (FY) 2024-12-31 $1.11B $71.0M -$94.6M -$98.6M $4.93B —
FY2023 (FY) 2023-12-31 $802.6M -$83.0M -$97.5M -$97.5M — —

3. PRAA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PRAA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, PRA Group Inc. (NASDAQ: PRAA) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $19.74 (+1.28% 1D, market cap $733.8M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 3/20. Across 1097 tracked Financials issuers, PRAA ranks #974 in composite RQD confidence.

How does PRAA compare to SWRD and HQH in the Financials sector?

Within the Financials sector (Finance Companies), PRAA carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.7%. By comparison, SWRD (Stewards Inc) holds a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $672.4M) and HQH (abrdn Healthcare Investors) posts a D+ grade (54/100 RQD, P/E N/A, ROIC —, cap $1.01B). Among the 5-stock peer group, PRAA leads on earnings multiple (N/A) while PRAA leads on capital efficiency (-2.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PRAA?

Per PRAA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001185348), PRA Group Inc. generated $1.20B in revenue (+7.8% YoY), -$305.0M in net income, and -$90.4M in free cash flow against $5.10B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PRAA trading relative to its 50-day, 200-day, and 52-week technical levels?

PRAA last traded at $19.74 (+1.28% on volume of 260,270 shares), positioning the stock +0.51% above its 50-day simple moving average ($19.64) and +12.10% above its 200-day simple moving average ($17.61). Across its 52-week range of $10.25 to $22.55, PRAA sits at the 77.2% percentile with a 14-day RSI of 48.1 (NEUTRAL RANGE) and an implied next-earnings move of ±7.7% ($18.22 to $21.26).

Direct Sub-Reports: PRAA RQD Cockpit PRAA 12M Forecast PRAA Earnings & Move PRAA Dividends & DRIP PRAA Insiders & 13F PRAA Whale Options PRAA Profit Sankey PRAA News & Why
ROARABLE RATING BRIEF • RQD 35/100 (D-) ✓ SEC XBRL & RQD VERIFIED

PRAA — PRA Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

PRA Group Inc. (PRAA) earns a live Roarable RQD composite score of 35/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $19.74 (+1.28% 1D, market capitalization $733.8M).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of -2.7%, gross margin of —, operating margin of -2.5%, and free cash flow yield of -11.98%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (8/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 2/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

PRA Group Inc. Is a NASDAQ-listed company classified in the Financials sector and the Finance Companies industry. Reported revenue is $1.20B for FY 2025 . Operating margin is -2.5% and net margin is -25.4% per the market data section.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), PRA Group Inc. (PRAA) reported $1.20B in annual revenue (up from $1.11B in FY2024, +7.8% YoY) and -$305.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($802.6M revenue, -$83.0M net income) through FY2025, PRAA scaled operating cash flow to -$85.5M and free cash flow to -$90.4M, backed by $5.10B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 35/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of -11.98% and institutional whale pillar of 10/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $10.25 – $22.55 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -2.5% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance Companies (Financials), PRAA carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can PRAA sustain or expand its -2.5% operating margin and -2.7% ROIC against Finance Companies peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.20B and free cash flow of -$90.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PRAA's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PRAA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for PRA Group Inc. (PRAA) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PRAA Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PRAA Bull vs. Bear Conversation Board — What's Your Call at $19.74?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PRAA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PRAA:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $23.97 (+23.0%)
📌 Pinned Debate

Revenue grew from $802.6M in FY 2023 to $1.20B in FY 2025 and the stock trades 0.86 of the way up its $10.25–$22.55 52-week range.

The street is overcomplicating PRA Group Inc. (PRAA). Revenue grew from $802.6M in FY 2023 to $1.20B in FY 2025 and the stock trades 0.86 of the way up its $10.25–$22.55 52-week range.. With an RQD score of 35/100 (D-) and Forensic Balance Sheet at 8/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $21.05.

EarningsSniper 🐂 BULL

@BearTrap_Alert Shorting a 10/20 institutional whale-flow stock at $19.49 is dangerous when funds are rotating into Financials.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $14.62 (-25.0%)
Spot @ $19.49

Free cash flow is negative in every reported period, ROIC is -2.7%, and the Piotroski F-Score is 2/9.

I respect the product at PRA Group Inc., but the stock at $19.49 is a different story. Free cash flow is negative in every reported period, ROIC is -2.7%, and the Piotroski F-Score is 2/9.. FCF yield is -11.98% and RQD sits at 35/100 (D-) — why pay up here when you can wait for next quarter's numbers?

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