What Is PRA Group, Inc. (PRAA) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, PRA Group, Inc.'s intrinsic value is estimated at $28.79, presenting a divided outlook at the current price of $18.29. With an average implied return of +57.4% across a split 5–4 (bull–bear) consensus, the model spread of +509.9% underscores analytical uncertainty. Notably, EPV sees the most upside at +423.4% (fair value: $95.73), while Bayesian DCF is the most conservative at -86.5% ($2.47). The spread between these extremes — +509.9% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About PRAA?
10 of 13 models are currently active for PRAA. Of these, 5 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates PRAA's intrinsic value at $2.47, implying -86.5% downside from the current price. See which stocks rank higher →
How Does PRAA Rank in Short-Term Business Credit Institutions?
Among 5 Short-Term Business Credit Institutions stocks, PRAA ranks #4 by Quality of Company score. CirclFi's QOC score of 6.8/10 evaluates 32 fundamental signals. A score of 6.8 indicates above-average quality.
The Short-Term Business Credit Institutions sector introduces analytical considerations specific to financial institution businesses. For PRA Group, Inc., metrics like deposit growth provide important context that general-purpose valuation models may underweight.
Is PRAA a Value Trap?
The Value Trap algorithm is not active for PRAA. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
10 of 13 models are active for PRA Group, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, PRA Group, Inc. scores 6.8 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +509.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PRAA valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PRAA's 10 active models, average confidence is 26%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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