PRA Group, Inc. (PRAA) Fair Value 2026

PRAA · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.4 /10

32 fundamental signals · 2 models active

Value Trap Risk

LOW (26/100)

Quick Summary — As of 2026-08-27, PRA Group, Inc. (PRAA) trades at $19.29, versus a $17.66 median fair value across its 2 active models — 8.5% below the current price. QOC: 6.4/10. Value Trap Risk: 26/100 (LOW). 2/13 models active.

Key Facts

Ticker
PRAA
Price
$19.29
Quality Score
6.4/10
Value Trap Risk
26/100
Models Active
2/13
Last Updated
Strength: Regime Cross-Sectional suggests +0.1% upside with 41% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Is PRA Group, Inc. (PRAA) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, PRA Group, Inc. (PRAA) appears fairly valued as of : the median of 2 independent fair value estimates is $17.66, within 8.5% of the current price of $19.29. Estimates range from $16.01 to $19.30. PRAA scores 6.4/10 on fundamental quality and 26/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. PRAA’s -8.5% gap is narrower than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy PRA Group, Inc. Stock in 2026? →

What Fair Value Does Each Model Give PRAA?

2 Intrinsic Value Models vs. Current Price ($19.29)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $16.01 -17.0%
Relative · Medium Conviction
 $19.30 +0.1%

All Models Active

All 2 models are displayed above.

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 $17.66, presenting a divided outlook at the current price of $19.29. With a median implied return of -8.5% across a split 0–1 (bull–bear) consensus, the model spread of +17.1% underscores analytical uncertainty.

What Do the Models Say About PRAA?

2 of 13 models are currently active for PRAA. Of these, 1 model suggests upside while 1 model suggests overvaluation. Taken together, their median fair value for PRAA is $17.66 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PRAA Rank in Credit Services?

Among 54 Credit Services stocks, PRAA ranks #42 by Quality of Company score. CirclFi's QOC score of 6.4/10 evaluates 32 fundamental signals. A score of 6.4 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

The Credit Services 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?

CirclFi's Value Trap algorithm assigns PRAA a score of 26/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for PRA Group, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, PRA Group, Inc. scores 6.4 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.

Models cluster within a tight range (+17.1% spread), increasing conviction. 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 2 active models, average confidence is 52%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy PRA Group, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

10 related Credit Services stocks with 13-model coverage

NAVINavient CorporationQOC 6.5JFJ and Friends Holdings LimitedQOC 5.9WRLDWorld Acceptance CorporationQOC 6.8KLARKlarna Group plcQOC 5.6SOFISoFi Technologies, Inc.QOC 6.9FOAFinance of America Companies Inc.QOC 5.6JFINJiayin Group Inc.QOC 9.4MFINMedallion Financial Corp.QOC 8.1CPSSConsumer Portfolio Services, Inc.QOC 7.5MAMastercard IncorporatedQOC 9.1

Read investment analysis: NAVI · JF · WRLD · KLAR · SOFI · FOA · JFIN · MFIN · CPSS · MA

Which Other Stocks Have a Similar Quality Score to PRAA?

7 companies across all industries closest to PRAA’s Quality of Company score of 6.4/10.

AREAlexandria Real Estate Equities, Inc.QOC 6.4NVRIEnviri CorporationQOC 6.4BBIOBridgeBio Pharma, Inc.QOC 6.4ITPIT Tech Packaging, Inc.QOC 6.4GSBDGoldman Sachs BDC, Inc.QOC 6.4UUUUEnergy Fuels Inc.QOC 6.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: ARE · NVRI · BBIO · ITP · GSBD · UUUU · NVDA

Where Does PRAA Sit in CirclFi's Credit Services Rankings?

PRAA is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About PRA Group, Inc.’s Valuation?

What is PRA Group, Inc.'s intrinsic value in 2026?

CirclFi puts PRA Group, Inc. (PRAA)'s intrinsic value at $17.66 — the median of 2 independent model estimates as of 2026-08-27, ranging from $16.01 to $19.30. The Quality of Company score is 6.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PRAA overvalued or undervalued right now?

At $19.29, 1 of 2 active models suggest PRAA may be undervalued, while 1 indicate potential overvaluation. The median of all 2 fair value estimates is $17.66, within 8.5% of the current price of $19.29 — a consensus view that PRAA is fairly valued. The assessment depends on which methodology best fits PRA Group, Inc.'s business model in Credit Services.

What does a Quality of Company score of 6.4 mean for PRAA?

PRA Group, Inc.'s QOC of 6.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on PRAA?

CirclFi analyzes PRAA with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is PRAA a value trap in 2026?

PRA Group, Inc.'s Value Trap score is 26/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, PRA Group, Inc. (PRAA) has a median fair value of $17.66 — within 8.5% of the current price of $19.29 — as of 2026-08-27.” Source: circlfi.com/stock/PRAA/ · Methodology
Primary sources for this PRAA valuation
  • Financial statements: PRA Group, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001185348) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for PRAA as of ; valuations recomputed .