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Why PRAA Stock surged +3.14% Today — RQD Quant Desk Flash

$20.04 +3.14% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

PRA Group Inc. (PRAA) carries a Roarable Rating of D- (Sell) with 41/100 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 $754.5M

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERRED ALERT • D-

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

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-7.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PRAA)Realized 20D OHLCV Swing Band: ±8.1%

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Why PRAA Stock surged +3.14% Today — RQD Quant Desk Flash

PRA Group Inc. (PRAA) surged +3.14% to $20.04, trading at 80% of its 52-week range ($10.25 – $22.55). Stretched risk/reward at current multiples (-3% return on capital) under elevated 10-year interest-rate pressure.

▸Technical Tape: Trading at 80% of its 52-week range ($10.25 – $22.55) with RSI-14 at 48.1 (NEUTRAL RANGE).
▸Volatility Profile: Historical 20-day realized swing band of ±8.1% around $20.04 (no active unusual options sweep snapshot on file).
▸Fundamental Anchor: Roarable D- (Sell) backed by 52% gross margin and $0 annual free cash flow.

Live PRAA Headlines & Catalysts

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PRAA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -8.03%📐 WEDGE COMPRESSION COIL

2026-10-30O $20.07H $20.07L $19.21C $20.04VOL 259.4K

RES: $21.11SUP: $19.15SMA50: $19.65SMA200: $17.58

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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

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

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🎬 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 #971 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, PRA Group Inc. (PRAA) ranks #971 by composite RQD confidence (41/100, grade D-) and #611 by equity capitalization ($754.5M). 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. BST currently holds the highest overall quantitative score in the immediate peer group at 58/100 (D+) compared with PRAA at 41/100 (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-	41/100	—	—	-2.7%	+3.14%	$754.5M	Benchmark Subject
SWRD Stewards Inc	D	46/100	—	—	—	-6.95%	$694.9M	/swrd-vs-praa →
HQH abrdn Healthcare Investors	D+	57/100	—	—	—	+2.34%	$1.01B	/hqh-vs-praa →
BST BlackRock Science and Technology Trust of	D+	58/100	—	—	—	-0.63%	$1.08B	/bst-vs-praa →
NCZ Virtus Convertible & Income Fund II of	D	49/100	—	—	—	-1.38%	$1.09B	/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 2026-11-01, PRA Group Inc. (NASDAQ: PRAA) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $20.04 (+3.14% 1D, market cap $754.5M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 3/20. Across 1096 tracked Financials issuers, PRAA ranks #971 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- (41/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.7%. By comparison, SWRD (Stewards Inc) holds a D grade (46/100 RQD, P/E N/A, ROIC —, cap $694.9M) and HQH (abrdn Healthcare Investors) posts a D+ grade (57/100 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 $20.04 (+3.14% on volume of 510,300 shares), positioning the stock +1.98% above its 50-day simple moving average ($19.65) and +13.99% above its 200-day simple moving average ($17.58). Across its 52-week range of $10.25 to $22.55, PRAA sits at the 79.6% percentile with a 14-day RSI of 48.1 (NEUTRAL RANGE) and an implied next-earnings move of ±8.1% ($18.42 to $21.66).

PRAA Investor FAQ & Complete 8-Part Research Index

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Why is PRAA stock moving today?

Why PRAA Stock surged +3.14% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-3% return on capital) under elevated 10-year interest-rate pressure.

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