PRAA
PRA Group, Inc. Financial Services - Debt Purchasing Investor Relations →
PRA Group, Inc. (PRAA) closed at $14.94 as of 2026-06-19, trading 33.8% below its 200-week moving average of $22.57. This places PRAA in the extreme value zone. The stock is currently moving closer to the line, down from -30.9% last week. The 14-week RSI sits at 45, indicating neutral momentum.
A big spike in selling this week — 4.9x the usual volume, and the price dropped. Sometimes this kind of heavy selling marks the end of a decline. The idea is that the last reluctant holders have finally sold, leaving fewer sellers left to push the price lower.
Over the past 1184 weeks of data, PRAA has crossed below its 200-week moving average 16 times. On average, these episodes lasted 30 weeks. Historically, investors who bought PRAA at the start of these episodes saw an average one-year return of +8.0%.
With a market cap of $570 million, PRAA is a small-cap stock. Free cash flow yield is currently negative, meaning the company is burning cash. Return on equity stands at -22.8%. The stock trades at 0.6x book value.
Over the past 22.8 years, a hypothetical investment of $100 in PRAA would have grown to $177, compared to $1076 for the S&P 500. PRAA has returned 2.5% annualized vs 11.0% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: PRAA vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After PRAA Crosses Below the Line?
Across 16 historical episodes, buying PRAA when it crossed below its 200-week moving average produced an average return of +10.1% after 12 months (median +26.0%), compared to +7.2% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was +33.2% vs +20.6% for the index.
Each line shows $100 invested at the moment PRAA crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. PRAA currently has negative free cash flow, so price-based dislocation levels are not available. The score still tracks yield deviation from baseline.
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from PRAA's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
PRAA has crossed below its 200-week MA 16 times with an average 1-year return of +8.0% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Oct 2003 | Oct 2003 | 2 | 3.6% | +42.4% | +94.1% |
| Jan 2004 | Jan 2004 | 1 | 1.0% | +52.8% | +87.1% |
| Feb 2004 | Mar 2004 | 1 | 0.3% | +53.8% | +84.8% |
| May 2004 | May 2004 | 2 | 3.0% | +40.1% | +82.8% |
| Nov 2007 | Mar 2008 | 19 | 29.1% | -14.6% | +15.7% |
| Apr 2008 | Apr 2008 | 3 | 2.1% | -20.0% | +10.3% |
| May 2008 | Sep 2008 | 17 | 14.9% | -19.6% | +9.9% |
| Oct 2008 | Jul 2009 | 41 | 52.3% | +42.7% | +31.1% |
| Nov 2015 | Jul 2018 | 139 | 53.0% | -31.3% | -66.8% |
| Jul 2018 | Aug 2019 | 56 | 39.4% | -23.1% | -61.4% |
| Mar 2020 | May 2020 | 11 | 40.1% | +17.9% | -54.1% |
| Oct 2020 | Nov 2020 | 1 | 0.7% | +25.6% | -56.2% |
| Jan 2021 | Feb 2021 | 2 | 4.3% | +40.5% | -55.7% |
| May 2022 | Jun 2022 | 3 | 1.8% | -42.2% | -59.1% |
| Aug 2022 | Jan 2023 | 21 | 17.3% | -45.5% | -58.7% |
| Apr 2023 | Ongoing | 166+ | 65.3% | Ongoing | -60.5% |
| Average | 30 | — | +8.0% | — |
Frequently Asked Questions
Is PRAA below its 200-week moving average?
Yes. As of 2026-06-19, PRA Group, Inc. (PRAA) is trading 33.8% below its 200-week moving average of $22.57. The current price is $14.94.
What is PRAA's 200-week moving average price?
PRA Group, Inc.'s 200-week moving average is $22.57 as of 2026-06-19. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when PRAA drops below its 200-week moving average?
PRAA has crossed below its 200-week moving average 16 times in our data. On average, buying at that moment produced a one-year return of +8.0%. These dips have historically been decent entry points. These episodes lasted 30 weeks on average.
Is PRAA a good value right now?
Here's what our data says about PRAA as of 2026-06-19: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 45. Free cash flow is currently negative. Return on equity is -22.8%. Price-to-book is 0.6x. This is not a buy or sell recommendation — always do your own research.
How does PRAA compare to the S&P 500?
Over the past 22.8 years, $100 invested in PRAA would have grown to $177, compared to $1076 for the S&P 500. That's 2.5% annualized vs 11.0% for the index. PRAA has underperformed the broader market over this period.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-06-19