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PRA GroupPRAA -4.14%61 3-1 Month Momentum % is -30.02% as of Jul. 21, 2026. GuruFocus rates PRAA with a GF Score™ of 61/100 and a GF Value™ of $26.15 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 554 Credit Services companies, PRA Group ranks worse than 95.13% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-21), PRA Group's 3-1 Month Momentum % is -30.02%.
The industry rank for PRA Group's 3-1 Month Momentum % or its related term are showing as below:
PRAA's 3-1 Month Momentum % is ranked worse than 95.13% of 554
companies
in the Credit Services industry
Industry Median: -2.7
vs PRAA: -30.02
PRA Group (NAS:PRAA) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
PRA Group 3-1 Month Momentum % Related Terms
PRAA vs GDOT, OPFI, NAVI: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, PRA Group's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PRA Group 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where PRA Group's 3-1 Month Momentum % falls into.
PRA Group (NAS:PRAA) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PRA Group (PRAA) has a 3-1 Month Momentum % of -30.02% as of Jul. 21, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on PRA Group and its competitors. According to the industry distribution chart, PRA Group ranks #527 out of 554 companies in the Credit Services industry, placing it in the top 95.1%.
Is PRA Group's 3-1 Month Momentum % too high?
PRA Group's current 3-1 Month Momentum % is -30.02%. Based on the distribution chart, PRA Group ranks #527 out of 554 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PRA Group has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PRA Group's 3-1 Month Momentum % compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #527 out of 554 companies for 3-1 Month Momentum %. This places PRA Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
A good 3-1 Month Momentum % depends on the Credit Services industry context. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on PRA Group and its competitors. PRA Group's current 3-1 Month Momentum % is -30.02%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PRA Group stock overvalued right now?
Based on GuruFocus' analysis, PRA Group (PRAA) is currently considered Possible Value Trap. The stock's GF Value™ is $26.15, compared to a current price of $17.37 — trading 33.6% below its estimated fair value. The current 3-1 Month Momentum % is -30.02%. PRA Group's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For PRA Group (PRAA), the current 3-1 Month Momentum % is -30.02% as of Jul. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PRA Group (PRAA) Overvalued in 2026?
Based on GuruFocus' analysis, PRA Group stock appears to be undervalued.
The current stock price of $17.37 is trading 33.6% below its estimated GF Value™ of $26.15.
GuruFocus considers PRA Group to be Possible Value Trap.
Key valuation signals for PRAA:
3-1 Month Momentum %: -30.02%
GF Value™: $26.15 vs. price of $17.37 (33.6% below fair value)
No single metric tells the full story. See the PRAA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PRA Group Inc is a specialty finance company engaged in the purchase, collection, and management of nonperforming loan portfolios. The majority of the loans it purchases are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them (Core accounts). To a lesser extent, the company also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding (Insolvency accounts). As part of an ancillary business, it also purchases and provides fee-based services for class action claims recoveries in the U.S. The company has two operating and reportable segments, comprised of its U.S. and European businesses. The majority of its revenue is generated from the United States.
61GF Score
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