[Form 4] PRA Group, Inc. Insider Trading Activity

Rhea-AI Filing Summary

James Richard Owen, President - PRA Group Europe and a director/officer of PRA GROUP INC (PRAA), reported a transaction on 08/15/2025 related to common stock. The filing shows 1,844 shares were disposed of at a price of $16.51 per share. The filing explains these shares were withheld to cover tax liability arising from the vesting of restricted stock units. Following the transaction, the reporting person beneficially owns 68,584 shares, held directly. The Form 4 was signed by an attorney-in-fact on 08/18/2025.

Insights

Corporate Governance Expert

TL;DR Routine tax-withholding on RSU vesting; disclosure aligns with Section 16 reporting requirements and shows no new open-market sale intent.

The Form 4 discloses a tax-withholding disposition of 1,844 shares at $16.51 to satisfy tax obligations from vested RSUs. This is a common administrative action and the filing properly reports the change in beneficial ownership to 68,584 shares. The report is timely and executed by an attorney-in-fact, which is standard practice. There is no indication of additional derivative activity or broader changes in compensation structure in this filing.

Securities Analyst

TL;DR Small, non-market-motivated disposition tied to RSU vesting; impact on share count and investor view is minimal.

The reported disposition of 1,844 shares represents a tax-related withholding following RSU vesting rather than a discretionary sale. At a price of $16.51 the transaction value is modest relative to typical market-cap metrics for a public company. The post-transaction beneficial ownership of 68,584 shares remains disclosed, enabling transparent tracking of insider holdings. No options or other derivatives are reported.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

James Richard Owen

(Last) (First) (Middle)

120 CORPORATE BLVD

(Street)

NORFOLK VA 23502

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
PRA GROUP INC [ PRAA ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President - PRA Group Europe

3. Date of Earliest Transaction (Month/Day/Year)
08/15/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/15/2025	08/15/2025	F		1,844(1)	D	$16.51	68,584	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares withheld to cover tax liability associated with the vesting of restricted stock units.

Remarks:

	/s/ Christina Branch, Attorney-In-Fact	08/18/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transaction did PRAA insider James Richard Owen report?

The Form 4 reports a disposition of 1,844 shares on 08/15/2025 at $16.51 per share.

Why were the 1,844 PRAA shares disposed of?

The filing states the shares were withheld to cover tax liability associated with the vesting of restricted stock units.

How many PRAA shares does James Richard Owen beneficially own after the transaction?

Following the reported transaction the filing shows he beneficially owns 68,584 shares, held directly.

What is James Richard Owen's role at PRA Group (PRAA)?

He is listed as a Director and President - PRA Group Europe and is an officer of the issuer.

When was the Form 4 signed and by whom?

The Form 4 bears a signature by an attorney-in-fact, Christina Branch, dated 08/18/2025.