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

Rhea-AI Filing Summary

LaTisha O. Tarrant, General Counsel & CHRO of PRA Group, Inc. (PRAA), reported a transaction on 08/15/2025 showing a net disposition of 3,342 shares of PRA Group common stock at $16.51 per share. The filing states these shares were withheld to cover tax liability related to the vesting of restricted stock units. After this withholding, Ms. Tarrant beneficially owns 78,900 shares directly. The Form 4 is signed and dated 08/19/2025 and indicates the report was filed by one reporting person.

Positive

• Transparency maintained with timely Form 4 disclosure signed 08/19/2025
• Transaction tied to RSU tax withholding, indicating administrative action rather than opportunistic sale

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Routine tax-withholding disposition on RSU vesting by an officer; not a change in underlying ownership intent.

The filing documents a common administrative sale where 3,342 shares were withheld to satisfy tax obligations arising from vested restricted stock units. This action reduces the officer's share count but is explicitly tied to tax withholding rather than an open-market sale for liquidity. For governance and disclosure purposes, the transaction is standard and does not signal a change in executive commitment or a material shift in insider ownership policy.

Securities Analyst

TL;DR: Transaction is immaterial to overall capitalization; withholding decreased reported shares to 78,900.

From a market-impact perspective, the disposition of 3,342 shares at $16.51 is modest relative to total outstanding shares and stems from tax withholding on RSU vesting. The filing provides clear numbers: transaction date 08/15/2025, price per share $16.51, and post-transaction beneficial ownership of 78,900 shares. No derivative activity or additional dispositions are reported. This is a routine administrative disclosure with limited investor impact.

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^*

Tarrant LaTisha Owens

(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)
	General Counsel & CHRO

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		3,342(1)	D	$16.51	78,900	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/ LaTisha O. Tarrant	08/19/2025
	** 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 did LaTisha O. Tarrant report on Form 4 for PRAA?

She reported a disposition of 3,342 shares on 08/15/2025 at $16.51 per share, withheld to cover taxes from RSU vesting.

How many PRAA shares does LaTisha Tarrant own after the transaction?

She beneficially owns 78,900 shares directly following the reported transaction.

Why were the 3,342 shares disposed of according to the filing?

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

When was the Form 4 signed and filed?

The Form 4 bears the reporting person’s signature dated 08/19/2025 and lists the transaction date as 08/15/2025.

What is LaTisha Tarrant's role at PRA Group, Inc.?

The filing identifies her as the company's General Counsel & CHRO and an officer of PRA Group, Inc.