PRA Group (NASDAQ: PRAA) executive reports 1,086-share tax-withholding disposition

Rhea-AI Filing Summary

PRA Group Inc. executive James Richard Owen reported a routine tax-withholding transaction related to equity compensation. On this Form 4, 1,086 shares of Common Stock were disposed of at $15.65 per share to cover the tax liability tied to vesting restricted stock units. This was a tax-withholding disposition, not an open-market sale, and Owen’s direct holdings after the transaction were 95,270 shares of Common Stock.

Insights

Insider transactions analyst

Routine tax-withholding on RSU vesting with sizable holdings retained.

The filing shows 1,086 PRA Group Inc. Common Stock shares were disposed of at $15.65 per share to satisfy tax obligations from restricted stock unit vesting. Code F identifies this as payment of tax liability by delivering securities.

This type of disposition is mechanical compensation administration rather than an open-market sale and usually carries limited informational value about the insider’s view of the stock. Following the transaction, James Richard Owen directly held 95,270 shares, indicating he retains a substantial equity stake.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider James Richard Owen

Role President - PRA Group Europe

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	1,086	$15.65	$17K

Holdings After Transaction: Common Stock — 95,270 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Shares withheld for taxes: 1,086 shares Reported transaction price: $15.65 per share Shares held after transaction: 95,270 shares

3 metrics

Shares withheld for taxes 1,086 shares Tax-withholding disposition on Common Stock

Reported transaction price $15.65 per share Price used for tax-withholding disposition

Shares held after transaction 95,270 shares Direct Common Stock holdings following Form 4 event

Key Terms

tax-withholding disposition, restricted stock units, Common Stock, Form 4

4 terms

tax-withholding disposition financial

"The filing shows 1,086 PRA Group Inc. Common Stock shares were disposed of at $15.65 per share to satisfy tax obligations."

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

restricted stock units financial

"Reflects the number of shares withheld to cover the tax liability associated with the vesting of restricted stock units."

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

Common Stock financial

"The filing shows 1,086 PRA Group Inc. Common Stock shares were disposed of at $15.65 per share to satisfy tax obligations."

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Form 4 regulatory

"On this Form 4, 1,086 shares of Common Stock were disposed of at $15.65 per share to cover the tax liability tied to vesting restricted stock units."

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

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Form 4 Insider Transactions: What Each Field Means →

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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 VIRGINIA 23502

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/17/2026

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

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

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

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	06/17/2026	06/17/2026	F		1,086(1)	D	$15.65	95,270	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. Reflects the number of shares withheld to cover the tax liability associated with the vesting of restricted stock units.

Remarks:

	/s/ Christina Branch, Attorney-In-Fact	06/18/2026
	** 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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did PRAA executive James Richard Owen report?

James Richard Owen reported a tax-withholding disposition of 1,086 PRA Group Inc. Common Stock shares. The shares were used to cover taxes triggered by the vesting of restricted stock units, rather than being sold in an open market transaction.

How many PRAA shares were withheld for James Richard Owen’s taxes?

A total of 1,086 Common Stock shares were withheld to cover James Richard Owen’s tax liability. The shares are tied to the vesting of restricted stock units, and the disposition was recorded at a price of $15.65 per share.

What price per share was used in James Richard Owen’s PRAA tax-withholding transaction?

The Form 4 lists a transaction price of $15.65 per share for the 1,086 PRA Group Inc. shares withheld. This price is used for reporting the value of the shares applied toward the tax liability from restricted stock unit vesting.

How many PRA Group (PRAA) shares does James Richard Owen hold after this Form 4?

After the tax-withholding disposition, James Richard Owen directly holds 95,270 PRA Group Inc. Common Stock shares. This post-transaction balance shows he maintains a significant equity position despite the shares applied toward his tax obligation.

Was James Richard Owen’s PRAA Form 4 transaction an open-market sale?

No, the transaction was not an open-market sale. It is coded F, meaning shares were delivered to cover a tax liability associated with restricted stock unit vesting, a routine compensation-related event rather than a discretionary sale in the market.