PRA Group exec has 1,844 shares withheld for taxes

PRA GROUP INC (PRAA) reported an insider transaction by James Richard Owen, President - PRA Group Europe.

Rhea-AI Filing Summary

PRA GROUP INC (PRAA) reported an insider transaction by James Richard Owen, President - PRA Group Europe. On 2026-08-15, Owen had 1,844 shares of common stock withheld at $20.60 per share to cover tax liability associated with the vesting of restricted stock units. After this tax-withholding disposition, he directly holds 93,426 shares of PRA Group common stock.

Insider Trade Summary

Tax Withholding: 1,844 shares

Tax Withholding 1 txn

Insider James Richard Owen

Role President - PRA Group Europe

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock F1	1,844	$20.60	$38K

Holdings After Transaction: Common Stock — 93,426 shares (Direct)

Footnotes (1)

1. F1. Shares withheld to cover tax liability associated with the vesting of restricted stock units.

Key Figures

Shares withheld for taxes: 1,844 shares Per-share value for tax withholding: $20.60 per share Shares owned after transaction: 93,426 shares

3 metrics

Shares withheld for taxes 1,844 shares Common Stock withheld on 2026-08-15 to cover tax liability on RSU vesting

Per-share value for tax withholding $20.60 per share Valuation used for the 1,844 PRAA shares withheld

Shares owned after transaction 93,426 shares Direct PRAA common stock holdings of James Richard Owen following the transaction

Key Terms

restricted stock units, tax-withholding disposition, Payment of tax liability by delivering or withholding securities

3 terms

restricted stock units financial

"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.

tax-withholding disposition financial

"transaction_action: tax-withholding disposition"

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.

Payment of tax liability by delivering or withholding securities financial

"transaction_code_description: Payment of tax liability by delivering or withholding"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did PRAA executive James Richard Owen report?

James Richard Owen reported a tax-withholding disposition of 1,844 PRAA shares on 2026-08-15. The shares were withheld to cover tax liability tied to vesting restricted stock units, rather than an open-market sale.

At what price were the PRAA shares withheld for James Richard Owen’s tax liability?

The 1,844 PRAA shares were valued at $20.60 per share for tax-withholding purposes. This reflects the price used to determine the amount of stock needed to satisfy the associated tax obligation.

How many PRAA shares does James Richard Owen hold after this Form 4 transaction?

Following the transaction, James Richard Owen directly holds 93,426 shares of PRAA common stock. This figure represents his reported direct ownership after the shares were withheld to cover the restricted stock units’ tax liability.

Was the PRAA Form 4 transaction by James Richard Owen an open-market sale?

No, the Form 4 reports a tax-withholding disposition, not an open-market sale. The 1,844 shares were withheld by the issuer to pay tax due on the vesting of restricted stock units granted to Owen.

What does the transaction code F mean in James Richard Owen’s PRAA Form 4?

Transaction code F indicates payment of tax liability by delivering or withholding securities. For PRAA, it shows that 1,844 shares were withheld from James Richard Owen to satisfy tax owed when restricted stock units vested.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/18/2026 - 05:23 PM Accepted by SEC EDGAR 08/18/2026 - 05:23 PM Learn about SEC filing dates

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)
08/15/2026

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	08/15/2026	08/15/2026	F		1,844(1)	D	$20.6	93,426	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	08/18/2026
	** 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)