PRA Group (PRAA) Europe president gets 37,054-share equity grants

Rhea-AI Filing Summary

PRA Group Inc executive James Richard Owen, President - PRA Group Europe, reported multiple equity compensation grants and related tax withholdings in common stock on March 9, 2026. He received a total of 37,054 shares through awards classified as grants or other acquisitions at no cash cost per share.

Footnotes explain these include restricted stock units under the Omnibus Incentive Plan that vest ratably over three years beginning on the grant anniversary in 2027, shares earned from the 2023–2025 Long-Term Incentive Plan, and a one-time retention RSU grant vesting over two years starting March 9, 2027. To cover tax liabilities on vesting of performance and restricted stock units, 9,282 shares were withheld at a price of $18.15 per share. After these transactions, Owen directly holds 96,356 shares of PRA Group common stock.

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

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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)
03/09/2026

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	03/09/2026	03/09/2026	A		30,303(1)	A	$0	98,887	D
Common Stock	03/09/2026	03/09/2026	A		1,242(2)	A	$0	100,129	D
Common Stock	03/09/2026	03/09/2026	A		5,509(3)	A	$0	105,638	D
Common Stock	03/09/2026	03/09/2026	F		584(4)	D	$18.15	105,054	D
Common Stock	03/09/2026	03/09/2026	F		426(5)	D	$18.15	104,628	D
Common Stock	03/09/2026	03/09/2026	F		2,476(5)	D	$18.15	102,152	D
Common Stock	03/09/2026	03/09/2026	F		1,857(5)	D	$18.15	100,295	D
Common Stock	03/09/2026	03/09/2026	F		3,939(5)	D	$18.15	96,356	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 restricted stock units granted pursuant to the terms of the Company's Omnibus Incentive Plan that will vest ratably over a three year period beginning on the anniversary of the grant date, which was March 9, 2026.

2. Represents shares earned upon the satisfaction of certain performance criteria under the Company's 2023-2025 Long-Term Incentive Plan.

3. Represents a one-time retention grant of restricted stock units awarded pursuant to the terms of the Company's Omnibus Incentive Plan that will vest ratably over a two-year period beginning on March 9, 2027, which is the anniversary of the grant date.

4. Shares withheld to cover tax liability associated with the vesting of the performance share units referenced in Footnote 2.

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

Remarks:

	/s/ Christina Branch, Attorney-In-Fact	03/11/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What did PRAA executive James Richard Owen report in this Form 4?

James Richard Owen reported multiple equity compensation transactions, mainly share grants and tax withholdings. He received 37,054 common shares through awards and had 9,282 shares withheld to cover tax liabilities tied to vesting performance and restricted stock units.

How many PRA Group (PRAA) shares does James Richard Owen now hold?

Following the reported transactions, James Richard Owen directly holds 96,356 shares of PRA Group common stock. This figure reflects his position after receiving equity awards and having shares withheld to satisfy tax obligations linked to vesting incentive and retention awards.

What types of equity awards did PRAA grant to James Richard Owen?

The awards include restricted stock units under the Omnibus Incentive Plan, shares earned from the 2023–2025 Long-Term Incentive Plan, and a one-time retention RSU grant. These equity grants are part of his compensation rather than open-market stock purchases.

How will James Richard Owen’s PRAA restricted stock units vest?

One RSU grant will vest ratably over three years beginning on the anniversary of the March 9, 2026 grant date. A separate one-time retention RSU award will vest ratably over two years starting March 9, 2027, providing multi-year equity-based compensation.

Were any PRAA shares sold by James Richard Owen in the open market?

The Form 4 shows no open-market sales. All dispositions are coded as F transactions, meaning 9,282 shares were withheld by the company at $18.15 per share solely to cover tax liabilities arising from vesting performance and restricted stock units.

What is the significance of the $18.15 price in James Richard Owen’s Form 4?

The reported price of $18.15 per share applies to shares withheld for tax purposes, not market trades. It is the value used when 9,282 shares were delivered back to the company to satisfy tax obligations tied to vesting equity awards on March 9, 2026.