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

Rhea-AI Filing Summary

PRA Group, Inc. (PRAA) – Form 4 insider transaction

Director Peggy P. Turner received an annual board retainer grant of 10,741 restricted stock units (RSUs) on 17 June 2025 under the company’s 2022 Omnibus Incentive Plan. The RSUs carry an acquisition code “A” (grant) at a stated price of $0 and will vest in full on 17 June 2026, contingent on Turner’s continued board service.

Following the grant, Turner’s total beneficial ownership stands at 32,949 common shares, held directly. The filing also corrects an earlier Form 4 (filed 16 June 2025) that was submitted in error; 7,816 shares were removed from the previously reported balance.

This transaction is routine director compensation and does not involve open-market purchases or sales. No derivative securities were reported.

Positive

• Director acquired 10,741 RSUs, marginally increasing insider alignment with shareholders.

Negative

• Prior Form 4 required correction, indicating reporting inaccuracy and a reduction of 7,816 previously reported shares.

Insights

Financial Analyst

TL;DR: Routine director RSU grant; minor alignment signal, negligible company impact.

The award of 10,741 RSUs, representing roughly 0.03% of PRAA’s 47 million shares outstanding, is standard board compensation. While insider acquisitions (even at no cost) can be viewed marginally positively because they increase personal exposure to share price performance, the economic value is modest. The correction to prior filings removes 7,816 shares, a clerical fix with no cash impact. Overall, the filing neither alters the company’s capital structure nor signals a change in strategic direction; therefore, material investor impact is minimal.

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^*

Turner Peggy P.

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
06/17/2025

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	06/17/2025	06/17/2025	A		10,741(1)	A	$0	32,949(2)	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. Director retainer grant awarded annually in the form of restricted stock units ("RSUs") pursuant to the Issuer's 2022 Omnibus Incentive Plan. The RSUs will vest fully on June 17, 2026, provided that the Reporting Person is a director of the Issuer on the vesting date.

2. The Form 4 filed on June 16, 2025 for the Reporting Person was filed in error. As a result, the figure shown in Column 5 has been adjusted to remove 7,816 shares.

Remarks:

	/s/ Christina Branch, Attorney-In-Fact	06/20/2025
	** 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

How many PRAA shares did Director Peggy Turner acquire on 17 June 2025?

She was granted 10,741 restricted stock units at a price of $0.

When will the newly granted RSUs to Peggy Turner vest?

All RSUs vest on 17 June 2026, provided she remains a director.

What is Peggy Turner's total PRAA share ownership after the transaction?

Her direct beneficial ownership is now 32,949 common shares.

Did the Form 4 include any open-market purchases or sales?

No. The filing only reflects a routine RSU grant; no cash transactions occurred.

Why was a prior Form 4 for Peggy Turner amended?

The 16 June 2025 filing was made in error; 7,816 shares were removed from the reported balance.