[Form 4] PRA GROUP INC Insider Trading Activity

Rhea-AI Filing Summary

Reporting person: Rakesh Sehgal, Chief Financial Officer of PRA Group Inc. This Form 4 reports a non-derivative transaction on 09/15/2025 where 1,514 shares of PRA Group common stock were disposed at an effective price of $16.82. The filing explains these shares were withheld to cover tax liability arising from the vesting of restricted stock units. After the withholding, the reporting person directly beneficially owned 55,084 shares. The form is signed by an attorney-in-fact on behalf of the reporting person.

Insights

Corporate Governance Expert

TL;DR: Routine tax-related withholding on RSU vesting for the CFO; not a voluntary sale of vested shares.

This Form 4 documents a common administrative action where the company withheld 1,514 shares to satisfy tax withholding obligations when restricted stock units vested. Such withholdings are standard compensation mechanics and do not represent a discretionary cash-raising sale by the officer. The remaining direct stake of 55,084 shares indicates continued ownership alignment with shareholders. There is no indication of unusual timing or linked insider selling activity in this filing.

Securities Analyst

TL;DR: Transaction appears routine and immaterial to overall insider position; no clear negative signal to investors.

The disposition of 1,514 shares via tax withholding at $16.82 reduces the reporting person's direct holding to 55,084 shares. The amount withheld equals the tax settlement on vested RSUs rather than a market sale for liquidity. Given the scale of the remaining stake, the transaction is unlikely to materially affect share supply or signal a change in executive conviction. No options, purchases, or additional derivatives are reported.

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).

1. Name and Address of Reporting Person^*

Sehgal Rakesh

(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)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/15/2025

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	09/15/2025	09/15/2025	F		1,514(1)	D	$16.82	55,084	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	09/17/2025
	** 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 PRAA CFO Rakesh Sehgal report on Form 4?

The CFO reported 1,514 shares withheld to cover taxes from RSU vesting on 09/15/2025, leaving 55,084 shares directly owned.

Was the 1,514-share transaction a market sale for cash?

No. The filing states the shares were withheld to cover tax liability related to vested restricted stock units, not a discretionary sale.

At what price were the withheld shares reported?

The transaction is reported with a price of $16.82 per share.

Does the Form 4 show any derivative transactions by the reporting person?

No. Table II for derivative securities shows no entries in this filing.

Who signed the Form 4 and when?

The form is executed by Christina Branch, Attorney-In-Fact on behalf of the reporting person, dated 09/17/2025.