PRAA Director Acquires 10,741 RSUs – Ownership Now 64.8K Shares

PRA Group, Inc. (PRAA) – Form 4 insider transaction Director Geir Olsen reported the annual board retainer grant on 17 June 2025.

Rhea-AI Filing Summary

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

Director Geir Olsen reported the annual board retainer grant on 17 June 2025. The award consists of 10,741 restricted stock units (RSUs) issued under the company’s 2022 Omnibus Incentive Plan at a stated price of $0. These RSUs will vest in full on 17 June 2026, provided Mr. Olsen remains a director on the vesting date.

Following the grant, the reporting person’s beneficial ownership stands at:

• 20,908 shares held directly.
• 43,933 shares held indirectly through Andenes Investments SL.

No derivative security transactions were reported and the filing indicates the transaction was not executed under a Rule 10b5-1 trading plan. The filing is routine compensation-related and does not involve an open-market purchase or sale.

Positive

• Equity-based compensation aligns director interests with shareholders by increasing direct ownership.
• Dilution impact is immaterial given the small size of the RSU grant relative to total shares outstanding.

Negative

• None.

Insights

Equity Research Analyst

TL;DR: Routine RSU grant, negligible dilution, modest alignment; overall neutral signal.

The Form 4 discloses the standard annual equity retainer for non-employee directors—10,741 RSUs to Geir Olsen. The grant represents a fraction of PRAA’s ~39 million shares outstanding, resulting in immaterial dilution. While insider acquisitions can be viewed positively, this transaction is compensation-driven rather than discretionary buying, so it does not strongly indicate management sentiment. Post-grant beneficial ownership of ~65 k shares (direct + indirect) keeps Olsen meaningfully invested but the event has no material impact on earnings or cash flow.

Corporate Governance Specialist

TL;DR: Standard board compensation practice; governance implications unchanged.

The filing confirms PRA Group continues to compensate directors primarily with equity, enhancing board-shareholder alignment. Vesting is service-based (one-year cliff), typical for U.S. boards, and there is no accelerated vesting or special terms. No Rule 10b5-1 plan applies, suggesting flexibility, but the lack of open-market buying keeps the governance signal neutral. Overall, nothing in this Form 4 raises red flags or adds significant governance upside.

Insider Trade Summary

Grant/Award: 10,741 shares

Grant/Award 2 txns

Insider Olsen Geir

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	10,741	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 20,908 shares (Direct); Common Stock — 43,933 shares (Indirect, By Andenes Investments SL)

Footnotes (1)

1. F1. 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.

FAQ

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

What insider transaction did PRAA report on 17 June 2025?

Director Geir Olsen received 10,741 restricted stock units as part of his annual board retainer.

When will the RSUs granted to Geir Olsen vest?

The RSUs vest fully on 17 June 2026, contingent on Olsen’s continued board service.

How many PRAA shares does Geir Olsen now own?

Post-grant, he beneficially owns 20,908 shares directly and 43,933 shares indirectly via Andenes Investments SL.

Was the transaction executed under a Rule 10b5-1 plan?

No. The Form 4 does not indicate the RSU grant was made pursuant to a Rule 10b5-1(c) trading plan.

Does this Form 4 filing impact PRA Group’s financials?

The RSU grant is routine director compensation and has no material impact on earnings, cash flow, or share count.

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

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Accepted by SEC EDGAR 06/20/2025 - 06:07 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^*

Olsen Geir

(Last) (First) (Middle)

120 CORPORATE BOULEVARD

(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	20,908	D
Common Stock								43,933	I	By Andenes Investments SL

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.

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.