[SCHEDULE 13G/A] PRA Group, Inc. SEC Filing

Rhea-AI Filing Summary

The Vanguard Group has filed a Schedule 13G reporting a passive ownership stake in Porch Group Inc. (PRCH) as of 30-Jun-2025.

• Beneficial ownership: 6,867,683 common shares, representing 5.65 % of the outstanding class.
• Voting power: 0 sole; 92,113 shared.
• Dispositive power: 6,741,036 sole; 126,647 shared.
• Vanguard qualifies as an investment adviser (IA) under Rule 13d-1(b) and certifies the shares are held in the ordinary course, not to influence control.

The disclosure indicates continued institutional support for Porch Group, as Vanguard-managed funds and accounts now exceed the 5 % reporting threshold. No other persons are identified with more than 5 % economic interest, and no change-of-control intent is asserted.

Positive

• Vanguard discloses a 5.65 % stake, adding a well-known institutional holder to Porch Group’s shareholder base, which can enhance credibility and liquidity.

Negative

• None.

Insights

Financial Analyst

TL;DR: Vanguard’s 5.65 % passive stake signals institutional confidence but carries limited immediate valuation impact.

Crossing the 5 % threshold brings Porch Group onto large-cap index manager radar and may improve trading liquidity. Vanguard’s lack of sole voting power (0 shares) confirms a purely passive position, while sole dispositive authority over 6.74 M shares means it can sell without issuer consent. Historically, passive 13G filings marginally tighten float and are viewed constructively by investors, yet they rarely alter fundamentals. There is no accompanying activism or governance agenda, so strategic impact is neutral. The filing mainly informs market participants about ownership concentration and may support share price stability by demonstrating established institutional interest.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 14)

PRA Group Inc

(Name of Issuer)

Common Stock

(Title of Class of Securities)

69354N106

(CUSIP Number)

06/30/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 69354N106

1

Names of Reporting Persons

The Vanguard Group

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 69,349.00
7	Sole Dispositive Power 3,589,166.00
8	Shared Dispositive Power 111,022.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

3,700,188.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

9.33 %

12

Type of Reporting Person (See Instructions)

IA

SCHEDULE 13G

Item 1.
(a)	Name of issuer: PRA Group Inc
(b)	Address of issuer's principal executive offices: 130 Corporate Boulevard, Norfolk, VA, 23502
Item 2.
(a)	Name of person filing: The Vanguard Group
(b)	Address or principal business office or, if none, residence: 100 Vanguard Blvd., Malvern, PA 19355
(c)	Citizenship: PA
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 69354N106
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 3700188
(b)	Percent of class: 9.33 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 69349
	(iii) Sole power to dispose or to direct the disposition of: 3589166
	(iv) Shared power to dispose or to direct the disposition of: 111022
Item 5.	Ownership of 5 Percent or Less of a Class.
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. The Vanguard Group, Inc.'s clients, including investment companies registered under the Investment Company Act of 1940 and other managed accounts, have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities reported herein. No one other person's interest in the securities reported herein is more than 5%.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

The Vanguard Group

Signature:	Ashley Grim
Name/Title:	Head of Global Fund Administration
Date:	07/29/2025

FAQ

How many Porch Group (PRCH) shares does Vanguard own?

Vanguard reports 6,867,683 shares beneficially owned.

What percentage of PRCH’s outstanding shares does this represent?

The stake equals 5.65 % of the common stock class.

Does Vanguard have voting control over Porch Group?

No. Vanguard lists 0 sole voting power and 92,113 shared voting power, indicating minimal influence.

Is Vanguard’s filing activist in nature?

No. The Schedule 13G certifies the holdings are passive and not intended to influence control.

Why was this disclosure required?

U.S. regulations mandate a Schedule 13G when an investor’s holdings exceed 5 % of a company’s voting class.