SEC FORM 4

SEC FORM 4 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).

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

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

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.
* 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.

President - PRA Group Europe James Richard Owen was granted 37,054 shares and covered exercise/tax liability with 9,282 shares, increasing direct ownership by 40% to 96,356 units (SEC Form 4)