{"filings":[{"id":1221877,"accession_number":"0001185348-26-000023","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2026-06-23T20:01:22+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"PRA Group shareholders approve 3.5M share increase to 2022 equity plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Equity plan amendment approved: 26,552,984 for, 5,442,103 against.","All nine director nominees elected; Lance L. Weaver received lowest support (28,885,156 for, 3,106,214 against).","Ratification of Ernst & Young as auditor for FY 2026 passed with 33,877,552 votes for.","Advisory say-on-pay approved: 29,754,777 for, 2,204,747 against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91714,"accession_number":"0001185348-26-000019","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q1 2026: Net income $28.2M, cash collections up 11% YoY to $551.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $28.2M ($0.73 diluted EPS); cash collections $551.9M, up 11% YoY.","Portfolio revenue $313.5M (+16.6%); Adjusted EBITDA LTM $1.3B (+13.9%).","Portfolio purchases $220.9M; ERC $8.5B (+9.5%); credit availability $996M.","Operating expenses $211.3M, up $16.2M on higher legal collection costs; compensation and benefits down.","PRA 3.0 strategy ongoing: modernizing tech, launching UK mobile app, global AI initiatives."],"consensus_eps_estimate":null,"consensus_eps_actual":0.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":314533000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91713,"accession_number":"0001185348-26-000017","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"PRA Group extends €730M European credit facility to April 2031, reduces ERC ratio to 40%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Maturity extended from November 2027 to April 30, 2031 on €730M revolving credit facility.","Maximum ERC ratio reduced from 45.0% to 40.0% under the amended agreement.","Borrowers may now make up to €100M aggregate in joint venture investments.","No change to commitment level or pricing; no maturities until 2028.","Amendment part of PRA 3.0 strategy to stagger debt maturity profile."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101974,"accession_number":"0001185348-26-000003","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2026-02-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q4 net income $56.5M, full year net loss $305M on $413M goodwill charge; cash collections up 13.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $56.5M ($1.46 diluted EPS); full year net loss $305.1M ($7.79 loss) driven by $412.6M Q3 goodwill impairment.","Total cash collections up 13.6% in Q4 to $531.7M; full year up 12.8% to $2.1B.","Portfolio purchases $314.8M in Q4, $1.2B for full year; record ERC of $8.6B.","Adjusted net income attributable to PRA $72.6M ($1.84 adjusted EPS) for full year, excluding impairment and Brazil gain.","Company introduced PRA 3.0 strategy and repurchased $10M of shares in Q4, totaling $20M in 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":-7.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":1201837000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118310,"accession_number":"0001185348-25-000040","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-11-03T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q3 net loss $408M on $413M goodwill impairment; adjusted EPS $0.53","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $407.7M ($10.43 diluted EPS) including $412.6M non-cash goodwill impairment; adjusted net income $20.9M ($0.53 diluted EPS).","Total cash collections $542.2M, up 13.7% YoY; record ERC of $8.4B, up 15.2%.","Portfolio purchases $255.5M in Q3; on track for $1.2B full-year target.","U.S. legal cash collections rose 27% YoY; European business outperformed cash collection expectations by 11% YTD.","CEO Martin Sjolund highlighted progress on U.S. cost efficiency, operations reorganization, and IT modernization."],"consensus_eps_estimate":null,"consensus_eps_actual":-9.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":868447000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":118309,"accession_number":"0001185348-25-000034","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"PRA Group subsidiary issues €300M of 6.250% Senior Notes due 2032 to repay revolver borrowings","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued €300M aggregate principal of 6.250% Senior Notes due September 30, 2032.","Net proceeds to repay ~$174M each from North American and European revolving credit facilities.","Notes are senior unsecured, guaranteed by PRA Group and its domestic restricted subsidiaries.","Optional redemption at make-whole prior to Sep 30, 2028, then step-down premiums from 103.125% to 100%.","Change of control repurchase at 101% of principal; asset sale offer at 100%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134758,"accession_number":"0001185348-25-000030","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-09-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"PRA Group subsidiary prices €300M 6.250% senior notes due 2032, plans debt refinancing","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["PRA Group Europe Holding II priced €300M senior notes at 6.250% due 2032 on September 24, 2025.","Net proceeds will repay ~$174M from North American revolving credit facility and ~$174M from European facility.","Closing expected on or about September 30, 2025, subject to customary conditions.","Notes are guaranteed by PRA Group and its domestic subsidiary borrowers/guarantors under North American Credit Agreement.","Offering is exempt from SEC registration, sold to QIBs and non-U.S. persons under Rule 144A/Regulation S."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134757,"accession_number":"0001185348-25-000027","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-09-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"PRA Group subsidiary plans €300M senior notes due 2032 to repay revolver borrowings","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Subsidiary PRA Group Europe Holding II to offer €300M in senior notes due 2032.","Notes will be senior unsecured guaranteed by PRA Group and its domestic subsidiaries.","Net proceeds to repay ~$174M of North American revolver and ~$174M of European revolver.","Offering is private, exempt from registration, to QIBs and non-U.S. persons."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":134756,"accession_number":"0001185348-25-000018","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-08-04T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q2 net income $42.4M ($1.08 EPS) on record ERC $8.3B, cash collections up 13%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $42.4M (diluted EPS $1.08) includes $29.7M after-tax gain from sale of RCB equity interest in Brazil.","Record ERC of $8.3B (+21.9% YoY); total cash collections $536.3M (+13.2%).","Portfolio purchases $346.5M (-8.7% YoY); cash efficiency ratio 62.4% (+355 bps).","Adjusted EBITDA trailing 12 months $1.2B (+16.4%); $10M shares repurchased."],"consensus_eps_estimate":null,"consensus_eps_actual":1.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":557307000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":151664,"accession_number":"0001185348-25-000014","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-06-24T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"PRA Group appoints CEO Martin Sjolund with $825k salary, $1.8M equity; promotes James to Europe President","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Martin Sjolund appointed President and CEO effective June 17, 2025; base salary $825,000, target bonus 125%, $1.8M equity grant (50% PSUs, 50% RSUs vesting over 3 years).","R. Owen James promoted to President of PRA Group Europe; salary increased 10% to £369,400 (~$469k) plus $100k RSU grant.","Sjolund appointed to Board immediately, term expiring at 2026 Annual Meeting; no additional compensation for director role.","All 9 director nominees elected at June 17 annual meeting; Say-on-Pay approved with 28,000,895 for, 3,586,152 against (~88% support).","Ernst & Young ratified as independent auditor for 2025 with 33,478,097 for, 115,241 against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":151663,"accession_number":"0001185348-25-000010","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-05-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q1 2025: portfolio purchases up 19%, record ERC $7.8B, net income $3.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Portfolio purchases $291.7M (+18.7% YoY); record ERC $7.8B (+20.1%).","Total cash collections $497.4M (+10.7% YoY); cash efficiency ratio 60.8% (+284 bps).","Net income $3.7M; diluted EPS $0.09 (flat YoY); adjusted EBITDA $1.2B (+13.5%).","U.S. Q1 seasonal tax-refund collections below model, lowering profitability vs prior quarters.","New CEO Martin Sjolund appointed; financial targets unchanged except return on tangible equity likely below ~12%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":269619000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":151662,"accession_number":"0001193125-25-074763","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-04-07T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"PRA Group CEO Vikram Atal to retire; Martin Sjolund named successor effective June 17, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Atal to retire as President and CEO and from Board on June 17, 2025, then serve as Senior Advisor through Dec 31, 2025.","Martin Sjolund, currently President of PRA Group Europe, appointed CEO effective same date; will join Board.","Sjolund has led European business since 2018, with expanded responsibility for Canada and Australia in 2023.","Chairman Fredrickson cited ongoing succession planning; Sjolund highlighted record portfolio purchases and double-digit cash growth.","Atal's retirement not due to any disagreement; he will receive separation benefits per existing employment agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":170513,"accession_number":"0001185348-25-000003","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2025-02-19T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q4 net income $18.5M, EPS $0.47; full-year profitable, record portfolio purchases $1.4B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2024 net income $70.6M ($1.79 diluted EPS) vs 2023 net loss of $83.5M ($2.13 loss per share).","Record portfolio purchases of $1.4B in 2024 (+22% YoY); Q4 purchases $432.7M.","Total cash collections $1.9B (+13% YoY); Q4 collections $468.1M (+14.1% YoY).","2025 targets raised: $1.2B portfolio investments, high single-digit cash collections growth, 60%+ cash efficiency ratio.","Adjusted EBITDA of $1.1B for full year 2024; ERC at $7.5B as of Q4 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":1114524000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187506,"accession_number":"0001185348-24-000056","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-12-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"PRA Group elects Adrian M. Butler as independent director; approves severance for CFO and GC/CHRO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Adrian M. Butler elected independent director effective Jan 1, 2025; will serve on Risk Committee.","CFO Rakesh Sehgal and GC/CHRO LaTisha O. Tarrant added to Executive Severance Plan.","Severance: 1x salary + 1x bonus (1.5x in change of control) plus 12-18 months COBRA.","CEO, Europe President, and Global Investments Officer remain under prior employment agreements."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187505,"accession_number":"0001193125-24-265156","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-11-25T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"PRA Group issues $150M in additional 8.875% Notes due 2030, repays revolver","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Completed $150M offering of 8.875% Senior Notes due 2030 at 103.625% of par.","Notes are additional issuance of existing $400M 8.875% Notes due 2030; same terms except issue price.","Net proceeds used to repay ~$154.3M outstanding borrowings under North American revolver.","Notes are senior unsecured, guaranteed by domestic restricted subsidiaries.","Interest payable semiannually Jan 31 and Jul 31, starting Jan 31, 2025; maturity Jan 31, 2030."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187504,"accession_number":"0001193125-24-262650","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-11-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"PRA Group prices upsized $150M of 8.875% senior notes due 2030 at 103.625%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering upsized from $100M to $150M aggregate principal, priced at 103.625% of par.","Notes are additional issuance under existing indenture, same class/series as $400M 8.875% notes due 2030.","Net proceeds will repay about $150M of borrowings under North American revolving credit facility.","Closing expected on or about November 25, 2024, subject to customary conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187503,"accession_number":"0001193125-24-262154","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-11-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"PRA Group proposes $100M add-on of 8.875% senior notes due 2030","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering $100M aggregate principal of 8.875% senior notes due 2030, same class as existing $400M notes issued May 2024.","Net proceeds to repay approximately $100M outstanding under its North American revolving credit facility.","Notes are unsecured senior obligations, guaranteed by certain domestic subsidiaries.","Offered in private transaction under Rule 144A and Regulation S; not registered under Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187502,"accession_number":"0001185348-24-000050","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-11-04T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q3 net income $27.2M ($0.69 EPS) vs year-ago loss; raises 2024 ROATE target to 8%+","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $27.2M ($0.69 diluted EPS) vs net loss of $12.3M ($0.31 loss) in Q3 2023; includes $0.20 tax benefit.","Total cash collections $477.1M, up 13.7% YoY; record ERC of $7.3B.","Portfolio purchases $350M; forward flow commitments of $491.1M over next 12 months.","2024 cash efficiency target ~60%; ROATE target raised to 8%+ (from 6%-8%).","2025 targets: portfolio >$1B, cash collections growth 8%-10%, double-digit ROATE."],"consensus_eps_estimate":null,"consensus_eps_actual":1.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":821292000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":187501,"accession_number":"0001185348-24-000047","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-11-01T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"PRA Group extends $2.3B credit facilities to 2029, improves covenant flexibility","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["North American credit facility maturity extended to October 2029; commitments increased $40M to $1.548B.","UK credit facility maturity extended to October 2029; commitments reduced to $725M from $800M.","European credit facility amended to conform covenants: leverage cap 2.50x, fixed charge ratio 2.00x.","Pricing unchanged at 2.25% (North America) and 2.75% (UK) over benchmark.","CFO says extended facilities provide financial flexibility to capitalize on portfolio supply."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204002,"accession_number":"0001185348-24-000040","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-08-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group reports Q2 net income $21.5M ($0.54 EPS) vs loss a year ago; cash collections up 13%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $21.5M ($0.54 diluted EPS) vs net loss $3.8M in Q2 2023.","Total cash collections $473.9M, up 13% YoY, driven by U.S. and Europe.","Total portfolio purchases $379.4M, third-highest quarterly in five years.","Operating expenses $195.0M, up 19.1% YoY on legal channel investments.","Forward flow commitments $385.6M; credit availability $1.4B as of June 30."],"consensus_eps_estimate":null,"consensus_eps_actual":0.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":539815000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":204001,"accession_number":"0001185348-24-000037","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Danielle M. Brown resigns from PRA Group board effective Aug. 1, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Danielle M. Brown notified PRA Group on July 23, 2024, of her resignation from the Board.","Resignation is effective August 1, 2024, due to expanded professional responsibilities.","Company states resignation is not due to any disagreement with operations, policies, or practices.","No replacement has been announced at this time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":220687,"accession_number":"0001185348-24-000034","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-06-20T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"PRA Group stockholders elect directors, ratify EY, approve Say-on-Pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected with strong support; average ~34M for votes each.","Ratification of Ernst & Young as auditor for FY2024 passed with 36.5M for, 25.6K against.","Advisory vote on named executive officer compensation approved with 31.9M for, 3.2M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":220686,"accession_number":"0001193125-24-142861","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-05-20T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"PRA Group issues $400M 8.875% Senior Notes due 2030; refinances existing debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $400M aggregate principal amount of 8.875% Senior Notes due January 31, 2030.","Interest payable semiannually on Jan 31 and Jul 31, beginning Jan 31, 2025.","Net proceeds used to repay ~$396M of borrowings under North American revolving credit facility.","Company intends to borrow $298M under revolver on Sep 1, 2024 to redeem 7.375% Senior Notes due 2025.","Notes are senior unsecured and guaranteed by domestic subsidiaries that guarantee the credit agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":220685,"accession_number":"0001193125-24-140018","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"PRA Group prices $400M of 8.875% senior notes due 2030 to repay revolver and refinance 2025 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Priced $400.0M aggregate principal of 8.875% Senior Notes due 2030 in private placement; closing expected May 20, 2024.","Net proceeds to repay ~$396.0M of borrowings under its North American revolving credit facility.","Thereafter, will use revolver borrowings around Sep 1, 2024 to redeem $298.0M of 7.375% Senior Notes due 2025.","Notes are senior unsecured and guaranteed by existing and future domestic subsidiaries that are borrowers/guarantors under North American Credit Agreement.","Offered under Rule 144A and Regulation S; not registered under Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":220684,"accession_number":"0001193125-24-138985","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-05-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"PRA Group announces $400M senior notes due 2030 to refinance revolver and 2025 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering $400M aggregate principal of senior notes due 2030 in private placement.","Notes guaranteed on senior unsecured basis by domestic subsidiaries that are borrowers under North American Credit Agreement.","Net proceeds to repay ~$396M of North American revolver, then borrow under revolver to redeem $298M of 7.375% Senior Notes due 2025.","Offering only to QIBs under Rule 144A and non-U.S. persons under Regulation S.","Redemption of 2025 notes expected on or about September 1, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":220683,"accession_number":"0001185348-24-000022","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-05-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group returns to profitability in Q1 2024; EPS of $0.09 vs. ($1.50) loss","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $3.5M vs. ($58.6M) loss in Q1 2023; diluted EPS $0.09.","Total cash collections $449.5M, up 9.3% YoY; U.S. Core collections rose to $256.9M.","Portfolio purchases of $245.8M in Q1; forward flow commitments of $473.9M over 12 months.","Total portfolio revenue surged to $253.7M from $151.3M, driven by $51.7M in positive changes in recoveries.","Reiterates 2024 targets: double-digit cash collections growth, 60%+ cash efficiency ratio, 6%-8% ROATE."],"consensus_eps_estimate":null,"consensus_eps_actual":0.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":255586000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":240307,"accession_number":"0001185348-24-000018","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-03-13T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"PRA Group appoints Glenn Marino to Board; follows Engaged Capital engagement","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Glenn Marino appointed independent director effective March 15, 2024; Board expands to 12 members.","Marino brings 30+ years consumer finance experience, most recently as EVP/CEO at Synchrony Payment Solutions.","Appointment follows constructive engagement with activist shareholder Engaged Capital.","Marino will serve on the Risk Committee; no related-party transactions disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":240306,"accession_number":"0001185348-24-000006","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2024-02-15T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q4 GAAP EPS loss $0.22; full year diluted EPS loss $2.13","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2023: net loss $8.8M, diluted EPS $(0.22); portfolio revenue $217.4M.","Full year 2023: net loss $83.5M, diluted EPS $(2.13); portfolio purchases $1.2B (+36% YoY).","Total cash collections Q4 $410.3M, up 4.8% YoY; US collections down, Europe up.","Operating expenses Q4 up 7.6%; full year interest expense up 39.1% to $181.7M.","Company addressing US underperformance; expects meaningful profitability in 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":802554000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":257810,"accession_number":"0001185348-23-000039","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-12-07T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"PRA Group enters new employment agreement with CEO Vikram Atal through Dec 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Employment agreement effective Dec 1, 2023, expires Dec 31, 2025, unless terminated earlier.","Base salary remains $950,000; eligible for annual bonus and equity awards under existing plans.","Severance on without-cause/constructive termination: greater of remaining base salary or 1.5x base (2x on change of control), plus 1.5x target bonus (2x on change of control), plus 24 months COBRA.","Agreement supersedes prior letter agreement dated March 27, 2023.","Contains restrictive covenants: non-solicitation, non-competition, non-disparagement, confidentiality."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":257809,"accession_number":"0001185348-23-000035","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-11-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group posts Q3 net loss of $12.3M; portfolio purchases up 70% YoY to $311M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $(0.31) vs $0.63 in Q3 2022; net loss of $12.3M includes $5.0M impairment charge.","Total portfolio purchases surged 69.9% YoY to $311.2M; Americas/Australia purchases highest since 2017.","Cash collections $419.6M, up 1.8% YoY; ERC grew for second consecutive quarter to $6.0B.","Operating expenses $173.4M, down 0.4% YoY; ex-impairment would be $168.4M.","Debt to Adj. EBITDA at 2.84x; total credit availability $1.3B as of Sept 30, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":581136000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275167,"accession_number":"0001193125-23-220250","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-08-24T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"PRA Group CFO Peter Graham resigns; Rakesh Sehgal appointed successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Peter Graham resigns as EVP and CFO effective Sept 15, 2023, to join another public company.","Board appoints Rakesh Sehgal as EVP and CFO, effective Sept 15, 2023, as part of succession plan.","Sehgal, previously Head of Corporate Development, has 25+ years in financial services; was at GE/GE Capital.","Sehgal's compensation: $500k base salary, $500k target bonus, $175k RSU award vesting over three years.","Graham led modernizing financial ops, obtaining first credit rating, issuing over $1B in senior notes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275166,"accession_number":"0001185348-23-000031","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-08-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group reports Q2 net loss of $3.8M; portfolio purchases up 41.7% YoY to $327.8M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $(0.10) vs $0.91 in Q2 2022; net loss of $3.8M.","Total portfolio revenue fell to $205.4M from $250.6M in prior year.","Cash collections were $419.3M, down 5.6% YoY; European core collections rose.","Portfolio acquisitions surged 41.7% to $327.8M, a Q2 record.","Debt to Adjusted EBITDA at 2.76x; available liquidity $332.5M after borrowing base."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":364706000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":275165,"accession_number":"0001185348-23-000028","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-07-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"PRA Group EVP & Chief Risk and Compliance Officer Laura B. White resigns effective July 31, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Laura B. White, EVP and Chief Risk and Compliance Officer, resigns effective July 31, 2023.","Resignation not due to disagreements with management or related to the 2023 CFPB settlement.","Separation payments consistent with termination without cause; general release and one-year non-compete/non-solicitation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":292583,"accession_number":"0001185348-23-000026","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-06-14T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"PRA Group re-elects former board member Geir Olsen; annual meeting votes approve say-on-pay","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Geir Olsen re-elected as independent director effective June 15, 2023, term expiring 2024 annual meeting.","All 10 director nominees elected with at least 33.6M votes for; highest against vote was 2.3M for Steven Fredrickson.","Ratification of Ernst & Young as auditor approved: 36.6M for, 25.8K against, 7.0K abstain.","Say-on-pay advisory vote passed with 33.6M for, 2.2M against, 180K abstain.","Stockholders elected to hold annual say-on-pay votes every year; 33.5M voted for 1-year frequency."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":292582,"accession_number":"0001185348-23-000024","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-06-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"PRA Group to disclose estimated Q2 2023 portfolio purchases at William Blair conference","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Vikram Atal and CFO Pete Graham present at William Blair 43rd Annual Growth Stock Conference on June 7, 2023.","Presentation will include estimated portfolio purchases for the quarter ending June 30, 2023.","Webcast live at 12:20 p.m. ET; replay available for one year on IR page.","No specific numbers provided in filing; estimate to be released during presentation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":292581,"accession_number":"0001185348-23-000021","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-05-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"PRA Group may repurchase senior notes trading at significant discounts to principal","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Company discloses outstanding senior notes are trading at significant discounts to principal amounts.","PRA Group may purchase notes for cash in open market, privately negotiated transactions, or under Rule 10b5-1 plans.","Evaluations will consider market conditions, liquidity, future capital access, and covenant restrictions.","Potential purchases could be material individually or in aggregate."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":292580,"accession_number":"0001185348-23-000017","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-05-08T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group reports Q1 loss of $58.6M; EPS $(1.50) on falling collections and revenue","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $58.6M; diluted EPS $(1.50) vs net income $40.0M and EPS $0.97 in Q1 2022.","Total cash collections $411.3M, down 14.5% YoY; U.S. call center collections down 30.2%.","Portfolio purchases $230.2M, up 56% YoY; total portfolio revenue fell to $151.3M from $237.4M.","Appointed Vikram Atal as president and CEO (March 2023) and Owen James as global investments officer (April 2023).","Operating expenses up 12.1% driven by $7.5M severance and $7.6M litigation costs."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":155470000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":292579,"accession_number":"0001185348-23-000015","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-04-17T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"PRA Group EVP Chris Graves to retire May 12; Owen James named global investments officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Chris Graves, EVP Global Investments & Analytics Officer, retiring May 12, 2023 for personal health reasons.","Owen James appointed global investments officer effective April 7; previously managing director of acquisitions.","James led European investments growing to over $2B invested across 11 European markets over five years.","James reports to CEO Vik Atal, responsible for global portfolio investments and senior leadership team.","Graves receives disability-consistent separation payments and agrees to 18-month non-compete and non-solicitation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313244,"accession_number":"0001185348-23-000011","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-03-28T23:59:59+00:00","items":["5.02","7.01","8.01","9.01"],"status":"ready","headline":"PRA Group CEO Kevin Stevenson out, Vikram Atal in; CFPB lawsuit settled for $27M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Kevin Stevenson terminated without cause effective March 27, 2023; Vikram Atal, board member since 2015, appointed President and CEO.","Atal's compensation: $950k base salary, $1.5M restricted stock units vesting over 3 years, target bonus $950k.","CFPB lawsuit settled: LLC pays $12M civil penalty and ~$15M to consumers (less than 0.1% of active accounts).","Majority of settlement financial impact already reflected in Dec 2022 financials; no material adverse impact expected.","Stevenson to receive separation payments per existing agreement, remains subject to non-compete/non-solicitation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313243,"accession_number":"0001193125-23-064608","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-03-08T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"PRA Group EVP Global Operations Roberts to retire effective March 31, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Steven C. Roberts notified PRA Group of his retirement as EVP Global Operations Officer on March 2, 2023.","Retirement effective March 31, 2023; no successor named in the filing.","Roberts' departure is a voluntary retirement, not a termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313242,"accession_number":"0001185348-23-000005","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-02-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q4 EPS $0.41 vs $0.79 YoY; cash collections down 17.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $15.96M, diluted EPS $0.41; full-year EPS $2.94 vs $4.04 in 2021.","Total cash collections $391.7M in Q4, down 17.3% YoY (13.2% constant currency).","Portfolio purchases $288.1M in Q4, highest since Q3 2021; full-year $850.0M.","Europe cash collections set annual record on constant currency basis.","Debt to Adjusted EBITDA 2.25x; $99.4M in share repurchases during 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":2.94,"consensus_revenue_estimate":null,"consensus_revenue_actual":966524000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313241,"accession_number":"0001193125-23-025557","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-02-06T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"PRA Group issues $400M of 8.375% Senior Notes due 2028; proceeds to retire 2023 convertible notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$400M principal amount, 8.375% interest, matures Feb 1, 2028.","Proceeds: $345M to retire 3.50% convertible notes due 2023; ~$51M to repay revolving borrowings.","Notes are senior unsecured, guaranteed by domestic restricted subsidiaries, effectively subordinated to secured debt.","Optional redemption: make-whole prior to Feb 2025; thereafter at specified premiums (104.188% in 2025, etc.).","Covenant to deposit $345M into segregated account for convertible note retirement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313240,"accession_number":"0001193125-23-013749","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-01-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"PRA Group prices upsized $400M of 8.375% senior notes due 2028 to refinance convertible notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering upsized from $350M to $400M; priced Jan 23, 2023; closing expected Feb 6, 2023.","$345M of net proceeds deposited to retire 3.50% convertible senior notes due 2023.","Remaining ~$51M used to repay revolving borrowings under North American Credit Agreement.","Notes are senior unsecured guaranteed by domestic subsidiaries; issued in private transaction exempt from registration."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":313239,"accession_number":"0001193125-23-012713","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2023-01-23T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"PRA Group proposes $350M senior notes; Q4 revenue, collections down double-digits YoY","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Plans to offer $350M senior notes due 2028; net proceeds to retire 2023 convertible notes.","Preliminary Q4 2022 cash collections $372-411M, down 12-21% YoY from $474M.","Preliminary Q4 2022 total revenues $212-234M, down 9-18% YoY from $257M.","Preliminary Q4 2022 adjusted EBITDA $226-250M, down 16-24% YoY from $298M.","Portfolio acquisitions in 2022 estimated $850M (high) vs $972M actual in 2021, reflecting lower purchases."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":331769,"accession_number":"0001185348-22-000033","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2022-11-28T23:59:59+00:00","items":["1.01","1.02","2.03","7.01","9.01"],"status":"ready","headline":"PRA Group refinances European credit facility with €730M revolving line","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Replaces $750M prior facility with €730M revolving credit facility maturing Nov 2027.","Uncommitted accordion feature for up to €500M, subject to conditions.","Borrowings available in EUR, NOK, DKK, SEK, PLN; interest at benchmark plus margin.","Proceeds to refinance debt, finance loan portfolios, and for general corporate purposes.","Parent guarantee and secured by equity interests in certain operating subsidiaries."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":331768,"accession_number":"0001185348-22-000029","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2022-11-03T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q3 net income $24.7M ($0.63 EPS); cash collections down 15.6% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.63 vs $0.76 in Q3 2021; net income $24.7M, down 28%.","Total cash collections $412.3M, down 15.6% (or 10.7% constant currency) from $488.4M a year ago.","Portfolio purchases $183.1M, down from $391.9M Q3 2021; forward flow commitments $1.0B.","U.S. call center collections fell 29.3% due to lower purchases; Europe cash collections up 4.2% constant currency.","Repurchased $25M of common stock (0.7M shares); $67.7M remaining under buyback plan."],"consensus_eps_estimate":null,"consensus_eps_actual":2.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":743674000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":349250,"accession_number":"0001185348-22-000025","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2022-09-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"PRA Group posts new investor presentation; no material financial news disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation covers NPL industry, company's business, history, financials, and key markets.","Highlights key drivers for portfolio supply growth and shareholder value creation.","Management reaffirms commitment to active investor communications; events to be finalized.","No specific financial results or guidance changes provided in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":349249,"accession_number":"0001185348-22-000022","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2022-08-08T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q2 2022 net income $36.5M ($0.91 EPS); cash collections down 18.3% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.91 vs. $1.22 in Q2 2021; net income $36.5M down 34.8%.","Total cash collections $444.1M, down 18.3% (down 15.4% constant currency).","Portfolio purchases $231.3M, up from $219.7M a year ago, driven by Europe.","Share repurchases of $34.9M (0.8M shares); $92.7M remaining under plan.","Estimated remaining collections (ERC) $5.6B; debt to adjusted EBITDA 2.03x."],"consensus_eps_estimate":null,"consensus_eps_actual":1.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":498867000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":366142,"accession_number":"0001185348-22-000018","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2022-06-10T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"PRA Group shareholders elect all 11 directors, approve 2022 Omnibus Incentive Plan","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected 11 director nominees with majority votes; Scott M. Tabakin received 34.4M for, 2.9M against.","Ratified Ernst & Young as auditor for FY2022: 37.8M for, 80k against, 7k abstain.","Advisory say-on-pay approved: 35.1M for, 2.0M against, 213k abstain, 587k broker non-votes.","2022 Omnibus Incentive Plan approved: 34.2M for, 2.9M against, 192k abstain, 587k broker non-votes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.15,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":366141,"accession_number":"0001185348-22-000015","cik":1185348,"company_name":"PRA GROUP INC","ticker":"PRAA","form_type":"8-K","filed_at":"2022-05-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"PRA Group Q1 net income $40M ($0.97 EPS); revenue $240.6M; cash collections $481M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income attributable to PRA Group was $40.0M, down from $58.4M in Q1 2021; diluted EPS $0.97 vs $1.27.","Total revenues $240.6M; cash collections $481.0M, down $74.9M YoY due to lower U.S. call center and legal collections.","Portfolio purchases $147.5M, reflecting continued low U.S. supply and increased European competition.","Repurchased 0.9M shares for $39.5M at avg $45.88; $127.7M remaining under authorization.","Cash efficiency ratio 65.1%; available capacity under credit facilities $571.1M after borrowing base restrictions."],"consensus_eps_estimate":null,"consensus_eps_actual":0.97,"consensus_revenue_estimate":null,"consensus_revenue_actual":240605000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596142090.4485049,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-05-09T23:59:59+00:00|366141"}