{"schema_version":"secwatch.filing_event.v1","accession":"0001185348-24-000050","form_type":"8-K","ticker":"PRAA","cik":"0001185348","company_name":"PRA GROUP INC","filed_at":"2024-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.864402+00:00","generated_at":"2026-05-30T05:48:15.750844+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"PRA Group Q3 net income $27.2M ($0.69 EPS) vs year-ago loss; raises 2024 ROATE target to 8%+","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001185348-24-000050","json":"https://secwatch.observer/filing/0001185348-24-000050.json","markdown":"https://secwatch.observer/filing/0001185348-24-000050.md","text":"https://secwatch.observer/filing/0001185348-24-000050.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1185348/000118534824000050/0001185348-24-000050-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1185348/000118534824000050/praa-20241104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T05:48:15.750844+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}