{"schema_version":"secwatch.filing_event.v1","accession":"0001185348-25-000003","form_type":"8-K","ticker":"PRAA","cik":"0001185348","company_name":"PRA GROUP INC","filed_at":"2025-02-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.103342+00:00","generated_at":"2026-05-26T10:40:36.235890+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"PRA Group Q4 net income $18.5M, EPS $0.47; full-year profitable, record portfolio purchases $1.4B","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001185348-25-000003","json":"https://secwatch.observer/filing/0001185348-25-000003.json","markdown":"https://secwatch.observer/filing/0001185348-25-000003.md","text":"https://secwatch.observer/filing/0001185348-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1185348/000118534825000003/0001185348-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1185348/000118534825000003/praa-20250219.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T10:40:36.235890+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"}