{"schema_version":"secwatch.filing_event.v1","accession":"0001185348-26-000003","form_type":"8-K","ticker":"PRAA","cik":"0001185348","company_name":"PRA GROUP INC","filed_at":"2026-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.650215+00:00","generated_at":"2026-05-15T23:24:48.137357+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"PRA Group Q4 net income $56.5M, full year net loss $305M on $413M goodwill charge; cash collections up 13.6%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001185348-26-000003","json":"https://secwatch.observer/filing/0001185348-26-000003.json","markdown":"https://secwatch.observer/filing/0001185348-26-000003.md","text":"https://secwatch.observer/filing/0001185348-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1185348/000118534826000003/0001185348-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1185348/000118534826000003/praa-20260226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T23:24:48.137357+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"}