PRAA on Nasdaq

PRA Group

Logo: PRA Group, Public domain, via Wikimedia Commons⁵

Publicly-traded debt buyer and debt collection company

PRA Group, Inc. is a publicly traded debt buyer and debt collection company based in Norfolk, Virginia. The company buys delinquent consumer debt from credit card issuers and other financial institutions at a discount and pursues collection of the full debt owed. Founded in 1996, PRA Group employs more than 3200 people in 18 countries.³ Its shares trade on Nasdaq under the symbol PRAA.¹ Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1996Founded¹

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TickerPRAA on Nasdaq¹
IndustryShort-Term Business Credit Institutions¹
HeadquartersNorfolk¹
Legal formDelaware corporation¹
Incorporated inDE⁶
Business address120 Corporate Blvd Ste 100, Norfolk, Va 23502⁶
Filer categoryLarge accelerated filer⁶
LEI549300Q5HW3JSSB86K27⁴
StatusActive⁴
LEI statusIssued and current⁴
Registered addressC/O CORPORATION SERVICE COMPANY, 19808 Wilmington, United States⁴
Registered withDivision of Corporations, Department of State, 3556815⁴

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

-2.5%Operating margin⁹

-25.4%Net margin⁹

7.8%Revenue growth, 2025⁹

-31.1%Return on equity⁹

-$90.4MFree cash flow⁹

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Business segments

United States brought in 57% of the revenue PRA Group broke down this way in fiscal 2025.

United States$611.3M⁹57%up 3% from 2024
Europe$461.4M⁹43%up 17% from 2024

Business segments by year

Business segments	2023	2024	2025
United States	$358.3M	$593.9M	$611.3M
Europe	$330.5M	$395.0M	$461.4M

Regions

United States brought in 51% of the revenue PRA Group broke down this way in fiscal 2025.

United States$611.3M⁹51%up 3% from 2024
Foreign Countries$420.5M⁹35%up 17% from 2024
United Kingdoms$170.1M⁹14%up 5% from 2024

Regions by year

Regions	2023	2024	2025
United States	$358.3M	$593.9M	$611.3M
Foreign Countries	$324.3M	$358.7M	$420.5M
United Kingdoms	$120.0M	$161.9M	$170.1M

Where the money goes

Where each dollar of revenue went, fiscal 2025

Other costs

Other costs96¢$1.2B
Income tax4¢$46.7M

Out of $1.2B in revenue.⁹ The company lost money this year.

Financial statements

Revenue¹⁰¹¹⁹$1.2B in 2025+7522% since 2019

Operating income¹⁰¹²¹³¹¹⁹-$30.3M in 2025

Net income¹⁰¹²¹³¹¹⁹-$305.1M in 2025

Every line of the income statement as filed: the last 3 fiscal years, latest first.⁹

Period ending	2025-12-31	2024-12-31	2023-12-31
Portfolio income	$1.0B	$857.2M	$757.1M
Changes in expected recoveries	$176.5M	$240.9M	$29.1M
Total portfolio revenue	$1.2B	$1.1B	$786.3M
Other revenue	$12.1M	$16.5M	$16.3M
Total revenues	$1.2B	$1.1B	$802.6M
Compensation and benefits	$296.7M	$298.9M	$288.8M
Legal collection costs	$161.6M	$124.8M	$89.1M
Legal collection fees	$64.3M	$56.6M	$38.1M
Agency fees	$92.4M	$83.3M	$74.7M
Professional and outside services	$84.4M	$83.2M	$82.6M
Communication	$36.7M	$43.4M	$40.4M
Rent and occupancy	$14.5M	$16.9M	$17.3M
Depreciation, amortization and impairment of long-lived assets	$10.4M	$10.8M	$18.6M
Goodwill impairment	$412.6M	$0	$0
Other operating expenses	$58.4M	$56.8M	$52.4M
Total operating expenses	$1.2B	$774.8M	$702.1M
Income/(loss) from operations	-$30.3M	$339.7M	$100.5M
Interest expense, net	-$251.8M	-$229.3M	-$181.7M
Gain on sale of equity method investment	$38.4M	$0	$0
Foreign exchange gain/(loss), net	$755.0K	-$9.0K	$289.0K
Other expense	-$336.0K	-$851.0K	-$1.9M
Income/(loss) before income taxes	-$243.2M	$109.6M	-$82.9M
Income tax expense/(benefit)	$46.7M	$21.0M	-$16.1M
Net income/(loss)	-$290.0M	$88.6M	-$66.8M
Net income attributable to noncontrolling interests	$15.2M	$18.0M	$16.7M
Net income/(loss) attributable to PRA Group, Inc.	-$305.1M	$70.6M	-$83.5M
Basic (USD per share)	-$7.79	$1.79	-$2.13
Diluted (USD per share)	-$7.79	$1.79	-$2.13
Basic (shares)	39.2M shares	39.4M shares	39.2M shares
Diluted (shares)	39.2M shares	39.5M shares	39.2M shares

Total assets¹⁶¹⁰¹²¹³¹¹⁹$5.1B in 2025+15% since 2019

Total liabilities¹⁶¹⁰¹²¹³¹¹⁹$4.1B in 2025+27% since 2019

Shareholders’ equity¹⁶¹⁰¹²¹³¹¹⁹$979.9M in 2025−16% since 2019

Cash¹⁰¹²¹³¹¹⁹$104.4M in 2025−13% since 2019

Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.⁹

Period ending	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Cash and cash equivalents	$104.4M	$105.9M	$112.5M
Investments	$66.6M	$66.3M
Finance receivables, net	$4.7B	$4.1B
Income taxes receivable	$17.7M	$19.6M
Deferred tax assets, net	$77.0M	$75.1M
Right-of-use assets	$29.2M	$32.2M
Property and equipment, net	$24.9M	$29.5M
Goodwill	$26.9M	$396.4M	$431.6M
Prepaid expenses and other assets	$68.6M	$65.5M
Total assets	$5.1B	$4.9B
Accrued expenses and accounts payable	$131.8M	$141.2M
Income taxes payable	$29.8M	$28.6M
Deferred tax liabilities, net	$17.1M	$16.8M
Lease liabilities	$32.2M	$36.4M
Interest-bearing deposits	$106.1M	$163.4M
Borrowings	$3.7B	$3.3B
Other liabilities	$49.0M	$24.5M
Total liabilities	$4.1B	$3.7B
Preferred stock, $0.01 par value, 2,000 shares authorized, no shares issued and outstanding	$0	$0
Common stock, $0.01 par value; 100,000 shares authorized, 38,453 shares issued and outstanding as of December 31, 2025; 100,000 shares authorized, 39,510 shares issued and outstanding as of December 31, 2024	$385.0K	$395.0K
Additional paid-in capital	$11.5M	$17.9M
Retained earnings	$1.3B	$1.6B
Accumulated other comprehensive loss	-$287.0M	-$443.4M
Total stockholders' equity - PRA Group, Inc.	$979.9M	$1.1B
Noncontrolling interests	$60.1M	$58.6M
Total equity	$1.0B	$1.2B	$1.2B	$1.3B
Total liabilities and equity	$5.1B	$4.9B
Preferred stock, par value (USD per share)	$0.01	$0.01
Preferred stock, shares authorized	2.0M shares	2.0M shares
Preferred stock, shares issued	0 shares	0 shares
Preferred stock, shares outstanding	0 shares	0 shares
Common stock, par value (USD per share)	$0.01	$0.01
Common stock, shares authorized	100.0M shares	100.0M shares
Common stock, shares issued	38.5M shares	39.5M shares
Common stock, shares outstanding	38.5M shares	39.5M shares

Period ending	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Cash and cash equivalents	$104.4M	$105.9M	$112.5M
Investments	$66.6M	$66.3M
Finance receivables, net	$4.7B	$4.1B
Income taxes receivable	$17.7M	$19.6M
Deferred tax assets, net	$77.0M	$75.1M
Right-of-use assets	$29.2M	$32.2M
Property and equipment, net	$24.9M	$29.5M
Goodwill	$26.9M	$396.4M	$431.6M
Prepaid expenses and other assets	$68.6M	$65.5M
Total assets	$5.1B	$4.9B
Accrued expenses and accounts payable	$131.8M	$141.2M
Income taxes payable	$29.8M	$28.6M
Deferred tax liabilities, net	$17.1M	$16.8M
Lease liabilities	$32.2M	$36.4M
Interest-bearing deposits	$106.1M	$163.4M
Borrowings	$3.7B	$3.3B
Other liabilities	$49.0M	$24.5M
Total liabilities	$4.1B	$3.7B
Preferred stock, $0.01 par value, 2,000 shares authorized, no shares issued and outstanding	$0	$0
Common stock, $0.01 par value; 100,000 shares authorized, 38,453 shares issued and outstanding as of December 31, 2025; 100,000 shares authorized, 39,510 shares issued and outstanding as of December 31, 2024	$385.0K	$395.0K
Additional paid-in capital	$11.5M	$17.9M
Retained earnings	$1.3B	$1.6B
Accumulated other comprehensive loss	-$287.0M	-$443.4M
Total stockholders' equity - PRA Group, Inc.	$979.9M	$1.1B
Noncontrolling interests	$60.1M	$58.6M
Total equity	$1.0B	$1.2B	$1.2B	$1.3B
Total liabilities and equity	$5.1B	$4.9B
Preferred stock, par value (USD per share)	$0.01	$0.01
Preferred stock, shares authorized	2.0M shares	2.0M shares
Preferred stock, shares issued	0 shares	0 shares
Preferred stock, shares outstanding	0 shares	0 shares
Common stock, par value (USD per share)	$0.01	$0.01
Common stock, shares authorized	100.0M shares	100.0M shares
Common stock, shares issued	38.5M shares	39.5M shares
Common stock, shares outstanding	38.5M shares	39.5M shares

Cash from operations¹⁰¹²¹³¹¹⁹-$85.5M in 2025

Capital spending¹⁰¹²¹³¹¹⁹$4.8M in 2025−73% since 2019

Free cash flow¹⁰¹²¹³¹¹⁹-$90.4M in 2025

Share buybacks¹⁰¹²¹³¹¹⁹$20.0M in 2025

Every line of the cash flow as filed: the last 3 fiscal years, latest first.⁹

Period ending	2025-12-31	2024-12-31	2023-12-31
Net income/(loss)	-$290.0M	$88.6M	-$66.8M
Share-Based Payment Arrangement, Noncash Expense	$15.9M	$13.5M	$11.1M
Depreciation, Depletion and Amortization, and Impairment, Nonproduction	$10.4M	$10.8M	$18.6M
Goodwill impairment	$412.6M	$0	$0
Gain on sale of equity method investment	-$38.4M	$0	$0
Amortization of Debt Issuance Costs and Discounts	$7.9M	$10.6M	$9.2M
Financing Receivable, Allowance For Credit Loss, Changes In Estimated Recoveries	-$176.5M	-$240.9M	-$29.1M
Deferred Income Taxes and Tax Credits	$6.4M	-$2.1M	-$35.9M
Unrealized Gain (Loss), Foreign Currency Transaction, before Tax	$13.1M	-$5.2M	$16.6M
Other Noncash Income (Expense)	$279.0K	-$1.6M	-$1.5M
Increase (Decrease) in Prepaid Expense and Other Assets	$17.8M	$9.5M	$1.8M
Increase (Decrease) in Accounts Payable and Accrued Liabilities	-$3.4M	$30.9M	$15.3M
Net Cash Provided by (Used in) Operating Activities, Total	-$85.5M	-$94.6M	-$97.5M
Payments to Acquire Property, Plant, and Equipment	-$4.8M	-$4.0M	-$2.9M
Payments to Acquire Finance Receivables	-$1.2B	-$1.4B	-$1.2B
Proceeds From Recovery Of Negative Financing Receivable Allowance	$1.1B	$1.0B	$917.0M
Payments For (Proceeds From) Marketable Securities)	-$57.9M	-$57.4M	-$60.1M
Proceeds from Sale and Maturity of Marketable Securities	$107.4M	$58.1M	$71.3M
Net Cash Provided by (Used in) Investing Activities, Total	-$59.9M	-$382.5M	-$234.9M
Proceeds from Long-Term Lines of Credit	$1.2B	$1.9B	$814.6M
Repayments of Long-Term Lines of Credit	-$1.3B	-$1.7B	-$480.1M
Senior Notes Repurchased and Retired During Period	$0	$298.0M	$348.7M
Repayments of Other Long-Term Debt	-$10.0M	-$445.0M	-$7.5M
Payments for Repurchase of Common Stock	-$20.0M	$0	$0
Payments of Financing Costs	-$6.4M	-$15.3M	-$5.3M
Payment, Tax Withholding, Share-Based Payment Arrangement	-$2.3M	-$2.7M	-$6.2M
Payments to Noncontrolling Interests	-$25.1M	-$19.3M	-$10.1M
Proceeds from Noncontrolling Interests	$4.2M	$2.4M	$0
Net Change Interest-Bearing Deposits, Foreign	-$88.2M	$59.8M	-$1.4M
Supplemental disclosure of cash flow information	$116.0M	$490.8M	$355.3M
Effect of Exchange Rate on Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation	$30.7M	-$20.0M	$6.0M
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect, Total	$1.2M	-$6.3M	$28.9M
Interest Paid, Excluding Capitalized Interest, Operating Activity	$259.1M	$224.1M	$138.3M
Income Taxes Paid	$38.5M	$5.2M	$25.5M

Compare PRA Group with another company

Corporate structure

PRA Group sits at the top of its group. 43 entities, 16 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PRA Group

T. Rowe Price Investment Management, Inc. Filed SCHEDULE 13G/A on PRA Group, latest Aug 14, 2026 (6 filings since Feb 14, 2023)
Global Alpha Capital Management Ltd. Filed SCHEDULE 13G/A on PRA Group, latest Jul 30, 2026 (2 filings since May 8, 2025)
BlackRock Filed SCHEDULE 13G/A on PRA Group, latest Jul 8, 2026 (5 filings since Jan 28, 2022)
VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on PRA Group, latest Apr 30, 2026
VANGUARD GROUP INC Filed SCHEDULE 13G/A on PRA Group, latest Mar 27, 2026 (6 filings since Feb 10, 2022)
Topline Capital Management, LLC Filed SCHEDULE 13G/A on PRA Group, latest Feb 13, 2026 (2 filings since Aug 14, 2025)
DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on PRA Group, latest Jan 21, 2026 (4 filings since Feb 10, 2023)
Wellington Management Company Filed SCHEDULE 13G/A on PRA Group, latest Aug 12, 2025 (4 filings since Feb 4, 2022)
Engaged Capital LLC Filed SC 13D/A on PRA Group, latest Feb 16, 2024 (2 filings since Dec 13, 2023)
PRICE T ROWE ASSOCIATES INC /MD/ Filed SC 13G/A on PRA Group, latest Feb 14, 2023 (2 filings since Feb 14, 2022)
Turtle Creek Asset Management Inc. Filed SC 13G/A on PRA Group, latest Feb 14, 2023 (2 filings since Feb 14, 2022)

PRA Group Norfolk, Virginia, United States
- AK Nordic AB Subsidiary · Sweden
- AK NORDIC ITALY S.R.L. Subsidiary · Milano, Italy
- AK Nordic NUF Subsidiary · Norway
- Claims Compensation Bureau, LLC Subsidiary · Delaware, United States
- Portfolio Recovery Associates, LLC Subsidiary · Delaware, United States
- PRA Australia Pty Ltd Subsidiary · Australia
- PRA Group (UK) Limited - United Kingdom Subsidiary · United Kingdom
- PRA Group (UK) Portfolios Limited - United Kingdom Subsidiary · United Kingdom
- PRA Group Brasil - Empreedimentos e Participações LTDA Subsidiary · Brazil
- PRA Group Canada Inc. Subsidiary · Canada
- PRA Group Colombia Holding S.A.S. Subsidiary · Colombia
- PRA Group Deutschland GmbH Subsidiary · Germany
- PRA Group Europe AS Subsidiary · Norway
- PRA Group Europe Finance S.a.r.l. Subsidiary · Luxembourg
- PRA GROUP EUROPE HOLDING I S.À.R.L. Subsidiary · Luxembourg, Luxembourg
- PRA GROUP EUROPE HOLDING II S.A R.L. (PRA GROUP EUROPE HOLDING II S.À R.L.) Subsidiary · Luxembourg, Luxembourg
- PRA Group Europe Holding II S.á r.l Subsidiary · Luxembourg
- PRA Group Europe Holding III S.a r.l. (PRA Group Europe Holding III S.à r.l.) Subsidiary · Luxembourg, Luxembourg
- PRA Group Europe Holding III S.á r.l. Subsidiary · Luxembourg
- PRA Group Europe Holding S.á r.l. Subsidiary · Luxembourg
- PRA Group Europe Holding S.á r.l., Luxembourg, Zweigniederlassung Zug Branch Subsidiary · Switzerland
- PRA GROUP EUROPE HOLDING SARL (PRA Group Europe Holding S.à.r.l.) Subsidiary · Luxembourg, Luxembourg
  - PRA GROUP EUROPE AS Subsidiary · Oslo, Norway
  - PRA Group Europe Holding S.a.r.l., Luxembourg, Zug Branch Branch · Luxembourg, Luxembourg
- PRA Group Europe Portfolio AS Subsidiary · Norway
- PRA Group Europe Portfolio AS, Oslo, Zug Branch Subsidiary · Switzerland
- PRA Group Norge AS Subsidiary · Norway
- and 15 more

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What PRA Group reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Item	Latest	A year before	Change
Land	$1.4M⁹ Dec 31, 2025	$1.4M⁹ Dec 31, 2024	0%
Buildings and improvements	$19.7M⁹ Dec 31, 2025	$19.6M⁹ Dec 31, 2024	+0.2%
Machinery and equipment	$9.7M⁹ Dec 31, 2025	$10.0M⁹ Dec 31, 2024	−3.6%
Furniture and fixtures	$11.1M⁹ Dec 31, 2025	$14.4M⁹ Dec 31, 2024	−23.0%
Computer equipment and software	$71.4M⁹ Dec 31, 2025	$66.5M⁹ Dec 31, 2024	+7.3%
Leasehold improvements	$16.2M⁹ Dec 31, 2025	$18.1M⁹ Dec 31, 2024	−10.2%
Construction in progress	$2.0M⁹ Dec 31, 2025	$848.0K⁹ Dec 31, 2024	+136.1%
Accumulated depreciation	$124.4M⁹ Dec 31, 2025	$119.6M⁹ Dec 31, 2024	+4.0%
Property and equipment, net	$24.9M⁹ Dec 31, 2025	$29.5M⁹ Dec 31, 2024	−15.6%
Operating-lease assets (leased space)	$29.2M⁹ Dec 31, 2025	$32.2M⁹ Dec 31, 2024	−9.2%

Real estate and locations

Item	Latest	A year before	Change
Countries it operates in	12⁹ Dec 31, 2025

Investments

Item	Latest	A year before	Change
Cash and cash equivalents	$104.4M⁹ Dec 31, 2025	$105.9M⁹ Dec 31, 2024	−1.4%
Debt securities available for sale	$64.9M⁹ Dec 31, 2025	$55.8M⁹ Dec 31, 2024	+16.4%

Intangibles and goodwill

Item	Latest	A year before	Change
Goodwill	$26.9M⁹ Dec 31, 2025	$396.4M⁹ Dec 31, 2024	−93.2%

Properties, in its own words

Our corporate headquarters are located in Norfolk, Virginia. As of December 31, 2025, we had five operational sites in our U.S. business (three leased and two owned), eight leased properties in our European business and five leased properties in our other markets. In December 2025, we entered into a lease for a new talent hub in Charlotte, North Carolina, which will begin operating in March 2026.

Item 2 of the 10-K filed Mar 2, 2026.¹⁷

The story

PRA Group was founded as Portfolio Recovery Associates, LLC in March 1996 by Kevin Stevenson and Steve Fredrickson, who worked previously in collections at Household Finance. With a staff of four in Norfolk, Virginia, the company began to purchase debt in May 1996. In 2000, PRA purchased $1 billion of debt. Then operating as Portfolio Recovery Associates Inc., it was ranked as the tenth largest debt buyer in the United States.

In 2000, the company established a call center in Hutchinson, Kansas. 75 bill collectors worked from the Hutchinson call center in 2001. The main call center, which employed 380 collectors and supervisors, was located in the Riverside Commerce Center in Virginia Beach, Virginia.

In 2002, about 50% of the company's debt portfolio had come from major credit card issuers including Visa, MasterCard and Discover. The portfolio had a value of $4.7 billion, based on money owed by 1.5 million individual debtors. In 2002, PRA had 590 employees across all sites and divisions.

PRA went public on November 8, 2002. Its IPO raised $50.7 million through the sale of 3.9 million shares of its stock at $13./share. By February 2003, it was trading at 60% above its $13 offering price. A second stock offering in May 2003 consisted largely of sales by insiders; the cofounders of PRA and an officer of the company collectively cleared $12.2 million from the offering.

In April 2010, PRA secured a controlling interest in the company Claims Compensation Bureau, which specialized in "recovering funds and processing payments owed under class-action settlements".

In 2013 PRA was listed in the Federal Trade Commission's report on the debt buying industry as one of the top five debt buyers in the US. Based on SEC filings, PRA's revenue for 2017 was $813 million. In October 2014, the company name was changed from Portfolio Recovery Associates, Inc. to PRA Group, Inc.

In 2015 PRA Group acquired Aktiv Kapital, a Norway-based debt buyer and lender in Europe and Canada. In 2020, the company expanded into Australia.

From Wikipedia’s article on PRA Group, shared under CC BY-SA 4.0.⁷

Leadership

Who has led PRA Group, and when. Pick a name to see everywhere that person has worked.

Chief executive

Chair

Steven D. Fredrickson2006–2018

President

Chief financial officer

Chief operating officer

200020052010201520202025

Chief executive officerMartin Sjolund Mar 11, 2026 to now¹⁸
Chief executive officerVikram A. Atal May 19, 2023 to Mar 11, 2026¹⁹
Chief executive officerKevin P. Stevenson Jan 3, 2018 to Mar 9, 2023²⁰
Chief executive officerTikendra Patel Feb 8, 2016 to Mar 9, 2018²¹
Chief executive officerGeir Olsen Oct 31, 2014 to Dec 30, 2015²²
Chief executive officerSteven D. Fredrickson Jan 5, 2006 to Mar 8, 2017²³
ChairSteven D. Fredrickson Jan 5, 2006 to Jan 3, 2018²³
PresidentVikram A. Atal May 19, 2023 to now¹⁹
PresidentMartin Sjolund Jun 20, 2018 to May 19, 2023²⁴
PresidentKevin P. Stevenson Jan 17, 2017 to Mar 9, 2023²⁵
PresidentMichael J. Petit Jan 4, 2012 to Jul 25, 2014²⁶
PresidentSteven D. Fredrickson Jan 5, 2006 to Aug 20, 2015²³
Chief financial officerRakesh Sehgal Sep 19, 2023 to now²⁷
Chief financial officerKevin P. Stevenson Jan 5, 2006 to Mar 8, 2016²⁸
Chief operating officerMartin Sjolund Feb 8, 2016 to Jun 19, 2018²⁹
Chief operating officerTikendra Patel Nov 6, 2015 to Jan 20, 2016³⁰

Board members and other officers (30)

EVP, Global Operations OfficerSteven A. Macke May 9, 2024 to Mar 3, 2025³¹
SVP, Global Insolv Inv ServAndrew Berardi Feb 27, 2017 to Mar 9, 2018³²
Corporate SecretaryJudith S. Scott Feb 2, 2016 to Mar 1, 2016³³
Chief Compliance OfficerLaura White Nov 2, 2015 to Mar 9, 2023³⁴
Dir Europe Strategy & Bus DevMartin Sjolund Nov 12, 2015 to Jan 20, 2016³⁵
EVP of OperationsNeal Stern Feb 7, 2011 to Mar 1, 2016³⁶
SVP BankruptcyMichael J. Petit Feb 11, 2011 to Feb 7, 2017³⁷
SVP - Strategy and DevelopmentPeter Kent McCammon Feb 16, 2010 to Feb 7, 2017³⁸
Executive VP - AcquisitionsCraig A. Grube Jan 5, 2006 to Jan 27, 2011³⁹
Board memberAdrian M. Butler Jan 10, 2025 to now⁴⁰
Board memberMartin Sjolund Jun 20, 2025 to now⁴¹
Board memberGlenn P. Marino Mar 19, 2024 to Jun 17, 2024⁴²
Board memberSteven D. Fredrickson Jan 27, 2023 to now⁴³
Board memberPeggy P. Turner Jun 14, 2021 to now⁴⁴
Board memberBrett Lee Paschke Jul 2, 2020 to now⁴⁵
Board memberLance L. Weaver Jan 8, 2016 to now⁴⁶
Board memberKevin P. Stevenson Jan 20, 2016 to Mar 9, 2023⁴⁷
Board memberGeir Olsen Feb 1, 2016 to now⁴⁸
Board memberVikram A. Atal Aug 19, 2015 to now⁴⁹
Board memberJames Nussle Jun 12, 2013 to Jun 15, 2023⁵⁰
Board memberMarjorie M. Connelly Sep 20, 2013 to now⁵¹
Board memberJohn E. Fuller Mar 8, 2010 to Jun 1, 2012⁵²
Board memberWilliam P. Brophey Feb 23, 2006 to Nov 19, 2009⁵³
Board memberDavid N. Roberts May 30, 2006 to Nov 17, 2017⁵⁴
Board memberScott M. Tabakin Aug 2, 2006 to now⁵⁵
Board memberPenelope W. Kyle Oct 26, 2006 to Jun 15, 2020⁵⁶
Board memberJames M. Voss Nov 21, 2006 to May 16, 2016⁵⁷
General counselLatisha Owens Tarrant Mar 6, 2023 to now⁵⁸
General counselChristopher D. Lagow Feb 16, 2016 to Mar 8, 2023⁵⁹
General counselJudith S. Scott Apr 21, 2006 to Jul 14, 2015⁶⁰

Products and brands

PRA Group's subsidiaries include Portfolio Recovery Associates, LLC, which purchases and collects debt; PRA Receivables Management, LLC, which acquires and services bankrupt and insolvent accounts; PRA Location Services, which helps auto lenders and insurance companies recover missing collateral; and Claims Compensation Bureau (CCB), which monitors and files class action claims on behalf of institutional investors and corporate clients.

From Wikipedia’s article on PRA Group, shared under CC BY-SA 4.0.⁷

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

AK Nordic AB Sweden⁸
AK Nordic Italy S.r.l. Italy⁸
AK Nordic NUF Norway⁸
Claims Compensation Bureau, LLC Delaware⁸
PRA Australia Pty Ltd Australia⁸
PRA Group (UK) Limited - United Kingdom England and Wales⁸
PRA Group (UK) Portfolios Limited - United Kingdom England and Wales⁸
PRA Group Brasil - Empreedimentos e Participações LTDA - Brazil⁸
PRA Group Canada Inc. Canada⁸
PRA Group Colombia Holding S.A.S. Colombia⁸
PRA Group Deutschland GmbH Germany⁸
PRA Group Europe AS Norway⁸
PRA Group Europe Finance S.a.r.l. Luxembourg⁸
PRA Group Europe Holding I S.á r.l. Luxembourg⁸
PRA Group Europe Holding II S.á r.l Luxembourg⁸
PRA Group Europe Holding III S.á r.l. Luxembourg⁸
PRA Group Europe Holding S.á r.l. Luxembourg⁸
PRA Group Europe Holding S.á r.l., Luxembourg, Zweigniederlassung Zug Branch Switzerland⁸
PRA Group Europe Portfolio AS Norway⁸
PRA Group Europe Portfolio AS, Oslo, Zug Branch Switzerland⁸
PRA Group Norge AS Norway⁸
PRA Group Polska Holding sp. zoo Poland⁸
PRA Group Polska Sub-Holding sp. z o.o. Poland⁸
PRA Group Polska sp. zoo Poland⁸

All 35 listed subsidiaries

PRA Group Sverige AB Sweden⁸
PRA Group Switzerland Portfolio AG Switzerland⁸
PRA Group TFI, S.A. Poland⁸
PRA Group Österreich Inkasso GmbH Austria⁸
PRA Group Österreich Portfolio GmbH Austria⁸
PRA Holding IV, LLC Virginia⁸
PRA Holding V, LLC Virginia⁸
PRA Iberia, S.L.U. Spain⁸
PRA Receivables Management, LLC Virginia⁸
PRA Suomi OY Finland⁸
Portfolio Recovery Associates, LLC Delaware⁸

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

PORTFOLIO RECOVERY ASSOCIATES INCSep 6, 2002 to Oct 17, 2014⁶

Controversies and legal

Litigation and regulatory actions

In 2014, the Attorney General of New York obtained a settlement against PRA "for repeatedly bringing improper debt collection actions against New York consumers." The case involved uncontested default judgments levied against defendants who failed to respond to suits brought by PRA against them. The settlement required the abandonment of claims against debtors, changes in collection practices, and a civil fine.

In May 2015, a jury ordered Portfolio Recovery Associates to pay $82,990,000 in punitive damages for the malicious prosecution of Maria Guadalupe Mejia, a Kansas City woman who was pursued by PRA for a $1000 credit card debt she did not owe. The company was also fined $250,000 for violating the Fair Debt and Collection Practices Act.

In September 2015, The Consumer Financial Protection Bureau (CFPB) ordered PRA to pay an $8m penalty and issue $19 million in consumer refunds. The company was also ordered to cease collection attempts on debt totaling more than $3 million. The CFPB found that PRA:

Threatened and deceived consumers to collect on inaccurate debts;

Stated incorrect balances, interest rates, and payment due dates in attempting to collect debts from consumers;

Failed to provide documentation on debts;

Read the full text

Filed court cases without documentation to mislead consumers, and collected default judgments when consumers failed to appear in court;

Filed cases on debts that they knew were outside the statute of limitations.

A 2019 court case between PRA Group's UK subsidiary and a debtor – Doyle vs PRA Group (UK) Ltd – clarified UK law around statute-barred debt, with the judge ruling that creditors were unable to pursue a debt if no action had been taken within six years of the initial default.

In March 2023, PRA was fined $24 million for continued illegal debt collection practices and consumer reporting violations. The director of the agency stated that following the 2015 action, PRA continued "violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits."

In 2024, PRA paid $5.5 million to settle a class action lawsuit that alleged the company violated North Carolina debt collection law by obtaining default judgments against debtors without filing sufficient evidence to substantiate the debts claimed to be owed.

From Wikipedia’s article on PRA Group, shared under CC BY-SA 4.0.⁷

Timeline

Oct 8, 20268-K Entered a material agreement; New debt or obligation⁶¹
Sep 29, 20268-K Other events⁶²
Sep 29, 20268-K Other events⁶³
Sep 23, 20268-K Executive or director change⁶⁴
Aug 6, 20268-K Results of operations; Regulation FD disclosure; Other events⁶⁵
Jun 23, 20268-K Executive or director change; Shareholder vote⁶⁶
May 7, 20268-K Results of operations; Regulation FD disclosure⁶⁷
May 5, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure⁶⁸
Mar 11, 2026New chief executive Martin Sjolund becomes CEO¹⁸
Feb 26, 20268-K Results of operations; Regulation FD disclosure⁶⁹
Nov 3, 20258-K Results of operations; Regulation FD disclosure⁷⁰
Oct 1, 20258-K Entered a material agreement; New debt or obligation⁷¹
Sep 24, 20258-K Other events⁷²
May 19, 2023New chief executive Vikram A. Atal becomes CEO¹⁹
Jan 3, 2018New chief executive Kevin P. Stevenson becomes CEO²⁰
Feb 8, 2016New chief executive Tikendra Patel becomes CEO²¹
Oct 31, 2014New chief executive Geir Olsen becomes CEO²²
Jan 5, 2006New chief executive Steven D. Fredrickson becomes CEO²³
1996Founded Founded¹

Calendar

Coming up

Nov 5, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.53 a share, on Nov 3, 2025.⁷³

When it reported results

Aug 6, 2026Reported quarterly or annual results⁶⁵
May 7, 2026Reported quarterly or annual results⁶⁷
Feb 26, 2026Reported quarterly or annual results⁶⁹
Nov 3, 2025Reported quarterly or annual results⁷⁰
Aug 4, 2025Reported quarterly or annual results⁷⁴
May 5, 2025Reported quarterly or annual results⁷⁵
Feb 19, 2025Reported quarterly or annual results⁷⁶
Nov 4, 2024Reported quarterly or annual results⁷⁷

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

304 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 61 major events, 169 insider forms, 36 large holders, 18 other. The latest 20:

Oct 8, 20268-K EDGAR
Sep 29, 20268-K EDGAR
Sep 29, 20268-K EDGAR
Sep 23, 20268-K EDGAR
Sep 17, 20264 EDGAR
Sep 11, 20264 EDGAR
Aug 18, 20264 EDGAR
Aug 18, 20264 EDGAR
Aug 14, 2026SCHEDULE 13G/A EDGAR
Aug 14, 2026S-8 EDGAR
Aug 7, 202610-Q EDGAR
Aug 6, 20268-K EDGAR
Jul 30, 2026SCHEDULE 13G/A EDGAR
Jul 8, 2026SCHEDULE 13G/A EDGAR
Jun 23, 20268-K EDGAR
Jun 18, 20264 EDGAR
Jun 18, 20264 EDGAR
Jun 18, 20264 EDGAR
Jun 18, 20264 EDGAR
Jun 18, 20264 EDGAR

The 304 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

45 open-market trades by officers, directors and large owners since October 2021: 11 buys and 34 sales. Grants, option exercises and gifts are left out.

Date	Who	Trade	Shares	Price	Value	Filing
Nov 6, 2025	Olsen GeirDirector	Buy	15,000	$14.15	$212.2K	Form 4
May 7, 2025	Paschke Brett LeeDirector	Buy	5,000	$13.39	$67.0K	Form 4
May 7, 2025	Paschke Brett LeeDirector	Buy	5,000	$13.39	$67.0K	Form 4
May 7, 2025	Olsen GeirDirector	Buy	18,230	$13.59	$247.7K	Form 4
May 7, 2025	Olsen GeirDirector	Buy	18,230	$13.59	$247.7K	Form 4
Aug 7, 2024	Olsen GeirDirector	Buy	11,750	$21.39	$251.3K	Form 4
Apr 15, 2024	Atal Vikram APresident and CEO	Sale	5,830	$24.39	$142.2K	Form 4
Aug 29, 2023	FREDRICKSON STEVEN DDirector	Buy	26,000	$19.31	$502.1K	Form 4
Jun 2, 2023	Connelly Marjorie MaryDirector	Buy	7,425	$20.20	$150.0K	Form 4
May 18, 2023	Atal Vikram APresident and CEO	Buy	40,000	$18.81	$752.2K	Form 4
May 17, 2023	Paschke Brett LeeDirector	Buy	7,500	$18.91	$141.8K	Form 4
May 17, 2023	TABAKIN SCOTT MDirector	Buy	12,000	$19.07	$228.8K	Form 4
Feb 28, 2023	Roberts Steven CEVP, Global Operations Officer	Sale	3,380	$42.00	$142.0K	Form 4
Feb 28, 2023	FREDRICKSON STEVEN DDirector	Sale	10,000	$42.52	$425.2K	Form 4
Feb 2, 2023	FREDRICKSON STEVEN DDirector	Sale	5,000	$41.04	$205.2K	Form 4
Jan 31, 2023	FREDRICKSON STEVEN DDirector	Sale	1,000	$40.00	$40.0K	Form 4
Jan 25, 2023	FREDRICKSON STEVEN DDirector	Sale	4,000	$40.00	$160.0K	Form 4
Apr 26, 2022	STEVENSON KEVIN PPresident & CEO	Sale	3,000	$43.34	$130.0K	Form 4
Apr 25, 2022	STEVENSON KEVIN PPresident & CEO	Sale	5,000	$42.99	$214.9K	Form 4
Apr 22, 2022	STEVENSON KEVIN PPresident & CEO	Sale	5,000	$43.56	$217.8K	Form 4

All 45 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

T. Rowe Price Investment Management, Inc.SCHEDULE 13G/A, 6 filings Feb 14, 2023 to Aug 14, 2026⁷⁸
Global Alpha Capital Management Ltd.SCHEDULE 13G/A, 2 filings May 8, 2025 to Jul 30, 2026⁷⁹
BlackRockSCHEDULE 13G/A, 5 filings Jan 28, 2022 to Jul 8, 2026⁸⁰
VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 30, 2026⁸¹
VANGUARD GROUP INCSCHEDULE 13G/A, 6 filings Feb 10, 2022 to Mar 27, 2026⁸²
Topline Capital Management, LLCSCHEDULE 13G/A, 2 filings Aug 14, 2025 to Feb 13, 2026⁸³
DIMENSIONAL FUND ADVISORS LPSCHEDULE 13G/A, 4 filings Feb 10, 2023 to Jan 21, 2026⁸⁴
Wellington Management CompanySCHEDULE 13G/A, 4 filings Feb 4, 2022 to Aug 12, 2025⁸⁵
Engaged Capital LLCSC 13D/A, 2 filings Dec 13, 2023 to Feb 16, 2024⁸⁶
PRICE T ROWE ASSOCIATES INC /MD/SC 13G/A, 2 filings Feb 14, 2022 to Feb 14, 2023⁸⁷
Turtle Creek Asset Management Inc.SC 13G/A, 2 filings Feb 14, 2022 to Feb 14, 2023⁸⁸

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Year	Executive	Age	Salary	Total pay
2025	Vikram A. Atal		$950.0K	$7.1M⁸⁹
2025	Martin Sjolund	53	$746.8K	$4.9M⁸⁹
2025	LaTisha O. Tarrant	53	$525.0K	$2.1M⁸⁹
2025	Rakesh Sehgal	53	$520.0K	$2.1M⁸⁹
2025	R. Owen James	59	$496.5K	$2.0M⁸⁹
2024	Former President and Chief Executive Officer		$950.0K	$7.5M⁸⁹
2024	President and Chief Executive Officer		$486.8K	$2.5M⁸⁹
2024	General Counsel & Chief Human Resources Officer		$504.8K	$2.3M⁸⁹
2024	Executive VicePresident & Chief Financial Officer		$500.0K	$2.1M⁸⁹
2024	PresidentPRA Group Europe		$389.5K	$1.8M⁸⁹
2023	Former President and Chief Executive Officer		$694.2K	$3.1M⁸⁹
2023	President and Chief Executive Officer		$481.2K	$1.9M⁸⁹
2023	General Counsel & Chief Human Resources Officer		$576.9K	$1.6M⁸⁹
2023	Executive VicePresident & Chief Financial Officer		$432.5K	$1.2M⁸⁹
2023	PresidentPRA Group Europe		$367.5K	$1.1M⁸⁹

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

Fund	Shares	Value	Share of the fund	Change
BlackRock, Inc.	4,433,001	$84.2M	0.0%	−2,655,778
Topline Capital Management, LLC	3,845,334	$73.0M	18.9%	No change
Vanguard Capital Management LLC	1,648,418	$31.3M	0.0%	−6,078
Global Alpha Capital Management Ltd.	1,574,253	$29.9M	1.8%	−362,507
Dimensional Fund Advisors LP	1,359,738	$25.8M	0.0%	−275,868
Assenagon Asset Management S.A.	1,202,888	$22.8M	0.0%	+1,082,982
American Century Companies Inc	1,023,033	$19.4M	0.0%	+441,369
Geode Capital Management, LLC	1,010,193	$19.2M	0.0%	+63,663
State Street Corp	946,980	$18.0M	0.0%	−553,936
Wellington Management Group Llp	827,720	$15.7M	0.0%	+77,188
D. E. Shaw & Co., Inc.	783,504	$14.9M	0.0%	−38,110
Millennium Management LLC	753,597	$14.3M	0.0%	+465,135
Jacobs Levy Equity Management, Inc	749,184	$14.2M	0.1%	+82,582
Jane Street Group, LLC	705,920	$13.4M	0.0%	+332,930
Arrowstreet Capital, Limited Partnership	672,074	$12.8M	0.0%	+554,970
Charles Schwab Investment Management Inc	641,601	$12.2M	0.0%	−129,445
Royal Bank Of Canada	621,699	$11.8M	0.0%	−176,350
Citadel Advisors LLC	581,087	$11.0M	0.0%	+333,538
Vanguard Portfolio Management LLC	485,270	$9.2M	0.0%	−337,381
Capital Management Corp /va	477,134	$9.1M	1.4%	+34,630
Qube Research & Technologies Ltd	374,981	$7.1M	0.0%	New
Northern Trust Corp	369,084	$7.0M	0.0%	−28,650
Tudor Investment Corp Et Al	324,160	$6.2M	0.0%	+114,393
Trexquant Investment LP	310,797	$5.9M	0.0%	−11,542
Franklin Resources Inc	299,083	$5.7M	0.0%	+232,342

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

2 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

Date	Member	Trade	Amount	Vs S&P since	Filing
Oct 19, 2020	Gilbert Ray Cisneros, Jr.Democratic, House	Partial sale	$1,001 - $15,000	+174.8%	Report
May 15, 2020	Gilbert Ray Cisneros, Jr.Democratic, House	Partial sale	$1,001 - $15,000	+207.8%	Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How PRA Group is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

Name on EDGARPRA GROUP INC²
CIK0001185348
Employer ID (EIN)75-3078675¹⁷
Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company¹⁷
Incorporated inDelaware¹⁷
Fiscal year endsDecember 31²
Industry code (SIC)6153 Short-Term Business Credit Institutions²
SEC reviewing officeOffice of Finance, Division of Corporation Finance²
Business address120 Corporate Blvd Ste 100, Norfolk, VA 23502²
Phone7575199300²
Shares outstanding37,648,006 as of Jul 31, 2026¹⁵
Public float$568.0M as of Jun 30, 2025¹⁷
AuditorErnst & Young LLP, Richmond, Virginia PCAOB ID 42; it also attests to the company’s internal control over financial reporting¹⁷
On EDGAR sinceSep 6, 2002²
Filings1,696 in all: 4 (1,013), 8-K (268), SC 13G/A (86), 10-Q (72), 3 (34), SC 13G (27), 10-K (24), 4/A (24)²
All 39 form types
DEF 14A (24), UPLOAD (18), CORRESP (17), SCHEDULE 13G/A (11), ARS (8), DEFA14A (6), 10-K/A (5), 5 (5), 8-K/A (5), S-8 (5), SC 13D/A (5), SCHEDULE 13G (5), 144 (4), SC 13D (4), S-1/A (3), 10-Q/A (2), 3/A (2), 424B4 (2), 424B5 (2), PRE 14A (2), S-1 (2), S-1MEF (2), 424B1 (1), 5/A (1), 8-A12G (1), DEFR14A (1), NT 10-K (1), S-3 (1), S-3/A (1), S-3ASR (1), S-8 POS (1)
Latest filingsAnnual report (10-K) Mar 2, 2026
Quarterly report (10-Q) Aug 7, 2026
Proxy statement (DEF 14A) Apr 30, 2026
Latest 8-K (8-K) Oct 8, 2026

Securities registered for trading

Class	Symbol	Exchange
Common Stock, $0.01 par value per share	PRAA	NASDAQ Global Select Market

From the cover page of the 10-K filed Mar 2, 2026 (Section 12(b) of the Exchange Act).¹⁷

Risk factors and legal proceedings

The risks PRA Group names in Item 1A of its 10-K filed Mar 2, 2026: 22 risks under these headings, as written.¹⁷

OPERATIONAL AND INDUSTRY RISKS
A deterioration in general business and economic conditions could adversely impact our business and financial results.
We may not be able to purchase a sufficient volume of nonperforming loans at favorable pricing, which could adversely impact our profitability.
We may not be able to collect sufficient amounts to recover our costs and fund our operations.
Our reliance on internally developed models and the underlying data used in those models could adversely affect our financial condition and results of operations if the models or data prove to be inaccurate or ineffective.
We outsource certain activities related to our business to third parties. Any disruption or failure of these third parties to provide their services, or an inability to contract alternative providers for such services, could adversely affect our business operations, financial condition and reputation.
We may not realize the expected benefits from our cash-generating and cost savings initiatives in our U.S. business, which could have an adverse impact on our business and financial results.
As we increase the use of our legal collections channel, deficiencies in the systems and processes we use to support this channel, adverse changes in the regulatory environment or an inability to obtain and collect on favorable court judgments could have an adverse impact on our business, financial condition and results of operations.
A cybersecurity incident could damage our reputation and adversely impact our business and financial results.
The underperformance or failure of our IT or telecommunication systems could result in a loss in productivity, loss of competitive advantage or business disruption.
Ongoing enhancements to key operational systems and processes require effective change management, and if not executed properly, our business operations could be adversely affected.
We may utilize AI and machine learning in our business. Challenges with effectively managing such technologies, or adequately safeguarding our systems from cyber threat actors, could result in reputational and competitive harm, legal liability and adversely affect our business, financial condition and results of operations.

The other 11 risks

Further impairment of goodwill may adversely impact our results of operations.
INTERNATIONAL OPERATIONS RISKS
Our international operations expose us to risks and uncertainties, which could harm our business, results of operations and financial condition.
Compliance with complex and evolving international and U.S. laws and regulations governing our international operations could increase our cost of doing business in international jurisdictions.
LEGAL AND REGULATORY RISKS
Our ability to collect and enforce our nonperforming loans may be limited under federal, state and international laws, regulations and policies.
Failure to comply with government regulation of the collections industry could result in penalties, fines, litigation, damage to our reputation or the suspension or termination of our ability to conduct our business.
Investigations, reviews or enforcement actions by governmental authorities, or our inability to effectively manage uncertainties related to the U.S. consumer financial regulatory environment, may result in changes to our business practices, negatively impact our nonperforming loan portfolio purchasing volume, make collection of nonperforming loans more difficult or expose us to the risk of fines, penalties, restitution payments or litigation.
The regulation of data privacy in the U.S. and globally, or an inability to effectively manage our data governance structures, could have an adverse effect on our business, results of operations and financial condition by increasing our compliance costs, exposing us to the risk of liability or decreasing our competitiveness.
FINANCIAL RISKS
We expect to continue to use leverage in executing our business strategy, which may have adverse consequences.
We may not generate sufficient cash flow or be able to complete alternative financing plans, including raising additional capital, to meet our debt service obligations.
The agreements governing our indebtedness include provisions that may restrict our financial and business operations.
Adverse changes in our credit ratings could increase our future borrowing costs and reduce our access to capital.

Legal proceedings

We and our subsidiaries are from time-to-time subject to a variety of legal and regulatory claims, inquiries and proceedings, most of which are incidental to the ordinary course of our business. We initiate lawsuits against customers and are occasionally countersued by them. Also, customers, either individually, as members of a class action, or through a governmental entity on behalf of customers, may initiate litigation against us in which they allege that we have violated a state or federal law in the process of collecting on an account. From time-to-time, other types of lawsuits are brought against us.

For additional information, refer to the "Litigation and Regulatory Matters" section of Note 15 to our Consolidated Financial Statements included in Item 8 of this Form 10-K.

The opening of Item 3, Legal Proceedings.¹⁷

Sources

The numbers on this page point here. Each one links to the record it came from.

1
WikidataPRA Group on Wikidata
2
SEC EDGARPRA Group filings on SEC EDGAR
3
WikipediaPRA Group on Wikipedia
4
GLEIFPRA Group LEI record (549300Q5HW3JSSB86K27)
5
Wikimedia CommonsPRA Group logo by PRA Group, Public domain
6
SEC EDGARPRA Group filings on SEC EDGAR
7
WikipediaPRA Group on Wikipedia (revision used)
8
SEC EDGARPRA Group annual report, Exhibit 21 (subsidiaries)
9
SEC EDGARPRA Group 10-K for fiscal 2025
10
SEC EDGARPRA Group 10-K for fiscal 2019
11
SEC EDGARPRA Group 10-K for fiscal 2022
12
SEC EDGARPRA Group 10-K for fiscal 2020
13
SEC EDGARPRA Group 10-K for fiscal 2021
14
SEC EDGARPRA Group 10-Q for fiscal 2026
15
SEC EDGARPRA Group 10-Q for fiscal 2026
16
SEC EDGARPRA Group 10-K for fiscal 2019
17
SEC EDGARPRA Group 10-K filed Mar 2, 2026: Item 2, Properties
18
SEC EDGARMartin Sjolund, Chief executive officer
19
SEC EDGARVikram A. Atal, Chief executive officer
20
SEC EDGARKevin P. Stevenson, Chief executive officer
21
SEC EDGARTikendra Patel, Chief executive officer
22
SEC EDGARGeir Olsen, Chief executive officer
23
SEC EDGARSteven D. Fredrickson, Chief executive officer
24
SEC EDGARMartin Sjolund, President
25
SEC EDGARKevin P. Stevenson, President
26
SEC EDGARMichael J. Petit, President
27
SEC EDGARRakesh Sehgal, Chief financial officer
28
SEC EDGARKevin P. Stevenson, Chief financial officer
29
SEC EDGARMartin Sjolund, Chief operating officer
30
SEC EDGARTikendra Patel, Chief operating officer
31
SEC EDGARSteven A. Macke, EVP, Global Operations Officer
32
SEC EDGARAndrew Berardi, SVP, Global Insolv Inv Serv
33
SEC EDGARJudith S. Scott, Corporate Secretary
34
SEC EDGARLaura White, Chief Compliance Officer
35
SEC EDGARMartin Sjolund, Dir Europe Strategy & Bus Dev
36
SEC EDGARNeal Stern, EVP of Operations
37
SEC EDGARMichael J. Petit, SVP Bankruptcy
38
SEC EDGARPeter Kent McCammon, SVP - Strategy and Development
39
SEC EDGARCraig A. Grube, Executive VP - Acquisitions
40
SEC EDGARAdrian M. Butler, Board member
41
SEC EDGARMartin Sjolund, Board member
42
SEC EDGARGlenn P. Marino, Board member
43
SEC EDGARSteven D. Fredrickson, Board member
44
SEC EDGARPeggy P. Turner, Board member
45
SEC EDGARBrett Lee Paschke, Board member
46
SEC EDGARLance L. Weaver, Board member
47
SEC EDGARKevin P. Stevenson, Board member
48
SEC EDGARGeir Olsen, Board member
49
SEC EDGARVikram A. Atal, Board member
50
SEC EDGARJames Nussle, Board member
51
SEC EDGARMarjorie M. Connelly, Board member
52
SEC EDGARJohn E. Fuller, Board member
53
SEC EDGARWilliam P. Brophey, Board member
54
SEC EDGARDavid N. Roberts, Board member
55
SEC EDGARScott M. Tabakin, Board member
56
SEC EDGARPenelope W. Kyle, Board member
57
SEC EDGARJames M. Voss, Board member
58
SEC EDGARLatisha Owens Tarrant, General counsel
59
SEC EDGARChristopher D. Lagow, General counsel
60
SEC EDGARJudith S. Scott, General counsel
61
SEC EDGAREntered a material agreement; New debt or obligation
62
SEC EDGAROther events
63
SEC EDGAROther events
64
SEC EDGARExecutive or director change
65
SEC EDGARResults of operations; Regulation FD disclosure; Other events
66
SEC EDGARExecutive or director change; Shareholder vote
67
SEC EDGARResults of operations; Regulation FD disclosure
68
SEC EDGAREntered a material agreement; New debt or obligation; Regulation FD disclosure
69
SEC EDGARResults of operations; Regulation FD disclosure
70
SEC EDGARResults of operations; Regulation FD disclosure
71
SEC EDGAREntered a material agreement; New debt or obligation
72
SEC EDGAROther events
73
NasdaqNasdaq calendar
74
SEC EDGARPRA Group 8-K, Item 2.02 (results of operations)
75
SEC EDGARPRA Group 8-K, Item 2.02 (results of operations)
76
SEC EDGARPRA Group 8-K, Item 2.02 (results of operations)
77
SEC EDGARPRA Group 8-K, Item 2.02 (results of operations)
78
SEC EDGART. Rowe Price Investment Management, Inc. SCHEDULE 13G/A on PRA Group
79
SEC EDGARGlobal Alpha Capital Management Ltd. SCHEDULE 13G/A on PRA Group
80
SEC EDGARBlackRock SCHEDULE 13G/A on PRA Group
81
SEC EDGARVANGUARD CAPITAL MANAGEMENT LLC SCHEDULE 13G on PRA Group
82
SEC EDGARVANGUARD GROUP INC SCHEDULE 13G/A on PRA Group
83
SEC EDGARTopline Capital Management, LLC SCHEDULE 13G/A on PRA Group
84
SEC EDGARDIMENSIONAL FUND ADVISORS LP SCHEDULE 13G/A on PRA Group
85
SEC EDGARWellington Management Company SCHEDULE 13G/A on PRA Group
86
SEC EDGAREngaged Capital LLC SC 13D/A on PRA Group
87
SEC EDGARPRICE T ROWE ASSOCIATES INC /MD/ SC 13G/A on PRA Group
88
SEC EDGARTurtle Creek Asset Management Inc. SC 13G/A on PRA Group
89
SEC EDGARPRA Group proxy statement (DEF 14A), 2025 pay

Overview

Financials

Key numbers, fiscal 2025

What sells

Business segments

Regions

Where the money goes

Where each dollar of revenue went, fiscal 2025

Financial statements

Corporate structure

What it owns

Property and equipment

Real estate and locations

Investments

Intangibles and goodwill

Properties, in its own words

The story

Leadership

Chief executive

Chair

President

Chief financial officer

Chief operating officer

Products and brands

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

Former names

Controversies and legal

Litigation and regulatory actions

Timeline

Calendar

Coming up

When it reported results

Filings

Insider trades

Major holders

Executive pay

Held by these funds

Members of Congress who traded it

SEC filer profile

Securities registered for trading

Risk factors and legal proceedings

Legal proceedings

Links

Sources