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PRA Group Inc Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 10 Nov 2025.
PRA Group Inc: what insiders have been doing
PRA Group Inc, founded in 1996, is a Finance & Banking company based in Norfolk, United States. Its directors and officers file their transactions with SEC (Form 4). In the past year (18 October 2025 to 18 October 2026), 15 filings came from 9 insiders.
Only purchases show up on the open market, 1 purchase in all worth €185k, filed by 1 insider. Open-market purchases are the filings investors watch most closely, because the insider pays for the shares out of pocket. One trade stands out by size: a purchase of €185k from Olsen Geir, disclosed on 10 November 2025. On the buying side, the filings list 1 senior executive among the declarants.
The latest purchase dates back some time: it was published 342 days ago, on 10 November 2025. Between a trade and the moment it shows up on SEC (Form 4), the median delay is 2 days. Section 16 rules allow two business days to file each Form 4.
For context, the typical company on the same exchange (median of 5,814 companies) published 19 filings over the same period, against 15 filings here. Looking back to 2016, when coverage begins, insiders filed 9 purchases and 35 sales. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists revenue at 1.20 bn USD and net income at -305.1 m USD.
Other companies in the same sector with recent insider buying flagged by our signals: First Guaranty Bancshares, Inc. and BCB Bancorp Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
214
Thresholds
n/a
Buy Volume
€2M
9 ops. · all time
Sell Volume
€6M
35 ops. · all time
Who traded when
BuySaleGeir Olsen3 buys
Brett Lee Paschke2 buys
Since the insiders bought
- -29.8%Entry US$16.00 · Close at T+90 US$11.23
- +15.3%Entry US$14.86 · Close at T+365 US$17.14
- +19.7%Entry US$19.48 · Close at T+365 US$23.32
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 21,764 of 24,148 companies
22.1
score / 100
Value10
Quality34
FCF yld-12%
Earn yld-42%
EV/EBITDA·
ROE-20%
Gross mgn63%
Net mgn-25%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$20.47
Analyst consensus
1 analysts2.33/5
US$26.00Target US$26.00(+27%)US$26.00
Income statement
RevenueUS$1.2B
Gross profitUS$766.5M63% margin
EBITDA-US$127.7M-11% margin
Net income-US$305.1M-19.9% margin
Valuation
PER (forward)7.9x
P/Book0.7x
Beta1.13
Balance sheet & cash
Market capUS$770.7M
Total debtUS$3.7B
Free Cash Flow-US$90.4M
Debt / Equity341%
Profitability & ownership
ROE-20.2%
ROA5.6%
% insiders2.3%
% institutions96.0%
Last declaration on 17 September 2026
Declarations214 total
1,514 shares@ US$19.390.0038% mcap18.7% of flowCommon StockSEC:0001994121-26-000004:0
5,370 shares0Common StockSEC:0001234561-26-000005:0
5,371 shares0Common StockSEC:0001234561-26-000005:1
3,342 shares@ US$20.600.0090% mcap31.9% of flowCommon StockSEC:0001968215-26-000004:0
1,844 shares@ US$20.600.0049% mcap34.2% of flowCommon StockSEC:0001976894-26-000008:0
10,543 sharesCommon StockSEC:0002028095-26-000002:0
3,223 sharesCommon StockSEC:0002028095-26-000002:1
10,543 sharesCommon StockSEC:0001777079-26-000002:0
10,543 sharesCommon StockSEC:0001587072-26-000002:0
30,303 shares0Common StockSEC:0001994121-26-000002:0
30,303 shares0Common StockSEC:0001968215-26-000002:0
101,928 shares0Common StockSEC:0001658052-26-000002:0
30,303 shares0Common StockSEC:0001976894-26-000004:0
244 shares@ US$16.331.8% of flowCommon StockSEC:0001968215-25-000007:0
15,000 shares@ US$14.1527.8% of flowCommon StockSEC:0001623675-25-000011:0
Canonical exit: 4 Feb 2026 (T+90)
1,514 shares@ US$16.8215.9% of flowCommon StockSEC:0001994121-25-000007:0
3,342 shares@ US$16.5125.3% of flowCommon StockSEC:0001968215-25-000004:0
1,844 shares@ US$16.5127.2% of flowCommon StockSEC:0001976894-25-000006:0
10,741 shares0Common StockSEC:0001816382-25-000008:0
10,741 shares0Common StockSEC:0001777079-25-000006:0
62,370 shares0Common StockSEC:0001658052-25-000004:0
10,741 shares0Common StockSEC:0001587072-25-000003:0
10,741 shares0Common StockSEC:0001224877-25-000002:0
6,930 shares0Common StockSEC:0001976894-25-000004:0
10,741 shares0Common StockSEC:0001867300-25-000004:0
25 of 214 declarations
About PRA Group Inc
PRA Group Inc. (ticker: PRAA) is a U.S.-listed company traded on the NASDAQ exchange in the United States, and it operates in the specialty financial services niche of purchasing and collecting nonperforming loan portfolios. Headquartered in Norfolk, Virginia, PRA Group describes itself as one of the world’s largest acquirers of nonperforming loans, with operations spanning 18 countries, 12 languages, and 12 currencies. The company was founded in 1996 as Portfolio Recovery Associates, went public in 2002, and rebranded to PRA Group in 2014, reflecting its evolution from a domestic collections business into a global credit asset manager. ([pragroup.com](https://www.pragroup.com/))
Its core business model is straightforward but capital intensive: PRA Group buys delinquent or charged-off consumer loan portfolios at a discount, then works to recover cash over time through internal collection capabilities, negotiated repayment arrangements, and data-driven portfolio management. The company’s exposure is primarily to consumer receivables, especially credit card debt, although it also has ancillary fee-based services and related recovery activities. In competitive terms, PRA Group sits in a highly specialized segment of financial services where scale, legal expertise, local market knowledge, and underwriting discipline are crucial. That combination gives it a differentiated position versus smaller regional collectors and creates barriers to entry for less experienced competitors. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1185348/000118534826000006/praa-20251231.htm))
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Geographically, PRA Group has a meaningful international footprint. While the United States remains an important base of operations, the company also runs substantial activities in Europe and Australia, allowing it to diversify sourcing, collection channels, and regulatory exposure. This geographic spread matters because collections are highly dependent on local insolvency regimes, consumer behavior, and debt resolution practices. Recent corporate developments have reinforced a strategic focus on operating efficiency and balance-sheet discipline. In 2025, the board appointed Martin Sjolund, previously President of PRA Group Europe, as President and CEO effective June 17, 2025. In early 2026, the company announced a new Uptown Charlotte office, and it continued public-facing financial inclusion work in the UK with StepChange Debt Charity. From an operating perspective, the company reported 2025 portfolio purchases of $1.2 billion and Q1 2025 purchases of $291.7 million, indicating continued deployment into nonperforming loan assets. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1185348/000118534825000014/praa-20250617.htm?utm_source=openai))
For investors, PRA Group is best understood as a cyclical but strategically positioned credit-recovery platform: it is sensitive to funding costs, consumer credit stress, regulation, and collection performance, yet it benefits from recurring portfolio acquisition opportunities and a broad international operating base. ([pragroup.com](https://www.pragroup.com/))
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