Results of Operations and Financial Condition. On November 5, 2026, PRA Group, Inc. (the “Company”) issued a press release announcing its third quarter 2026 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

Entry into a Material Definitive Agreement. On October 2, 2026, PRA Group, Inc. (the “Company”) completed its previously announced offering of $400 million aggregate principal amount of 8.500% Senior Notes due 2033 (the “Notes”) in a private transaction that was exempt from the registration requirements of the Securities Act of 1933, as amended. The Notes were issued pursuant to an Indenture, dated October 2, 2026 (the “Indenture”), among the Company, the Guarantors (as defined below) and Reg…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under

Other Information. On September 29, 2026, the Company issued a press release announcing its intent, subject to market and other conditions, to offer $400.0 million aggregate principal amount of senior notes due 2033 in a private transaction that is exempt from the registration requirements of the Securities Act of 1933, as amended. A copy of the press release is filed as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated in this

Other Events. On September 29, 2026, PRA Group, Inc. issued a press release announcing that it priced an offering of $400.0 million aggregate principal amount of 8.500% senior notes due 2033 in a private transaction that is exempt from the registration requirements of the Securities Act of 1933, as amended. A copy of the press release is filed as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated in this

President — Owen James: The President of a major regional division is retiring with a planned transition period, which is an orderly succession rather than a sudden loss.

Other Events. On August 3, 2026, the Board of Directors of the Company (the “Board of Directors”) approved a new share repurchase program under which the Company is authorized to repurchase up to $150 million of its outstanding common stock (the “Repurchase Program”). Repurchases may be made from time-to-time in open market transactions, through privately negotiated transactions, in block transactions, through purchases made in accordance with trading plans adopted under Rule 10b5-1 of the Ex…

Results of Operations and Financial Condition. On August 6, 2026, PRA Group, Inc. (the “Company”) issued a press release announcing its second quarter 2026 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

The filing describes an equity plan amendment, not a management change.

Results of Operations and Financial Condition. On May 7, 2026, PRA Group, Inc. (the “Company”) issued a press release announcing its first quarter 2026 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under

Entry into a Material Definitive Agreement. European Credit Agreement On April 30, 2026, PRA Group Europe Holding S.à r.l. ("PRA Group Europe Holding"), a wholly-owned subsidiary of PRA Group, Inc. (the “Company”), and its Swiss Branch, PRA Group Europe Holding S.à r.l. ("PRA Group Holding"), Luxembourg, Zug Branch, (together, the "Borrowers"), entered into the Second Amended and Restated Credit Agreement (the "Second A&R European Credit Agreement") with the lenders party thereto ("EU Lenders…

Regulation FD Disclosure. On May 5, 2026, the Company issued a press release announcing its entry into the Second A&R European Credit Agreement. A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and incorporated by reference.

Results of Operations and Financial Condition. On February 26, 2026, PRA Group, Inc. (the “Company”) issued a press release announcing its fourth quarter and full year 2025 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

Results of Operations and Financial Condition. On November 3, 2025, PRA Group, Inc. (the “Company”) issued a press release announcing its third quarter 2025 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

Entry into a Material Definitive Agreement On September 30, 2025, PRA Group Europe Holding II S.à r.l., a private limited liability company ( société à responsabilité limitée ) incorporated and existing under the laws of the Grand Duchy of Luxembourg (the “Issuer”) and a wholly-owned subsidiary of PRA Group, Inc. (the “Company”), completed its previously announced offering of €300 million aggregate principal amount of 6.250% Senior Notes due 2032 (the “Notes”) in a private transaction that wa…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant The information set forth under

Other Events. On September 24, 2025, PRA Group, Inc. issued a press release announcing that its wholly-owned subsidiary, PRA Group Europe Holding II S.à r.l., a private limited liability company (société à responsabilité limitée) incorporated and existing under the laws of the Grand Duchy of Luxembourg, priced an offering of €300 million aggregate principal amount of 6.250% senior notes due 2032 in a private transaction that is exempt from the registration requirements of the Securities Act o…

Other Information. On September 22, 2025, the Company issued a press release announcing that its wholly-owned subsidiary, PRA Group Europe Holding II S.à r.l., a private limited liability company (société à responsabilité limitée) incorporated and existing under the laws of the Grand Duchy of Luxembourg, intends, subject to market conditions, to offer €300 million aggregate principal amount of senior notes due 2032 in a private transaction that is exempt from the registration requirements of…

Results of Operations and Financial Condition. On August 4, 2025, PRA Group, Inc. (the “Company”) issued a press release announcing its second quarter 2025 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

President — R. Owen James: The filing discloses the internal promotion of R. Owen James to President of PRA Group Europe and the appointment of Martin Sjolund as CEO, both of which are succession or advancement events rather than departures.

Results of Operations and Financial Condition. On May 5, 2025, PRA Group, Inc. (the “Company”) issued a press release announcing its first quarter 2025 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

CEO — Vikram A. Atal: The CEO is retiring with a named internal successor (Martin Sjolund) already appointed, indicating an orderly succession rather than a sudden loss of leadership.

Results of Operations and Financial Condition. On February 19, 2025, PRA Group, Inc. (the “Company”) issued a press release announcing its fourth quarter and full year 2024 results. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K and is incorporated into this

Director — Adrian M. Butler: The filing discloses the routine election of a new independent director and the approval of a standard severance plan for existing executives, with no departures or leadership changes.