James Richard Owen 4

What Happened

• James Richard Owen, President — PRA Group Europe, was granted a total of 37,054 restricted stock units (RSUs) on 2026-03-09 (three awards: 30,303; 1,242; 5,509) at an acquisition price of $0.00 per share. To satisfy tax withholding obligations on vesting, 9,282 shares were withheld/disposed at $18.15 per share, resulting in $168,469 withheld (reported as dispositions to cover tax liability).
• This is primarily an award/grant transaction (acquisitions of RSUs) combined with routine tax-withholding dispositions — not an open-market sale or purchase.

Key Details

• Transaction date: March 9, 2026; Form 4 filed March 11, 2026 (appears timely).
• Grants: 30,303 + 1,242 + 5,509 = 37,054 RSUs granted; acquisition price $0.00.
• Withheld/disposed for taxes: 584, 426, 2,476, 1,857, and 3,939 shares (total 9,282) at $18.15 each; total value withheld = $168,469.
• Shares owned after the transactions: not specified in the provided filing details.
• Footnotes: grants include time‑based RSUs (vest ratably over 3 years beginning on the grant anniversary), performance-based shares earned under the 2023–2025 LTIP, and a one‑time retention RSU award that vests over 2 years beginning March 9, 2027. Footnotes F4/F5 note the share withholding was to cover tax liabilities on vested awards.

Context

• These transactions represent awards vesting and routine tax withholding (code F). Withholding of shares to cover taxes is an administrative action and should not be read as an open-market sale indicating sentiment.
• For retail investors: grants and vested performance shares increase insider exposure over time as awards vest; routine withholding reduces the net shares received but is common practice.