1 PRA Q4 2021 CONFERENCE CALL PRESENTATION 2 Statements in this presentation, other than statements of historical fact, are forward-looking statements, which are based on our current beliefs, projections, assumptions and expectations concerning future operations and financial performance. Such statements involve uncertainties and risks, some of which are not currently known to us, and may be superseded by future events that could cause actual results to differ materially from those expressed or implied in t ...

PRA Group, Inc. (NASDAQ:PRAA) Q4 2021 Earnings Conference Call February 28, 2022 5:00 PM ET Company Participants Lauren Partin - Vice President of Global Financial Planning and Analysis Kevin Stevenson - President and Chief Executive Officer Peter Graham - Executive Vice President and Chief Financial Officer Conference Call Participants Robert Napoli - William Blair David Scharf - JMP Securities Mark Hughes - Truist Securities Robert Dodd - Raymond James Operator Good afternoon, and welcome to the PRA Gro ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2021 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from ________ to ________ Commission File Number: 000-50058 PRA Group, Inc. (Exact name of registrant as specified in its charter) Delaware 75-3078675 (State or other jurisdiction of ...

PRA Group, Inc. (NASDAQ:PRAA) Q3 2021 Earnings Conference Call November 8, 2021 5:00 PM ET Company Participants Lauren Partin - Vice President of Global Financial Planning and Analysis Kevin Stevenson - President and Chief Executive Officer Peter Graham - Executive Vice President and Chief Financial Officer Conference Call Participants Robert Napoli - William Blair & Company LLC Mark Hughes - Truist Securities, Inc. Robert Dodd - Raymond James & Associates, Inc. Operator Good afternoon, and welcome to the P ...

1 PRA Q3 2021 CONFERENCE CALL PRESENTATION 2 Statements in this presentation, other than statements of historical fact, are forward-looking statements, which are based on our current beliefs, projections, assumptions and expectations concerning future operations and financial performance. Such statements involve uncertainties and risks, some of which are not currently known to us, and may be superseded by future events that could cause actual results to differ materially from those expressed or implied in t ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2021 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from ________ to ________ Commission File Number: 000-50058 PRA Group, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporat ...

1 PRA Q2 2021 CONFERENCE CALL PRESENTATION 2 Statements in this presentation, other than statements of historical fact, are forward-looking statements, which are based on our current beliefs, projections, assumptions and expectations concerning future operations and financial performance. Such statements involve uncertainties and risks, some of which are not currently known to us, and may be superseded by future events that could cause actual results to differ materially from those expressed or implied in t ...

Pra Group, Inc. (NASDAQ:PRAA) Q2 2021 Earnings Conference Call August 5, 2021 5:00 PM ET Company Participants Darby Schoenfeld – Vice President-Investor Relations Kevin Stevenson – President and Chief Executive Officer Pete Graham – Executive Vice President and Chief Financial Officer Conference Call Participants Bob Napoli – William Blair Mark Hughes – Truist Robert Dodd – Raymond James Operator Good afternoon, and welcome to the PRA Group Conference Call. [Operator Instructions] Please note, this event is ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2021 ☐ Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from ________ to ________ Commission File Number: 000-50058 PRA Group, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation o ...

Financial Performance - Global cash collections reached a record of $556 million in Q1 2021[4] - Net income attributable to PRA Group was $58 million in Q1 2021[4], a 205% increase compared to $19 million in Q1 2020[12] - Total revenues increased by 15% from $252 million in Q1 2020 to $289 million in Q1 2021[11] - Operating expenses decreased by 7% from $191 million in Q1 2020 to $179 million in Q1 2021[13] - Diluted earnings per share increased by 202% from $0.42 in Q1 2020 to $1.27 in Q1 2021[14] Portfolio and Market - Portfolio purchases totaled $159 million in Q1 2021[4,7], including the first Australian portfolio[7] - Estimated remaining collections (ERC) are $6.1 billion[4] - Americas and Australia Core cash collections were $348 million, while Europe Core cash collections were $149 million in Q1 2021[15] Efficiency and Leverage - The cash efficiency ratio for Q1 2021 was 68%[16] - Total borrowings were $2501 million as of March 31, 2021[22], with a debt to adjusted EBITDA ratio of 1.77x[22] - $1.2 billion is available for portfolio acquisitions[23]