NORFOLK, Va., Jan. 30, 2026 /PRNewswire/ -- PRA Group, Inc. (Nasdaq: PRAA), a global leader in acquiring and collecting nonperforming loans, will open an Uptown Charlotte office in early February 2026. Located in One South, a landmark 40-story office tower at the intersection of Trade and Tryon, the new space marks a strategic expansion into one of the nation's fastest-growing financial markets. Charlotte will join London, United Kingdom; Oslo, Norway; Warsaw, Poland; and the company's global headquarters ...

分组1 - SB Financial Group, Inc. (SBFG) reported quarterly earnings of $0.65 per share, exceeding the Zacks Consensus Estimate of $0.64 per share, and up from $0.52 per share a year ago, representing an earnings surprise of +1.56% [1] - The company posted revenues of $16.42 million for the quarter ended December 2025, which missed the Zacks Consensus Estimate by 2.84%, compared to year-ago revenues of $15.45 million [2] - SB Financial Group has surpassed consensus EPS estimates four times over the last four quarters and topped consensus revenue estimates two times during the same period [2] 分组2 - The stock has underperformed the market, losing about 2.4% since the beginning of the year, while the S&P 500 has gained 1.9% [3] - The current consensus EPS estimate for the coming quarter is $0.57 on revenues of $16.6 million, and for the current fiscal year, it is $2.45 on revenues of $68.9 million [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 23% of over 250 Zacks industries, indicating a favorable outlook for the industry [8]

Table of Contents As filed with the U.S. Securities and Exchange Commission on January 5, 2026. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Jefferson Capital, Inc. (Exact name of registrant as specified in its charter) Delaware 6153 33-1923926 (State or other jurisdiction of (Primary Standard Industrial (I.R.S. Employer incorporation or organization) Classification Code Number) Identification N ...

分组1 - Momentum investing contrasts with the traditional "buy low and sell high" strategy, focusing instead on "buying high and selling higher" to capitalize on fast-moving stocks [1] - Identifying the right entry point for momentum stocks can be challenging, as they may lose momentum if future growth does not justify their high valuations [1] - The Zacks Momentum Style Score and the 'Fast-Paced Momentum at a Bargain' screen are useful tools for identifying attractive momentum stocks [2] 分组2 - PRA Group (PRAA) has shown a four-week price change of 10.4%, indicating strong recent price momentum and growing investor interest [3] - Over the past 12 weeks, PRAA has gained 5.8%, and its beta of 1.32 suggests it moves 32% more than the market, indicating fast-paced momentum [4] - PRAA has a Momentum Score of B, suggesting it is an opportune time to invest in the stock [5] 分组3 - PRAA has received a Zacks Rank 2 (Buy) due to upward revisions in earnings estimates, which typically attract more investors and drive prices higher [6] - The stock is currently trading at a Price-to-Sales ratio of 0.56, indicating it is reasonably valued at 56 cents for each dollar of sales [6] - PRAA is positioned for significant growth potential, supported by its favorable momentum characteristics and valuation [7]

Core Insights - Payre introduces an AI-driven platform that enables creditors to recover late payments without upfront costs, significantly improving the speed of recovery by ten times [1][2][4]. Company Overview - Payre, operating under Pay Atlas LLC, provides a platform for creditors to recover late payments globally, catering to freelancers, small businesses, and large enterprises [9]. - The platform utilizes AI technology combined with professional oversight from accountants and lawyers to ensure effective debt recovery [5][9]. Market Gap Addressed - The platform targets a critical issue where millions in outstanding payments remain uncollected due to the costs associated with traditional recovery methods being too high for smaller debts [2][3]. - According to Forbes, 51% of businesses experience late payments to suppliers, highlighting the widespread nature of this issue [2]. Recovery Process - Payre's recovery process includes AI-powered document submissions, instant generation of legal letters, and systematic pressure on debtors through compliant contact [6][7]. - The platform allows creditors to monitor communications and commitments in a centralized system, enhancing case management [7]. Financial Model - Payre operates on a success-fee model, charging a flat rate of 10% on every dollar repaid, aligning the company's interests with those of the creditors [7][9]. - The platform's approach makes it economically viable to pursue claims of any size, from as low as $50 to $50,000 [4][9].

Core Viewpoint - Jefferson Capital, Inc. has successfully completed the acquisition of a credit card asset portfolio from affiliates of Bluestem Brands for a net purchase price of $196.7 million, with estimated remaining collections of $311.4 million associated with the portfolio [1] Company Overview - Jefferson Capital, founded in 2002, specializes in the analytical purchasing and management of charged-off, insolvency, and active consumer accounts across the United States, Canada, the United Kingdom, and Latin America [2] - The company manages both secured and unsecured assets and serves a diverse client base, including Fortune 500 creditors, banks, fintech platforms, telecommunications providers, credit card issuers, and auto finance companies [2] - Jefferson Capital is headquartered in Minneapolis, Minnesota, with additional offices in Sartell, Minnesota; Denver, Colorado; San Antonio, Texas; Basingstoke, England; London, England; Paisley, Scotland; London, Ontario; Toronto, Ontario; and Bogota, Colombia [2]

Core Insights - PRA Group, Inc. (PRAA) is positioned for growth due to improved cash collection efficiency in the U.S. and increased portfolio income, leveraging its extensive infrastructure and relationships in the consumer debt market [1][3] Financial Performance - In Q3 2025, PRAA reported total cash collections of $542.2 million, marking a 13.7% year-over-year increase, driven by successful portfolio acquisitions and strong debtor recovery in the U.S. and Europe [3][10] - The adjusted cash efficiency ratio improved to 61.3% in the first nine months of 2025, up from 59% in the previous year [3] - The consensus estimate for PRAA's 2025 earnings per share is $1.45, reflecting an 8.2% increase over the past month, with a projected 55.2% rise for 2026 [5] - Revenue estimates for 2025 stand at $1.17 billion, indicating a 5.4% year-over-year increase, with expectations for a further 7.3% increase in 2026 [6][10] Strategic Focus - Total portfolio purchases in the last quarter were $255.5 million, indicating a strategic shift towards selective and value-oriented buying, with a target of $1.2 billion in total portfolio purchases for 2025 [4][10] - This disciplined approach aims to preserve long-term returns by avoiding overpayment for portfolios and focusing on non-performing loans that meet return thresholds [4] Market Position - PRA Group operates in the Americas, Australia, and Europe, with a market capitalization of nearly $667 million, and is currently rated as a Zacks Rank 2 (Buy) stock [2]

Industry Focus - Private equity and debt collectors are profiting significantly from home loans previously considered canceled [1] Investigative Journalism - Bloomberg Investigates explores the financial gains made by private equity and debt collectors [1]

Core Insights - PRA Group, Inc. is a global leader in acquiring and collecting nonperforming loans, with management scheduled to participate in several upcoming investor events [1][3]. Event Participation - The company will attend the Citizens Financial Services Conference on November 18, 2025, with President and CEO Martin Sjolund and CFO Rakesh Sehgal participating in 1x1 and small group meetings [1]. - On December 2, 2025, PRA Group will be present at the Bank of America Leveraged Finance Conference, featuring CFO Rakesh Sehgal and VP of Investor Relations Najim Mostamand in 1x1 meetings and a fireside chat [1]. - The Jefferies Specialty Finance Crossover Conference is scheduled for December 11, 2025, where Martin Sjolund, Rakesh Sehgal, and Najim Mostamand will engage in 1x1 and small group meetings [1]. - An invitation-only Arctic Securities Nordic Debt Collection Webinar will take place on January 9, 2026, with Martin Sjolund as the speaker [1]. Company Overview - PRA Group, Inc. focuses on returning capital to banks and creditors, aiding in the expansion of financial services for consumers across the Americas, Europe, and Australia [1]. - The company employs thousands globally and collaborates with customers to help resolve their debt [1].

Financial Performance Highlights - Portfolio purchases increased by 23% to $346 million[6] - Collections increased by 20% to $663 million[6, 15] - Estimated Remaining Collections (ERC) increased by 10% to $9.5 billion[6] - Earnings Per Share (EPS) increased by 152% to $3.17[6] - Average Receivable Portfolios increased by 16% to $4.2 billion[6] Market and Strategy - The company is allocating more capital to U S opportunities where returns are highest[13] - MCM (U S ) portfolio purchases in Q3 2025 were $261 million, up 13% compared to Q3 2024[26] - MCM (U S ) collections in Q3 2025 were $502 million, up 25% compared to Q3 2024[26] Liquidity and Debt - The company added $550 million of liquidity and has no significant maturities until 2028[36] - Available liquidity as of September 30, 2025, was $736 million, including $491 million available from the Revolving Credit Facility, $97 million from the U S Facility, and $148 million in cash[39] Updated Guidance - The company maintains its guidance for portfolio purchases to exceed $1 35 billion[44] - The company updated its guidance for collections to +18% to $2 55 billion[44]