PRA Group Inc 2026年季度报告

Washington, D.C. 20549 FORM 10-Q ☒Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934For the quarterly period ended March 31, 2026☐Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934For the transition period from ________ to ________Commission File Number: 000-50058 PRA Group, Inc.(Exact name of registrant as specified in its charter) Delaware(State or other jurisdiction of incorporation ororganization) 75-3078675 (I.R.S. Employer Identification No.) 120 Corporate BoulevardNorfolk,Virginia 23502(Address of principal executive offices) (888) 772-7326 (Registrant's Telephone No., including area code) Not Applicable (Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),and (2)has been subject to such filing requirements for the past 90 days. YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule405 of Regulation S-Tduring the preceding 12months (or for such shorter period that the registrant was required tosubmit such files). YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smallerreporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. Large accelerated filerAccelerated filerNon-accelerated filerSmaller reporting company☐Emerging growthcompany☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No The number of shares of the registrant's common stock outstanding as of May1, 2026 was 38,140,888. PRA Group, Inc.Form 10-Q for the Quarterly Period Ended March 31, 2026TABLE OF CONTENTS PARTI. FINANCIAL INFORMATION Item1.Financial StatementsConsolidated Balance SheetsConsolidated Income StatementsConsolidated Statements of Comprehensive IncomeConsolidated Statements of Changes in EquityConsolidated Statements of Cash FlowsNotes to Consolidated Financial StatementsNote 1. Organization and BusinessNote 2. Finance Receivables, netNote 3. InvestmentsNote 4. GoodwillNote 5. BorrowingsNote 6. DerivativesNote 7. Fair ValueNote 8. Accumulated Other Comprehensive LossNote 9. Stockholders' EquityNote 10. Earnings per ShareNote 11. Income TaxesNote 12. Commitments and ContingenciesNote 13. Business SegmentsNote 14. Recently Issued Accounting StandardsNote 15. Subsequent EventItem2.Management's Discussion and Analysis of Financial Condition and Results of OperationsItem3.Quantitative and Qualitative Disclosures About Market RiskItem4.Controls and Procedures PARTII. OTHER INFORMATION Item1.Legal ProceedingsItem1A.Risk FactorsItem2.Unregistered Sales of Equity Securities and Use of ProceedsItem3.Defaults Upon Senior SecuritiesItem4.Mine Safety DisclosuresItem5.Other InformationItem6.Exhibits Signatures PRA Group, Inc.Consolidated Balance SheetsMarch 31, 2026 and December31, 2025(in thousands) PRA Group, Inc.Consolidated Income StatementsFor the Three Months Ended March 31, 2026 and 2025(in thousands, except per share amounts)(unaudited) PRA Group, Inc.Consolidated Statements of Comprehensive IncomeFor the Three Months Ended March 31, 2026 and 2025(in thousands)(unaudited) PRA Group, Inc.Consolidated Statements of Changes in EquityFor the Three Months Ended March 31, 2026 and 2025(in thousands)(unaudited) PRA Group, Inc.Consolidated Statements of Cash FlowsFor the Three Months Ended March 31, 2026 and 2025(in thousands)(unaudited) PRA Group, Inc.Notes to Consolidated Financial Statements(Unaudited) Note 1. Organization and Business As used herein, the terms "PRA Group," the "Company," or similar terms refer to PRA Group, Inc. and its subsidiaries. Nature of operations PRA Group, Inc. is a specialty finance company headquartered in Norfolk, Virginia and incorporated in Delaware. TheCompany's primary business is the purchase, collection and management of nonperforming loan portfolios. Most of the Company'spurchases are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed tothem ("Core" accounts). To a lesser extent, it also purchases loans in situations where the c