PRA Group Inc.

of $42 Million Includes Approximately $30 million After-tax Gain from Previously Announced Sale of RCB Equity Interest in Brazil $10 Million of Shares Repurchased 16% Adjusted EBITDA Growth Outpaces 13% Cash Collections Growth Strong European Performance with Continued Focus on Transforming U.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

Interest expense, net in Q2 2025 increased 12.6% to $62.4 million, compared to $55.4 million in Q2 2024, primarily reflecting higher debt balances to support portfolio investments.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

Credit Availability Total availability under the Company's credit facilities as of June 30, 2025 was $840.7 million, comprised of $521.6 million based on current ERC and subject to debt covenants, and $319.1 million of additional availability subject to borrowing base and debt covenants, including advance rates.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

companies collaborate with customers to help them resolve their debt.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

(2) Term loan under t he Company's North American credit agreement with a maturity date of October 28, 2029.

SEC original ↗PRA Group Inc. — 10-Q Quarterly report10-QAug 7, 2026

(3) Revolving credit facility with a limit of $ 725.0 million (subject to the borrowing base and debt covenants, including advance rates), maturing on October 30, 2029.

SEC original ↗PRA Group Inc. — 10-Q Quarterly report10-QAug 7, 2026

of $42 Million Includes Approximately $30 million After-tax Gain from Previously Announced Sale of RCB Equity Interest in Brazil $10 Million of Shares Repurchased 16% Adjusted EBITDA Growth Outpaces 13% Cash Collections Growth Strong European Performance with Continued Focus on Transforming U.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

We had another period of robust portfolio investments at attractive purchase price multiples, record ERC, and improved portfolio income as we continue to focus on high-return opportunities.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

business across our three strategic pillars optimizing investments, operational execution, and managing expenses.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

The amount and timing of any share repurchases under the new share repurchase program also depend on several other factors, including the Company's capital allocation priorities; financial performance; leverage and liquidity levels; the price of the Company's common stock; and market conditions.

SEC original ↗PRA Group Inc. — 10-Q Quarterly report10-QAug 7, 2026

Statements other than statements of historical fact are forward-looking statements, including statements regarding cash collection trends, operating cost trends, liquidity and capital needs and other statements of expectations, beliefs, future plans, strategies and anticipated events or trends.

SEC original ↗PRA Group Inc. — 10-Q Quarterly report10-QAug 7, 2026

Forward-looking statements involve risks and uncertainties, some of which are not currently known to PRA Group, Inc.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

's business, including risks and uncertainties that may affect future results.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

Due to such uncertainties and risks, you are cautioned not to place undue reliance on such forward-looking statements, which speak only as of today.

SEC original ↗PRA Group Inc. — Earnings release (8-K exhibit)EX-99Aug 4, 2025

Legal Proceedings 42 Item 1A.

SEC original ↗PRA Group Inc. — 10-Q Quarterly report10-QAug 7, 2026

15 Due to the inherent uncertainty of determining the fair value of Level 3 financial instruments, the fair value of these instruments may differ significantly from the values that would have been used had a ready market or observable inputs existed for such instruments and may differ materially from the values that may ultimately be received or settled.

SEC original ↗PRA Group Inc. — 10-Q Quarterly report10-QAug 7, 2026

Litigation and regulatory matters The Company and its subsidiaries are from time-to-time subject to a variety of legal and regulatory claims, inquiries, proceedings, and other matters, including those described in Note 15 to the Consolidated Financial Statements in the 2025 Form 10-K.

SEC original ↗PRA Group Inc. — 10-Q Quarterly report10-QAug 7, 2026