Symbols / PRAA Stock $21.15 +1.98% PRA Group, Inc.

Financial Services • Credit Services • United States • NMS
PRAA (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Martin Sjolund
Exch · Country NMS · United States
Market Cap 825.18M
Enterprise Value 4.51B
Income -305.14M
Sales 1.20B
FCF (ttm) -515.10M
Book/sh 25.48
Cash/sh 2.77
Employees 2,615
Insider 10d
IPO Nov 08, 2002
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E
Forward P/E 7.13
PEG 5.82
P/S 0.69
P/B 0.83
P/C
EV/EBITDA 11.47
EV/Sales 3.75
Quick Ratio 16.73
Current Ratio 16.97
Debt/Eq 359.61
LT Debt/Eq
EPS (ttm) -7.79
EPS next Y 2.96
EPS Growth 211.30%
Revenue Growth 13.70%
EPS Gr Q/Q 206.30%
Rev Gr Q/Q
Earnings (next) 2026-05-07
Earnings (prior) 2026-02-26
ROA 4.78%
ROE -25.96%
ROIC
Gross Margin 100.00%
Oper. Margin 38.09%
Profit Margin -25.39%
Shs Outstand 38.45M
Shs Float 34.62M
Insider Own 2.39%
Instit Own 99.46%
Short Float 3.41%
Short Ratio 2.72
Short Interest 919.94K
52W High 21.72
vs 52W High -2.62%
52W Low 10.25
vs 52W Low 106.34%
Beta 1.14
Impl. Vol. 37.02%
Rel Volume 0.47
Avg Volume 534.45K
Volume 249.21K
Target (mean) $26.00
Tgt Median $26.00
Tgt Low $26.00
Tgt High $26.00
# Analysts 1
Recom Buy
Prev Close $20.74
Price $21.15
Change 1.98%
About

PRA Group, Inc., a financial services company, engages in the purchase, collection, and management of nonperforming loan portfolios in the United States, Europe, the United Kingdom, South America, Canada, and Australia. The company purchases loans from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed. It also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding; and purchase and provide fee-based services for class action claims recoveries. In addition, the company is involved in core and insolvency nonperforming loans include general purpose and private label credit cards, consumer loans, auto loans, overdrafts and small business loans. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$21.15
Low
$26.00
High
$26.00
Mean
$26.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-28 down Citizens Market Outperform → Market Perform
2025-11-04 main Truist Securities Buy → Buy $26
2025-08-05 main JMP Securities Market Outperform → Market Outperform $24
2025-05-06 main JMP Securities Market Outperform → Market Outperform $23
2024-11-05 main Truist Securities Buy → Buy $31
2024-08-20 main Truist Securities Buy → Buy $28
2024-05-07 reit JMP Securities Market Outperform → Market Outperform $33
2024-02-16 main JMP Securities Market Outperform → Market Outperform $33
2023-06-08 main JMP Securities — → Market Outperform $33
2023-05-11 reit JMP Securities Outperform → Outperform $42
2023-05-09 main Truist Securities — → Buy $42
2023-05-09 main JMP Securities — → Outperform $42
2023-03-29 reit JMP Securities — → Market Outperform $50
2023-03-10 reit JMP Securities — → Market Outperform $50
2023-03-01 main JMP Securities — → Market Outperform $50
2023-01-13 main JMP Securities — → Market Outperform $42
2022-10-07 main JMP Securities — → Market Outperform $47
2022-05-16 main JMP Securities — → Market Outperform $52
2022-03-01 main JMP Securities — → Market Outperform $56
2021-11-09 main JMP Securities — → Market Outperform $60
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-09 SJOLUND MARTIN Chief Executive Officer 106,901 $0.00 $0
2026-03-09 TARRANT LATISHA OWENS General Counsel 37,470 $0.00 $0
2026-03-09 JAMES RICHARD OWEN Officer 37,054 $0.00 $0
2026-03-09 SEHGAL RAKESH Chief Financial Officer 37,193 $0.00 $0
2025-11-06 OLSEN GEIR L Director 15,000 $14.15 $212,250
2025-06-17 TABAKIN SCOTT M Director 10,741 $0.00 $0
2025-06-17 WEAVER LANCE L Director 10,741 $0.00 $0
2025-06-17 GADHIA JAYNE-ANNE Director 10,741 $0.00 $0
2025-06-17 CONNELLY MARJORIE MARY Director 10,741 $0.00 $0
2025-06-17 OLSEN GEIR L Director 10,741 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,213.34
+7.97%
1,123.83
+40.03%
802.55
-16.96%
966.52
Operating Revenue
1,024.78
+18.27%
866.49
+14.44%
757.13
-1.97%
772.32
Cost Of Revenue
446.87
+1.99%
438.17
-6.87%
470.50
+13.04%
416.21
Reconciled Cost Of Revenue
446.87
+1.99%
438.17
-6.87%
470.50
+13.04%
416.21
Gross Profit
766.47
+11.79%
685.65
+106.49%
332.05
-39.66%
550.31
Operating Expense
522.83
+9.86%
475.89
+15.15%
413.28
+4.58%
395.19
Selling General And Administration
361.58
+11.26%
324.99
+21.46%
267.57
+0.83%
265.36
General And Administrative Expense
361.58
+11.26%
324.99
+21.46%
267.57
+0.83%
265.36
Other Gand A
347.06
+12.66%
308.06
+23.10%
250.25
+1.41%
246.77
Other Operating Expenses
150.82
+7.64%
140.11
+10.24%
127.10
+10.92%
114.59
Total Expenses
969.71
+6.09%
914.06
+3.43%
883.79
+8.92%
811.40
Operating Income
243.63
+16.15%
209.76
+358.23%
-81.23
-152.37%
155.12
Total Operating Income As Reported
-30.27
-108.91%
339.73
+238.07%
100.49
-64.84%
285.80
EBITDA
-127.65
-161.04%
209.13
+433.98%
-62.62
-136.75%
170.37
Normalized EBITDA
284.21
+35.89%
209.14
+432.46%
-62.91
-137.14%
169.38
Reconciled Depreciation
10.44
-3.27%
10.79
-42.03%
18.61
+22.12%
15.24
EBIT
-138.09
-169.62%
198.34
+344.16%
-81.23
-152.37%
155.12
Total Unusual Items
-411.86
-4576077.78%
-0.01
-103.11%
0.29
-70.66%
0.98
Total Unusual Items Excluding Goodwill
-411.86
-4576077.78%
-0.01
-103.11%
0.29
-70.66%
0.98
Impairment Of Capital Assets
412.61
0.00
0.00
0.00
Net Income
-305.14
-532.21%
70.60
+184.58%
-83.48
-171.26%
117.15
Pretax Income
-243.24
-321.92%
109.61
+232.23%
-82.89
-153.55%
154.78
Net Non Operating Interest Income Expense
-113.08
-13.88%
-99.30
-18.24%
-83.98
-35.90%
-61.80
Interest Expense Non Operating
105.15
+18.50%
88.73
+18.69%
74.76
+44.60%
51.70
Net Interest Income
-113.08
-13.88%
-99.30
-18.24%
-83.98
-35.90%
-61.80
Interest Expense
105.15
+18.50%
88.73
+18.69%
74.76
+44.60%
51.70
Interest Income Non Operating
2.23
Interest Income
2.23
Other Income Expense
-373.79
-43363.84%
-0.86
+48.04%
-1.66
-386.76%
-0.34
Other Non Operating Income Expenses
-0.34
+60.52%
-0.85
+56.22%
-1.94
-46.72%
-1.32
Gain On Sale Of Security
0.76
+8488.89%
-0.01
-103.11%
0.29
-70.66%
0.98
Tax Provision
46.73
+122.21%
21.03
+230.37%
-16.13
-143.86%
36.79
Tax Rate For Calcs
0.00
+9.44%
0.00
-1.60%
0.00
-18.07%
0.00
Tax Effect Of Unusual Items
-86.49
-5007988.28%
-0.00
-103.06%
0.06
-75.96%
0.23
Net Income Including Noncontrolling Interests
-289.97
-427.38%
88.57
+232.69%
-66.75
-156.57%
118.00
Net Income From Continuing Operation Net Minority Interest
-305.14
-532.21%
70.60
+184.58%
-83.48
-171.26%
117.15
Net Income From Continuing And Discontinued Operation
-305.14
-532.21%
70.60
+184.58%
-83.48
-171.26%
117.15
Net Income Continuous Operations
-289.97
-427.38%
88.57
+232.69%
-66.75
-156.57%
118.00
Minority Interests
-15.17
+15.60%
-17.97
-7.47%
-16.72
-1865.10%
-0.85
Normalized Income
20.22
-71.36%
70.61
+184.35%
-83.71
-171.92%
116.40
Net Income Common Stockholders
-305.14
-532.21%
70.60
+184.58%
-83.48
-171.26%
117.15
Diluted EPS
-7.79
-535.20%
1.79
+184.04%
-2.13
-172.45%
2.94
Basic EPS
-7.79
-535.20%
1.79
+184.04%
-2.13
-171.96%
2.96
Basic Average Shares
39.17
-0.53%
39.38
+0.52%
39.18
-1.16%
39.64
Diluted Average Shares
39.17
-0.93%
39.54
+0.93%
39.18
-1.78%
39.89
Diluted NI Availto Com Stockholders
-305.14
-532.21%
70.60
+184.58%
-83.48
-171.26%
117.15
Depreciation Amortization Depletion Income Statement
10.44
-3.27%
10.79
-42.03%
18.61
+22.12%
15.24
Depreciation And Amortization In Income Statement
10.44
-3.27%
10.79
-42.03%
18.61
+22.12%
15.24
Earnings From Equity Interest
38.40
0.00
0.00
Rent And Landing Fees
14.52
-14.25%
16.93
-2.25%
17.32
-6.83%
18.59
Rent Expense Supplemental
14.52
-14.25%
16.93
-2.25%
17.32
-6.83%
18.59
Total Other Finance Cost
7.93
-24.91%
10.57
+14.57%
9.22
-8.66%
10.10
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
5,103.32
+3.49%
4,931.15
+8.97%
4,525.35
+8.37%
4,175.67
Current Assets
4,875.07
+12.80%
4,322.00
+12.08%
3,856.31
+10.91%
3,476.97
Cash Cash Equivalents And Short Term Investments
169.34
+4.73%
161.70
-5.99%
172.00
+14.52%
150.19
Cash And Cash Equivalents
104.41
-1.44%
105.94
-5.86%
112.53
+34.96%
83.38
Other Short Term Investments
64.93
+16.45%
55.76
-6.24%
59.47
-10.99%
66.81
Receivables
4,705.73
+13.11%
4,160.30
+12.92%
3,684.31
+10.75%
3,326.78
Accounts Receivable
4,688.02
+13.22%
4,140.74
+13.24%
3,656.60
+10.97%
3,295.01
Taxes Receivable
17.70
-9.49%
19.56
-29.42%
27.71
-12.78%
31.77
Total Non Current Assets
228.25
-62.53%
609.15
-8.95%
669.04
-4.24%
698.70
Net PPE
54.09
-12.29%
61.67
-25.09%
82.33
-22.44%
106.15
Gross PPE
178.45
-1.56%
181.28
-13.17%
208.78
-8.95%
229.29
Accumulated Depreciation
-124.36
-3.97%
-119.60
+5.42%
-126.45
-2.69%
-123.14
Properties
0.00
0.00
0.00
0.00
Land And Improvements
1.41
+0.00%
1.41
+0.00%
1.41
+0.00%
1.41
Buildings And Improvements
19.68
+0.21%
19.64
+0.00%
19.64
-1.48%
19.93
Machinery Furniture Equipment
100.25
+1.16%
99.10
-9.50%
109.51
-4.12%
114.21
Construction In Progress
2.00
+136.08%
0.85
-14.26%
0.99
+6.12%
0.93
Other Properties
38.87
-7.89%
42.20
-27.89%
58.53
-16.78%
70.33
Leases
16.24
-10.16%
18.08
-3.39%
18.71
-16.79%
22.49
Goodwill And Other Intangible Assets
26.87
-93.22%
396.36
-8.16%
431.56
-1.00%
435.92
Goodwill
26.87
-93.22%
396.36
-8.16%
431.56
-1.00%
435.92
Investments And Advances
1.69
-83.93%
10.54
-18.49%
12.93
-1.53%
13.13
Long Term Equity Investment
0.00
-100.00%
8.69
-17.07%
10.48
+19.64%
8.76
Non Current Deferred Assets
76.95
+2.42%
75.13
+0.59%
74.69
+31.25%
56.91
Non Current Deferred Taxes Assets
76.95
+2.42%
75.13
+0.59%
74.69
+31.25%
56.91
Other Non Current Assets
68.64
+4.88%
65.45
-3.07%
67.53
-22.01%
86.59
Total Liabilities Net Minority Interest
4,063.36
+8.72%
3,737.55
+13.74%
3,285.98
+13.74%
2,888.92
Current Liabilities
267.81
-19.63%
333.20
+22.63%
271.72
+5.56%
257.41
Payables And Accrued Expenses
161.66
-4.79%
169.79
+8.75%
156.13
+8.11%
144.42
Payables
29.84
+4.41%
28.58
+59.58%
17.91
-45.76%
33.02
Accounts Payable
6.33
-13.70%
7.33
Current Accrued Expenses
131.81
-6.66%
141.21
+2.17%
138.22
+24.08%
111.39
Total Tax Payable
29.84
+4.41%
28.58
+59.58%
17.91
-30.28%
25.69
Income Tax Payable
29.84
+4.41%
28.58
+59.58%
17.91
-30.28%
25.69
Current Debt And Capital Lease Obligation
1,437.71
+35.60%
1,060.25
Current Debt
1,437.71
+35.60%
1,060.25
Other Current Liabilities
106.15
-35.04%
163.41
+41.37%
115.59
+2.30%
112.99
Total Non Current Liabilities Net Minority Interest
3,795.55
+11.49%
3,404.35
+12.94%
3,014.26
+14.54%
2,631.51
Long Term Debt And Capital Lease Obligation
3,729.50
+10.90%
3,363.06
+13.44%
2,964.57
+16.06%
2,554.24
Long Term Debt
3,697.34
+11.14%
3,326.62
+14.15%
2,914.27
+16.81%
2,494.86
Long Term Capital Lease Obligation
32.16
-11.74%
36.44
-27.56%
50.30
-15.30%
59.38
Non Current Deferred Liabilities
17.06
+1.49%
16.81
-1.40%
17.05
-60.27%
42.92
Non Current Deferred Taxes Liabilities
17.06
+1.49%
16.81
-1.40%
17.05
-60.27%
42.92
Other Non Current Liabilities
48.99
+100.16%
24.48
-25.01%
32.64
-5.00%
34.35
Stockholders Equity
979.85
-13.67%
1,135.03
-2.75%
1,167.11
-4.93%
1,227.66
Common Stock Equity
979.85
-13.67%
1,135.03
-2.75%
1,167.11
-4.93%
1,227.66
Capital Stock
0.39
-2.53%
0.40
+0.77%
0.39
+0.51%
0.39
Common Stock
0.39
-2.53%
0.40
+0.77%
0.39
+0.51%
0.39
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
38.45
-2.68%
39.51
+0.67%
39.25
+0.68%
38.98
Ordinary Shares Number
38.45
-2.68%
39.51
+0.67%
39.25
+0.68%
38.98
Additional Paid In Capital
11.47
-35.83%
17.88
+152.89%
7.07
+225.55%
2.17
Retained Earnings
1,255.01
-19.56%
1,560.15
+4.74%
1,489.55
-5.31%
1,573.03
Gains Losses Not Affecting Retained Earnings
-287.01
+35.27%
-443.39
-34.40%
-329.90
+5.18%
-347.93
Minority Interest
60.11
+2.63%
58.58
-18.94%
72.26
+22.30%
59.09
Other Equity Adjustments
-287.01
+35.27%
-443.39
-34.40%
-329.90
+5.18%
-347.93
Total Equity Gross Minority Interest
1,039.96
-12.87%
1,193.61
-3.69%
1,239.38
-3.68%
1,286.75
Total Capitalization
4,677.19
+4.83%
4,461.65
+9.32%
4,081.38
+9.64%
3,722.52
Working Capital
4,607.26
+15.51%
3,988.80
+11.28%
3,584.59
+11.34%
3,219.56
Invested Capital
4,677.19
+4.83%
4,461.65
+9.32%
4,081.38
+9.64%
3,722.52
Net Debt
3,592.93
+11.56%
3,220.68
+14.95%
2,801.74
+16.18%
2,411.48
Capital Lease Obligations
32.16
-11.74%
36.44
-27.56%
50.30
-15.30%
59.38
Net Tangible Assets
952.98
+29.01%
738.67
+0.43%
735.55
-7.10%
791.74
Tangible Book Value
952.98
+29.01%
738.67
+0.43%
735.55
-7.10%
791.74
Available For Sale Securities
1.69
-8.33%
1.85
-24.60%
2.45
-43.95%
4.37
Investmentin Financial Assets
1.69
-8.33%
1.85
-24.60%
2.45
-43.95%
4.37
Line Of Credit
1,437.71
+35.60%
1,060.25
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-85.54
+9.57%
-94.59
+3.02%
-97.53
-551.72%
21.59
Cash Flow From Continuing Operating Activities
-85.54
+9.57%
-94.59
+3.02%
-97.53
-551.72%
21.59
Net Income From Continuing Operations
-289.97
-427.38%
88.57
+232.69%
-66.75
-156.57%
118.00
Depreciation Amortization Depletion
10.44
-3.27%
10.79
-42.03%
18.61
+22.12%
15.24
Depreciation
10.44
-3.27%
10.79
-42.03%
18.61
+22.12%
15.24
Depreciation And Amortization
10.44
-3.27%
10.79
-42.03%
18.61
+22.12%
15.24
Other Non Cash Items
8.21
-8.47%
8.97
+16.71%
7.69
-25.66%
10.34
Stock Based Compensation
15.91
+18.12%
13.47
+21.41%
11.10
-14.96%
13.05
Provisionand Write Offof Assets
-176.45
+26.74%
-240.87
-726.76%
-29.13
+82.75%
-168.90
Asset Impairment Charge
412.61
0.00
0.00
Deferred Tax
6.39
+398.83%
-2.14
+94.05%
-35.94
-6021.25%
0.61
Deferred Income Tax
6.39
+398.83%
-2.14
+94.05%
-35.94
-6021.25%
0.61
Operating Gains Losses
-16.55
Unrealized Gain Loss On Investment Securities
1.56
+257.89%
0.44
Net Foreign Currency Exchange Gain Loss
-13.08
-351.62%
5.20
+131.42%
-16.55
-147.33%
34.97
Change In Working Capital
-21.19
-199.02%
21.40
+59.15%
13.45
+885.51%
-1.71
Change In Payables And Accrued Expense
-3.38
-110.92%
30.95
+102.49%
15.28
+273.51%
-8.81
Change In Accrued Expense
-3.38
-110.92%
30.95
+102.49%
15.28
+273.51%
-8.81
Change In Payable
-6.02
-134.07%
17.67
Change In Account Payable
-1.21
-130.43%
3.96
Change In Other Working Capital
-0.50
-207.54%
0.46
Change In Other Current Assets
-17.81
-86.65%
-9.54
-420.11%
-1.83
-125.86%
7.10
Change In Other Current Liabilities
2.83
+111.57%
-24.49
Investing Cash Flow
-59.94
+84.33%
-382.47
-62.85%
-234.86
-294.98%
120.45
Cash Flow From Continuing Investing Activities
-59.94
+84.33%
-382.47
-62.85%
-234.86
-294.98%
120.45
Net PPE Purchase And Sale
-4.82
-19.18%
-4.04
-40.11%
-2.89
+78.21%
-13.25
Purchase Of PPE
-4.82
-19.18%
-4.04
-40.11%
-2.89
+78.21%
-13.25
Capital Expenditure
-4.82
-19.18%
-4.04
-40.11%
-2.89
+78.21%
-13.25
Net Investment Purchase And Sale
49.48
+6532.17%
0.75
-93.39%
11.29
+262.70%
3.11
Purchase Of Investment
-57.90
-0.90%
-57.38
+4.45%
-60.06
+4.67%
-63.00
Sale Of Investment
107.37
+84.71%
58.13
-18.53%
71.35
+7.92%
66.11
Net Business Purchase And Sale
0.00
0.00
Purchase Of Business
0.00
0.00
Net Other Investing Changes
-104.59
+72.42%
-379.17
-55.87%
-243.26
-286.28%
130.59
Financing Cash Flow
115.97
-76.37%
490.84
+38.15%
355.30
+392.81%
-121.34
Cash Flow From Continuing Financing Activities
115.97
-76.37%
490.84
+38.15%
355.30
+392.81%
-121.34
Net Issuance Payments Of Debt
253.81
-45.52%
465.86
+23.12%
378.37
+25324.87%
-1.50
Issuance Of Debt
1,555.54
-46.90%
2,929.69
+141.20%
1,214.63
-24.42%
1,607.11
Repayment Of Debt
-1,301.72
+47.17%
-2,463.84
-194.63%
-836.26
+48.01%
-1,608.61
Long Term Debt Issuance
1,555.54
-46.90%
2,929.69
+141.20%
1,214.63
-24.42%
1,607.11
Long Term Debt Payments
-1,301.72
+47.17%
-2,463.84
-194.63%
-836.26
+48.01%
-1,608.61
Net Long Term Debt Issuance
253.81
-45.52%
465.86
+23.12%
378.37
+25324.87%
-1.50
Short Term Debt Issuance
814.63
-49.31%
1,607.11
Short Term Debt Payments
-480.10
+69.97%
-1,598.61
Net Short Term Debt Issuance
334.53
+3835.65%
8.50
Net Common Stock Issuance
-20.00
0.00
0.00
+100.00%
-111.37
Common Stock Payments
-20.00
0.00
0.00
+100.00%
-111.37
Repurchase Of Capital Stock
-20.00
0.00
0.00
+100.00%
-111.37
Net Other Financing Charges
-117.84
-571.77%
24.98
+208.26%
-23.07
-172.38%
-8.47
Changes In Cash
-29.51
-314.25%
13.77
-39.87%
22.91
+10.64%
20.70
Effect Of Exchange Rate Changes
30.72
+253.34%
-20.03
-432.29%
6.03
+124.10%
-25.02
Beginning Cash Position
107.43
-5.51%
113.69
+34.14%
84.76
-4.84%
89.07
End Cash Position
108.64
+1.13%
107.43
-5.51%
113.69
+34.14%
84.76
Free Cash Flow
-90.36
+8.39%
-98.64
+1.78%
-100.42
-1303.96%
8.34
Interest Paid Supplemental Data
259.06
+15.60%
224.10
+62.03%
138.31
+18.28%
116.93
Income Tax Paid Supplemental Data
38.53
+637.80%
5.22
-79.56%
25.54
+16.85%
21.86
Change In Income Tax Payable
-4.82
-135.12%
13.71
Change In Tax Payable
-4.82
-135.12%
13.71
Earnings Losses From Equity Investments
-38.40
0.00
0.00
Sale Of Business
SEC Filings

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