vs
Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $183.6M, roughly 1.8× ACV Auctions Inc.). On growth, ACV Auctions Inc. posted the faster year-over-year revenue change (15.1% vs 13.7%). ACV Auctions Inc. produced more free cash flow last quarter ($-14.7M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 12.3%).
ACV Auctions Inc.ACVAEarnings & Financial Report
ACV Auctions Inc. operates a leading digital wholesale vehicle auction platform serving automotive dealers across the U.S. and Canada. It offers end-to-end services including transparent vehicle inspections, secure payment processing, and logistics support, enabling efficient trading of used vehicles between registered wholesale buyers and sellers.
PRA Group, Inc. is a publicly traded debt buyer and debt collection company based in Norfolk, Virginia. The company buys delinquent consumer debt from credit card issuers and other financial institutions at a discount and pursues collection of the full debt owed. Founded in 1996, PRA Group employs more than 3200 people in 18 countries.
ACVA vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $333.4M |
| Net Profit | — | $56.5M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | 37.7% |
| Net Margin | — | 17.0% |
| Revenue YoY | 15.1% | 13.7% |
| Net Profit YoY | — | 206.3% |
| EPS (diluted) | $-0.12 | $1.47 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $183.6M | $333.4M | ||
| Q3 25 | $199.6M | $311.1M | ||
| Q2 25 | $193.7M | $287.7M | ||
| Q1 25 | $182.7M | $269.6M | ||
| Q4 24 | $159.5M | $293.2M | ||
| Q3 24 | $171.3M | $281.5M | ||
| Q2 24 | $160.6M | $284.2M | ||
| Q1 24 | $145.7M | $255.6M |
| Q4 25 | — | $56.5M | ||
| Q3 25 | $-24.5M | $-407.7M | ||
| Q2 25 | $-7.3M | $42.4M | ||
| Q1 25 | $-14.8M | $3.7M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | $-16.0M | $27.2M | ||
| Q2 24 | $-17.1M | $21.5M | ||
| Q1 24 | $-20.5M | $3.5M |
| Q4 25 | -9.7% | 37.7% | ||
| Q3 25 | -11.9% | -101.4% | ||
| Q2 25 | -3.7% | 29.6% | ||
| Q1 25 | -7.9% | 27.7% | ||
| Q4 24 | -16.2% | 32.1% | ||
| Q3 24 | -10.0% | 32.0% | ||
| Q2 24 | -11.6% | 31.4% | ||
| Q1 24 | -15.5% | 26.0% |
| Q4 25 | — | 17.0% | ||
| Q3 25 | -12.3% | -131.0% | ||
| Q2 25 | -3.8% | 14.7% | ||
| Q1 25 | -8.1% | 1.4% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | -9.4% | 9.6% | ||
| Q2 24 | -10.6% | 7.6% | ||
| Q1 24 | -14.1% | 1.4% |
| Q4 25 | $-0.12 | $1.47 | ||
| Q3 25 | $-0.14 | $-10.43 | ||
| Q2 25 | $-0.04 | $1.08 | ||
| Q1 25 | $-0.09 | $0.09 | ||
| Q4 24 | $-0.15 | $0.47 | ||
| Q3 24 | $-0.10 | $0.69 | ||
| Q2 24 | $-0.10 | $0.54 | ||
| Q1 24 | $-0.13 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $271.5M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $429.7M | $979.9M |
| Total Assets | $1.1B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $271.5M | $104.4M | ||
| Q3 25 | $265.3M | $107.5M | ||
| Q2 25 | $258.4M | $131.6M | ||
| Q1 25 | $291.9M | $128.7M | ||
| Q4 24 | $224.1M | $105.9M | ||
| Q3 24 | $252.5M | $141.1M | ||
| Q2 24 | $215.0M | $118.9M | ||
| Q1 24 | $209.8M | $108.1M |
| Q4 25 | $429.7M | $979.9M | ||
| Q3 25 | $434.4M | $928.5M | ||
| Q2 25 | $448.8M | $1.3B | ||
| Q1 25 | $439.6M | $1.2B | ||
| Q4 24 | $440.0M | $1.1B | ||
| Q3 24 | $456.2M | $1.2B | ||
| Q2 24 | $457.6M | $1.1B | ||
| Q1 24 | $458.3M | $1.1B |
| Q4 25 | $1.1B | $5.1B | ||
| Q3 25 | $1.2B | $5.0B | ||
| Q2 25 | $1.1B | $5.4B | ||
| Q1 25 | $1.2B | $5.1B | ||
| Q4 24 | $984.1M | $4.9B | ||
| Q3 24 | $1.0B | $4.9B | ||
| Q2 24 | $1.0B | $4.7B | ||
| Q1 24 | $1.0B | $4.5B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-12.4M | $-85.5M |
| Free Cash FlowOCF − Capex | $-14.7M | $-90.4M |
| FCF MarginFCF / Revenue | -8.0% | -27.1% |
| Capex IntensityCapex / Revenue | 1.2% | 1.4% |
| Cash ConversionOCF / Net Profit | — | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $-85.5M | ||
| Q3 25 | $10.3M | $-10.1M | ||
| Q2 25 | $13.7M | $-12.9M | ||
| Q1 25 | $66.6M | $-52.6M | ||
| Q4 24 | $-3.2M | $-94.6M | ||
| Q3 24 | $21.1M | $-35.0M | ||
| Q2 24 | $4.5M | $-29.5M | ||
| Q1 24 | $43.0M | $-73.0M |
| Q4 25 | $-14.7M | $-90.4M | ||
| Q3 25 | $7.7M | $-11.3M | ||
| Q2 25 | $10.9M | $-14.2M | ||
| Q1 25 | $65.3M | $-53.5M | ||
| Q4 24 | $-3.9M | $-98.6M | ||
| Q3 24 | $20.2M | $-36.1M | ||
| Q2 24 | $2.7M | $-30.8M | ||
| Q1 24 | $41.9M | $-73.5M |
| Q4 25 | -8.0% | -27.1% | ||
| Q3 25 | 3.8% | -3.6% | ||
| Q2 25 | 5.6% | -4.9% | ||
| Q1 25 | 35.7% | -19.8% | ||
| Q4 24 | -2.5% | -33.6% | ||
| Q3 24 | 11.8% | -12.8% | ||
| Q2 24 | 1.7% | -10.8% | ||
| Q1 24 | 28.8% | -28.8% |
| Q4 25 | 1.2% | 1.4% | ||
| Q3 25 | 1.3% | 0.4% | ||
| Q2 25 | 1.5% | 0.4% | ||
| Q1 25 | 0.7% | 0.3% | ||
| Q4 24 | 0.4% | 1.4% | ||
| Q3 24 | 0.6% | 0.4% | ||
| Q2 24 | 1.1% | 0.5% | ||
| Q1 24 | 0.7% | 0.2% |
| Q4 25 | — | -1.51× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -0.30× | ||
| Q1 25 | — | -14.37× | ||
| Q4 24 | — | -5.13× | ||
| Q3 24 | — | -1.29× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | — | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACVA
| Auction Marketplace Revenue | $77.6M | 42% |
| Other Marketplace Revenue | $72.4M | 39% |
| Customer Assurance | $24.1M | 13% |
| Data Services Revenue | $9.4M | 5% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
