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Side-by-side financial comparison of Allstate (ALL) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
Allstate is the larger business by last-quarter revenue ($17.3B vs $333.4M, roughly 52.0× PRA GROUP INC). Allstate runs the higher net margin — 22.1% vs 17.0%, a 5.1% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 5.1%). Allstate produced more free cash flow last quarter ($2.9B vs $-11.3M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 6.6%).
The Allstate Corporation, together with its subsidiaries, provides property and casualty, and other insurance products in the United States and Canada. The company operates through Allstate Protection; Protection Services; Allstate Health and Benefits; and Run-off Property-Liability segments. The Allstate Protection segment offers private passenger auto and homeowners insurance; specialty auto products, including motorcycle, trailer, motor home, and off-road vehicle insurance; other personal ...
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.
ALL vs PRAA — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $17.3B | $333.4M |
| Net Profit | $3.8B | $56.5M |
| Gross Margin | — | — |
| Operating Margin | — | 37.7% |
| Net Margin | 22.1% | 17.0% |
| Revenue YoY | 5.1% | 13.7% |
| Net Profit YoY | 98.8% | 206.3% |
| EPS (diluted) | $14.24 | $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 | $17.3B | $333.4M | ||
| Q3 25 | $17.3B | $311.1M | ||
| Q2 25 | $16.6B | $287.7M | ||
| Q1 25 | $16.5B | $269.6M | ||
| Q4 24 | $16.5B | $293.2M | ||
| Q3 24 | $16.6B | $281.5M | ||
| Q2 24 | $15.7B | $284.2M | ||
| Q1 24 | $15.3B | $255.6M |
| Q4 25 | $3.8B | $56.5M | ||
| Q3 25 | $3.7B | $-407.7M | ||
| Q2 25 | $2.1B | $42.4M | ||
| Q1 25 | $595.0M | $3.7M | ||
| Q4 24 | $1.9B | $18.5M | ||
| Q3 24 | $1.2B | $27.2M | ||
| Q2 24 | $331.0M | $21.5M | ||
| Q1 24 | $1.2B | $3.5M |
| Q4 25 | — | 37.7% | ||
| Q3 25 | — | -101.4% | ||
| Q2 25 | — | 29.6% | ||
| Q1 25 | — | 27.7% | ||
| Q4 24 | — | 32.1% | ||
| Q3 24 | — | 32.0% | ||
| Q2 24 | — | 31.4% | ||
| Q1 24 | — | 26.0% |
| Q4 25 | 22.1% | 17.0% | ||
| Q3 25 | 21.7% | -131.0% | ||
| Q2 25 | 12.7% | 14.7% | ||
| Q1 25 | 3.6% | 1.4% | ||
| Q4 24 | 11.7% | 6.3% | ||
| Q3 24 | 7.2% | 9.6% | ||
| Q2 24 | 2.1% | 7.6% | ||
| Q1 24 | 8.0% | 1.4% |
| Q4 25 | $14.24 | $1.47 | ||
| Q3 25 | $13.95 | $-10.43 | ||
| Q2 25 | $7.76 | $1.08 | ||
| Q1 25 | $2.11 | $0.09 | ||
| Q4 24 | $7.07 | $0.47 | ||
| Q3 24 | $4.33 | $0.69 | ||
| Q2 24 | $1.13 | $0.54 | ||
| Q1 24 | $4.46 | $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 | $4.9B | $104.4M |
| Total DebtLower is stronger | $7.5B | — |
| Stockholders' EquityBook value | $30.6B | $979.9M |
| Total Assets | $119.8B | $5.1B |
| Debt / EquityLower = less leverage | 0.24× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9B | $104.4M | ||
| Q3 25 | $8.7B | $107.5M | ||
| Q2 25 | $9.6B | $131.6M | ||
| Q1 25 | $6.5B | $128.7M | ||
| Q4 24 | $4.5B | $105.9M | ||
| Q3 24 | $7.0B | $141.1M | ||
| Q2 24 | $5.3B | $118.9M | ||
| Q1 24 | $4.3B | $108.1M |
| Q4 25 | $7.5B | — | ||
| Q3 25 | $8.1B | — | ||
| Q2 25 | $8.1B | — | ||
| Q1 25 | $8.1B | — | ||
| Q4 24 | $8.1B | — | ||
| Q3 24 | $8.1B | — | ||
| Q2 24 | $8.1B | — | ||
| Q1 24 | $7.9B | — |
| Q4 25 | $30.6B | $979.9M | ||
| Q3 25 | $27.5B | $928.5M | ||
| Q2 25 | $24.0B | $1.3B | ||
| Q1 25 | $22.1B | $1.2B | ||
| Q4 24 | $21.4B | $1.1B | ||
| Q3 24 | $20.9B | $1.2B | ||
| Q2 24 | $18.6B | $1.1B | ||
| Q1 24 | $18.6B | $1.1B |
| Q4 25 | $119.8B | $5.1B | ||
| Q3 25 | $120.4B | $5.0B | ||
| Q2 25 | $115.9B | $5.4B | ||
| Q1 25 | $115.2B | $5.1B | ||
| Q4 24 | $111.6B | $4.9B | ||
| Q3 24 | $113.7B | $4.9B | ||
| Q2 24 | $108.4B | $4.7B | ||
| Q1 24 | $105.2B | $4.5B |
| Q4 25 | 0.24× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.37× | — | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.39× | — | ||
| Q2 24 | 0.43× | — | ||
| Q1 24 | 0.43× | — |
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 | $3.0B | $-9.9M |
| Free Cash FlowOCF − Capex | $2.9B | $-11.3M |
| FCF MarginFCF / Revenue | 16.7% | -3.4% |
| Capex IntensityCapex / Revenue | 0.5% | 0.4% |
| Cash ConversionOCF / Net Profit | 0.78× | -0.18× |
| TTM Free Cash FlowTrailing 4 quarters | $9.9B | $-90.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.0B | $-9.9M | ||
| Q3 25 | $3.3B | $-10.1M | ||
| Q2 25 | $1.9B | $-12.9M | ||
| Q1 25 | $2.0B | $-52.6M | ||
| Q4 24 | $1.7B | $42.9M | ||
| Q3 24 | $3.2B | $-35.0M | ||
| Q2 24 | $2.4B | $-29.5M | ||
| Q1 24 | $1.7B | $-73.0M |
| Q4 25 | $2.9B | $-11.3M | ||
| Q3 25 | $3.2B | $-11.3M | ||
| Q2 25 | $1.9B | $-14.2M | ||
| Q1 25 | $1.9B | $-53.5M | ||
| Q4 24 | $1.7B | $41.8M | ||
| Q3 24 | $3.1B | $-36.1M | ||
| Q2 24 | $2.3B | $-30.8M | ||
| Q1 24 | $1.6B | $-73.5M |
| Q4 25 | 16.7% | -3.4% | ||
| Q3 25 | 18.8% | -3.6% | ||
| Q2 25 | 11.3% | -4.9% | ||
| Q1 25 | 11.4% | -19.8% | ||
| Q4 24 | 10.0% | 14.2% | ||
| Q3 24 | 18.9% | -12.8% | ||
| Q2 24 | 14.7% | -10.8% | ||
| Q1 24 | 10.6% | -28.8% |
| Q4 25 | 0.5% | 0.4% | ||
| Q3 25 | 0.3% | 0.4% | ||
| Q2 25 | 0.0% | 0.4% | ||
| Q1 25 | 0.6% | 0.3% | ||
| Q4 24 | 0.3% | 0.4% | ||
| Q3 24 | 0.4% | 0.4% | ||
| Q2 24 | 0.4% | 0.5% | ||
| Q1 24 | 0.3% | 0.2% |
| Q4 25 | 0.78× | -0.18× | ||
| Q3 25 | 0.88× | — | ||
| Q2 25 | 0.89× | -0.30× | ||
| Q1 25 | 3.30× | -14.37× | ||
| Q4 24 | 0.88× | 2.33× | ||
| Q3 24 | 2.69× | -1.29× | ||
| Q2 24 | 7.13× | -1.37× | ||
| Q1 24 | 1.37× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
