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Side-by-side financial comparison of Andersons, Inc. (ANDE) 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 $329.5M, roughly 1.0× Andersons, Inc.). Andersons, Inc. runs the higher net margin — 20.5% vs 17.0%, a 3.5% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -2.4%). Andersons, Inc. produced more free cash flow last quarter ($-77.1M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -1.8%).
The Andersons, Inc. is an American agribusiness established in 1947, that began as Andersons Truck Terminal (ATT) in the 1940s for the grain industry, headquartered in Maumee, Ohio. It is a diversified company rooted in agriculture that conducts business in the commodity merchandising, renewables, and plant nutrient sectors.
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.
ANDE vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $329.5M | $333.4M |
| Net Profit | $67.4M | $56.5M |
| Gross Margin | 70.3% | — |
| Operating Margin | 26.6% | 37.7% |
| Net Margin | 20.5% | 17.0% |
| Revenue YoY | -2.4% | 13.7% |
| Net Profit YoY | 49.6% | 206.3% |
| EPS (diluted) | — | $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 | $329.5M | $333.4M | ||
| Q3 25 | $295.8M | $311.1M | ||
| Q2 25 | $535.0M | $287.7M | ||
| Q1 25 | $370.8M | $269.6M | ||
| Q4 24 | $337.5M | $293.2M | ||
| Q3 24 | $231.9M | $281.5M | ||
| Q2 24 | $492.5M | $284.2M | ||
| Q1 24 | $341.4M | $255.6M |
| Q4 25 | $67.4M | $56.5M | ||
| Q3 25 | $20.1M | $-407.7M | ||
| Q2 25 | $7.9M | $42.4M | ||
| Q1 25 | $284.0K | $3.7M | ||
| Q4 24 | $45.1M | $18.5M | ||
| Q3 24 | $27.4M | $27.2M | ||
| Q2 24 | $36.0M | $21.5M | ||
| Q1 24 | $5.6M | $3.5M |
| Q4 25 | 70.3% | — | ||
| Q3 25 | 57.8% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 41.2% | — | ||
| Q4 24 | 63.1% | — | ||
| Q3 24 | 76.4% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | 37.6% | — |
| Q4 25 | 26.6% | 37.7% | ||
| Q3 25 | 8.7% | -101.4% | ||
| Q2 25 | 4.6% | 29.6% | ||
| Q1 25 | 0.9% | 27.7% | ||
| Q4 24 | 19.9% | 32.1% | ||
| Q3 24 | 26.8% | 32.0% | ||
| Q2 24 | 11.6% | 31.4% | ||
| Q1 24 | 4.1% | 26.0% |
| Q4 25 | 20.5% | 17.0% | ||
| Q3 25 | 6.8% | -131.0% | ||
| Q2 25 | 1.5% | 14.7% | ||
| Q1 25 | 0.1% | 1.4% | ||
| Q4 24 | 13.4% | 6.3% | ||
| Q3 24 | 11.8% | 9.6% | ||
| Q2 24 | 7.3% | 7.6% | ||
| Q1 24 | 1.6% | 1.4% |
| Q4 25 | — | $1.47 | ||
| Q3 25 | $0.59 | $-10.43 | ||
| Q2 25 | $0.23 | $1.08 | ||
| Q1 25 | $0.01 | $0.09 | ||
| Q4 24 | $1.31 | $0.47 | ||
| Q3 24 | $0.80 | $0.69 | ||
| Q2 24 | $1.05 | $0.54 | ||
| Q1 24 | $0.16 | $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 | $98.3M | $104.4M |
| Total DebtLower is stronger | $560.0M | — |
| Stockholders' EquityBook value | $1.2B | $979.9M |
| Total Assets | $3.7B | $5.1B |
| Debt / EquityLower = less leverage | 0.45× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $98.3M | $104.4M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $131.6M | ||
| Q1 25 | — | $128.7M | ||
| Q4 24 | $561.8M | $105.9M | ||
| Q3 24 | — | $141.1M | ||
| Q2 24 | — | $118.9M | ||
| Q1 24 | — | $108.1M |
| Q4 25 | $560.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $608.2M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.2B | $979.9M | ||
| Q3 25 | $1.2B | $928.5M | ||
| Q2 25 | $1.4B | $1.3B | ||
| Q1 25 | $1.4B | $1.2B | ||
| Q4 24 | $1.4B | $1.1B | ||
| Q3 24 | $1.3B | $1.2B | ||
| Q2 24 | $1.3B | $1.1B | ||
| Q1 24 | $1.3B | $1.1B |
| Q4 25 | $3.7B | $5.1B | ||
| Q3 25 | $3.3B | $5.0B | ||
| Q2 25 | $3.4B | $5.4B | ||
| Q1 25 | $3.8B | $5.1B | ||
| Q4 24 | $4.1B | $4.9B | ||
| Q3 24 | $3.4B | $4.9B | ||
| Q2 24 | $3.3B | $4.7B | ||
| Q1 24 | $3.3B | $4.5B |
| Q4 25 | 0.45× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.45× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-6.2M | $-85.5M |
| Free Cash FlowOCF − Capex | $-77.1M | $-90.4M |
| FCF MarginFCF / Revenue | -23.4% | -27.1% |
| Capex IntensityCapex / Revenue | 21.5% | 1.4% |
| Cash ConversionOCF / Net Profit | -0.09× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $-56.1M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-6.2M | $-85.5M | ||
| Q3 25 | $233.9M | $-10.1M | ||
| Q2 25 | $299.3M | $-12.9M | ||
| Q1 25 | $-350.0M | $-52.6M | ||
| Q4 24 | $268.8M | $-94.6M | ||
| Q3 24 | $-2.1M | $-35.0M | ||
| Q2 24 | $304.4M | $-29.5M | ||
| Q1 24 | $-239.6M | $-73.0M |
| Q4 25 | $-77.1M | $-90.4M | ||
| Q3 25 | $167.0M | $-11.3M | ||
| Q2 25 | $250.5M | $-14.2M | ||
| Q1 25 | $-396.6M | $-53.5M | ||
| Q4 24 | $212.9M | $-98.6M | ||
| Q3 24 | $-40.0M | $-36.1M | ||
| Q2 24 | $275.8M | $-30.8M | ||
| Q1 24 | $-266.4M | $-73.5M |
| Q4 25 | -23.4% | -27.1% | ||
| Q3 25 | 56.5% | -3.6% | ||
| Q2 25 | 46.8% | -4.9% | ||
| Q1 25 | -106.9% | -19.8% | ||
| Q4 24 | 63.1% | -33.6% | ||
| Q3 24 | -17.2% | -12.8% | ||
| Q2 24 | 56.0% | -10.8% | ||
| Q1 24 | -78.0% | -28.8% |
| Q4 25 | 21.5% | 1.4% | ||
| Q3 25 | 22.6% | 0.4% | ||
| Q2 25 | 9.1% | 0.4% | ||
| Q1 25 | 12.6% | 0.3% | ||
| Q4 24 | 16.6% | 1.4% | ||
| Q3 24 | 16.3% | 0.4% | ||
| Q2 24 | 5.8% | 0.5% | ||
| Q1 24 | 7.8% | 0.2% |
| Q4 25 | -0.09× | -1.51× | ||
| Q3 25 | 11.61× | — | ||
| Q2 25 | 38.10× | -0.30× | ||
| Q1 25 | -1232.46× | -14.37× | ||
| Q4 24 | 5.96× | -5.13× | ||
| Q3 24 | -0.08× | -1.29× | ||
| Q2 24 | 8.46× | -1.37× | ||
| Q1 24 | -42.94× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ANDE
| Specialty And Primary Nutrients | $137.1M | 42% |
| Premium Ingredients | $66.1M | 20% |
| Segment Reporting Reconciling Item Other | $63.2M | 19% |
| Other | $63.1M | 19% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
