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Side-by-side financial comparison of American Express (AXP) 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 $18.9M, roughly 17.6× American Express). PRA GROUP INC runs the higher net margin — 17.0% vs 15.7%, a 1.2% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 11.4%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -95.6%).
American Express Company, together with its subsidiaries, provides charge and credit payment card products, and travel-related services worldwide. The company operates through three segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. Its products and services include payment and financing products; network services; accounts payable expense management products and services; and travel and lifestyle services. The company's products an...
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.
AXP vs PRAA — Head-to-Head
Income Statement — Q1 2026 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $333.4M |
| Net Profit | $3.0M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | — | 37.7% |
| Net Margin | 15.7% | 17.0% |
| Revenue YoY | 11.4% | 13.7% |
| Net Profit YoY | 15.0% | 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.
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $333.4M | ||
| Q3 25 | $10.4B | $311.1M | ||
| Q2 25 | $10.3B | $287.7M | ||
| Q1 25 | $9.6B | $269.6M | ||
| Q4 24 | $10.0B | $293.2M | ||
| Q3 24 | $9.7B | $281.5M | ||
| Q2 24 | $9.8B | $284.2M |
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $56.5M | ||
| Q3 25 | $2.9B | $-407.7M | ||
| Q2 25 | $2.9B | $42.4M | ||
| Q1 25 | $2.6B | $3.7M | ||
| Q4 24 | $2.2B | $18.5M | ||
| Q3 24 | $2.5B | $27.2M | ||
| Q2 24 | $3.0B | $21.5M |
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | 37.7% | ||
| Q3 25 | 36.7% | -101.4% | ||
| Q2 25 | 34.4% | 29.6% | ||
| Q1 25 | 34.6% | 27.7% | ||
| Q4 24 | 27.7% | 32.1% | ||
| Q3 24 | 33.0% | 32.0% | ||
| Q2 24 | 38.6% | 31.4% |
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | 17.0% | ||
| Q3 25 | 27.9% | -131.0% | ||
| Q2 25 | 28.0% | 14.7% | ||
| Q1 25 | 26.8% | 1.4% | ||
| Q4 24 | 21.8% | 6.3% | ||
| Q3 24 | 25.8% | 9.6% | ||
| Q2 24 | 30.7% | 7.6% |
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $1.47 | ||
| Q3 25 | $4.14 | $-10.43 | ||
| Q2 25 | $4.08 | $1.08 | ||
| Q1 25 | $3.64 | $0.09 | ||
| Q4 24 | $3.04 | $0.47 | ||
| Q3 24 | $3.49 | $0.69 | ||
| Q2 24 | $4.15 | $0.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.4M |
| Total DebtLower is stronger | $60.4M | — |
| Stockholders' EquityBook value | $34.0M | $979.9M |
| Total Assets | $308.9M | $5.1B |
| Debt / EquityLower = less leverage | 1.78× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $104.4M | ||
| Q3 25 | $1.3B | $107.5M | ||
| Q2 25 | $197.0M | $131.6M | ||
| Q1 25 | $261.0M | $128.7M | ||
| Q4 24 | $221.0M | $105.9M | ||
| Q3 24 | $120.0M | $141.1M | ||
| Q2 24 | $188.0M | $118.9M |
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $979.9M | ||
| Q3 25 | $32.4B | $928.5M | ||
| Q2 25 | $32.3B | $1.3B | ||
| Q1 25 | $31.2B | $1.2B | ||
| Q4 24 | $30.3B | $1.1B | ||
| Q3 24 | $29.7B | $1.2B | ||
| Q2 24 | $29.5B | $1.1B |
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $5.1B | ||
| Q3 25 | $297.6B | $5.0B | ||
| Q2 25 | $295.6B | $5.4B | ||
| Q1 25 | $282.2B | $5.1B | ||
| Q4 24 | $271.5B | $4.9B | ||
| Q3 24 | $271.0B | $4.9B | ||
| Q2 24 | $272.2B | $4.7B |
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — |
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 | — | $-9.9M |
| Free Cash FlowOCF − Capex | — | $-11.3M |
| FCF MarginFCF / Revenue | — | -3.4% |
| Capex IntensityCapex / Revenue | — | 0.4% |
| Cash ConversionOCF / Net Profit | — | -0.18× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-90.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-9.9M | ||
| Q3 25 | $6.2B | $-10.1M | ||
| Q2 25 | $4.4B | $-12.9M | ||
| Q1 25 | $4.8B | $-52.6M | ||
| Q4 24 | $5.8B | $42.9M | ||
| Q3 24 | $-1.8B | $-35.0M | ||
| Q2 24 | $4.5B | $-29.5M |
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-11.3M | ||
| Q3 25 | $5.6B | $-11.3M | ||
| Q2 25 | $3.7B | $-14.2M | ||
| Q1 25 | $4.3B | $-53.5M | ||
| Q4 24 | $5.3B | $41.8M | ||
| Q3 24 | $-2.3B | $-36.1M | ||
| Q2 24 | $4.0B | $-30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -3.4% | ||
| Q3 25 | 53.6% | -3.6% | ||
| Q2 25 | 36.3% | -4.9% | ||
| Q1 25 | 45.0% | -19.8% | ||
| Q4 24 | 53.1% | 14.2% | ||
| Q3 24 | -23.3% | -12.8% | ||
| Q2 24 | 40.4% | -10.8% |
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 0.4% | ||
| Q3 25 | 6.3% | 0.4% | ||
| Q2 25 | 6.0% | 0.4% | ||
| Q1 25 | 4.5% | 0.3% | ||
| Q4 24 | 5.0% | 0.4% | ||
| Q3 24 | 4.7% | 0.4% | ||
| Q2 24 | 5.8% | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | -0.18× | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | -0.30× | ||
| Q1 25 | 1.84× | -14.37× | ||
| Q4 24 | 2.66× | 2.33× | ||
| Q3 24 | -0.72× | -1.29× | ||
| Q2 24 | 1.50× | -1.37× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
PRAA
Segment breakdown not available.
