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Side-by-side financial comparison of BJs RESTAURANTS INC (BJRI) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
BJs RESTAURANTS INC is the larger business by last-quarter revenue ($355.4M vs $333.4M, roughly 1.1× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 3.6%, a 13.4% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 3.2%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 2.6%).
BJ's Restaurants Inc. operates a chain of casual dining restaurants across the United States. Its menu features signature deep-dish pizzas, craft beers, handcrafted cocktails, and a wide range of American comfort food. The brand primarily serves family groups, friend gatherings, and casual diners seeking affordable, high-quality meals in a relaxed, welcoming in-store environment.
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.
BJRI vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $355.4M | $333.4M |
| Net Profit | $12.6M | $56.5M |
| Gross Margin | 74.5% | — |
| Operating Margin | 3.1% | 37.7% |
| Net Margin | 3.6% | 17.0% |
| Revenue YoY | 3.2% | 13.7% |
| Net Profit YoY | -24.2% | 206.3% |
| EPS (diluted) | $0.58 | $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 | $355.4M | $333.4M | ||
| Q3 25 | $365.6M | $311.1M | ||
| Q2 25 | $348.0M | $287.7M | ||
| Q1 25 | — | $269.6M | ||
| Q4 24 | $325.7M | $293.2M | ||
| Q3 24 | $349.9M | $281.5M | ||
| Q2 24 | $337.3M | $284.2M | ||
| Q1 24 | — | $255.6M |
| Q4 25 | $12.6M | $56.5M | ||
| Q3 25 | $22.2M | $-407.7M | ||
| Q2 25 | $13.5M | $42.4M | ||
| Q1 25 | — | $3.7M | ||
| Q4 24 | $-2.9M | $18.5M | ||
| Q3 24 | $17.2M | $27.2M | ||
| Q2 24 | $7.7M | $21.5M | ||
| Q1 24 | — | $3.5M |
| Q4 25 | 74.5% | — | ||
| Q3 25 | 75.2% | — | ||
| Q2 25 | 75.0% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 73.4% | — | ||
| Q3 24 | 74.3% | — | ||
| Q2 24 | 74.8% | — | ||
| Q1 24 | — | — |
| Q4 25 | 3.1% | 37.7% | ||
| Q3 25 | 5.8% | -101.4% | ||
| Q2 25 | 4.3% | 29.6% | ||
| Q1 25 | — | 27.7% | ||
| Q4 24 | -0.8% | 32.1% | ||
| Q3 24 | 3.8% | 32.0% | ||
| Q2 24 | 2.4% | 31.4% | ||
| Q1 24 | — | 26.0% |
| Q4 25 | 3.6% | 17.0% | ||
| Q3 25 | 6.1% | -131.0% | ||
| Q2 25 | 3.9% | 14.7% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | -0.9% | 6.3% | ||
| Q3 24 | 4.9% | 9.6% | ||
| Q2 24 | 2.3% | 7.6% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | $0.58 | $1.47 | ||
| Q3 25 | $0.97 | $-10.43 | ||
| Q2 25 | $0.58 | $1.08 | ||
| Q1 25 | — | $0.09 | ||
| Q4 24 | $-0.13 | $0.47 | ||
| Q3 24 | $0.72 | $0.69 | ||
| Q2 24 | $0.32 | $0.54 | ||
| Q1 24 | — | $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 | $23.8M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $366.2M | $979.9M |
| Total Assets | $1.0B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.8M | $104.4M | ||
| Q3 25 | $26.0M | $107.5M | ||
| Q2 25 | $19.0M | $131.6M | ||
| Q1 25 | — | $128.7M | ||
| Q4 24 | $18.4M | $105.9M | ||
| Q3 24 | $16.2M | $141.1M | ||
| Q2 24 | $18.8M | $118.9M | ||
| Q1 24 | — | $108.1M |
| Q4 25 | — | — | ||
| Q3 25 | $60.5M | — | ||
| Q2 25 | $85.5M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $66.5M | — | ||
| Q3 24 | $63.5M | — | ||
| Q2 24 | $58.0M | — | ||
| Q1 24 | — | — |
| Q4 25 | $366.2M | $979.9M | ||
| Q3 25 | $386.6M | $928.5M | ||
| Q2 25 | $371.5M | $1.3B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | $376.2M | $1.1B | ||
| Q3 24 | $386.5M | $1.2B | ||
| Q2 24 | $375.4M | $1.1B | ||
| Q1 24 | — | $1.1B |
| Q4 25 | $1.0B | $5.1B | ||
| Q3 25 | $1.0B | $5.0B | ||
| Q2 25 | $1.0B | $5.4B | ||
| Q1 25 | — | $5.1B | ||
| Q4 24 | $1.0B | $4.9B | ||
| Q3 24 | $1.0B | $4.9B | ||
| Q2 24 | $1.0B | $4.7B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | — | — | ||
| Q3 25 | 0.16× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 0.15× | — | ||
| 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 | — | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | — | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-85.5M | ||
| Q3 25 | $62.3M | $-10.1M | ||
| Q2 25 | $4.6M | $-12.9M | ||
| Q1 25 | — | $-52.6M | ||
| Q4 24 | $27.3M | $-94.6M | ||
| Q3 24 | $20.2M | $-35.0M | ||
| Q2 24 | $22.3M | $-29.5M | ||
| Q1 24 | — | $-73.0M |
| Q4 25 | — | $-90.4M | ||
| Q3 25 | $41.9M | $-11.3M | ||
| Q2 25 | $-12.1M | $-14.2M | ||
| Q1 25 | — | $-53.5M | ||
| Q4 24 | $7.6M | $-98.6M | ||
| Q3 24 | $735.0K | $-36.1M | ||
| Q2 24 | $448.0K | $-30.8M | ||
| Q1 24 | — | $-73.5M |
| Q4 25 | — | -27.1% | ||
| Q3 25 | 11.5% | -3.6% | ||
| Q2 25 | -3.5% | -4.9% | ||
| Q1 25 | — | -19.8% | ||
| Q4 24 | 2.3% | -33.6% | ||
| Q3 24 | 0.2% | -12.8% | ||
| Q2 24 | 0.1% | -10.8% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | 5.6% | 0.4% | ||
| Q2 25 | 4.8% | 0.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | 6.0% | 1.4% | ||
| Q3 24 | 5.6% | 0.4% | ||
| Q2 24 | 6.5% | 0.5% | ||
| Q1 24 | — | 0.2% |
| Q4 25 | — | -1.51× | ||
| Q3 25 | 2.80× | — | ||
| Q2 25 | 0.34× | -0.30× | ||
| Q1 25 | — | -14.37× | ||
| Q4 24 | — | -5.13× | ||
| Q3 24 | 1.18× | -1.29× | ||
| Q2 24 | 2.89× | -1.37× | ||
| Q1 24 | — | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BJRI
Segment breakdown not available.
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
