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Side-by-side financial comparison of CSW INDUSTRIALS, INC. (CSW) 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 $233.0M, roughly 1.4× CSW INDUSTRIALS, INC.). PRA GROUP INC runs the higher net margin — 17.0% vs 4.4%, a 12.6% gap on every dollar of revenue. On growth, CSW INDUSTRIALS, INC. posted the faster year-over-year revenue change (20.3% vs 13.7%). CSW INDUSTRIALS, INC. produced more free cash flow last quarter ($22.7M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 5.1%).
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.
CSW vs PRAA — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $233.0M | $333.4M |
| Net Profit | $10.3M | $56.5M |
| Gross Margin | 39.7% | — |
| Operating Margin | 7.4% | 37.7% |
| Net Margin | 4.4% | 17.0% |
| Revenue YoY | 20.3% | 13.7% |
| Net Profit YoY | -61.9% | 206.3% |
| EPS (diluted) | $0.62 | $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 | $233.0M | $333.4M | ||
| Q3 25 | $277.0M | $311.1M | ||
| Q2 25 | $263.6M | $287.7M | ||
| Q1 25 | $230.5M | $269.6M | ||
| Q4 24 | $193.6M | $293.2M | ||
| Q3 24 | $227.9M | $281.5M | ||
| Q2 24 | $226.2M | $284.2M | ||
| Q1 24 | $210.9M | $255.6M |
| Q4 25 | $10.3M | $56.5M | ||
| Q3 25 | $40.7M | $-407.7M | ||
| Q2 25 | $40.9M | $42.4M | ||
| Q1 25 | $35.1M | $3.7M | ||
| Q4 24 | $26.9M | $18.5M | ||
| Q3 24 | $36.1M | $27.2M | ||
| Q2 24 | $38.6M | $21.5M | ||
| Q1 24 | $31.8M | $3.5M |
| Q4 25 | 39.7% | — | ||
| Q3 25 | 43.0% | — | ||
| Q2 25 | 43.8% | — | ||
| Q1 25 | 44.2% | — | ||
| Q4 24 | 41.4% | — | ||
| Q3 24 | 45.6% | — | ||
| Q2 24 | 47.5% | — | ||
| Q1 24 | 44.4% | — |
| Q4 25 | 7.4% | 37.7% | ||
| Q3 25 | 20.5% | -101.4% | ||
| Q2 25 | 20.8% | 29.6% | ||
| Q1 25 | 19.5% | 27.7% | ||
| Q4 24 | 15.3% | 32.1% | ||
| Q3 24 | 22.6% | 32.0% | ||
| Q2 24 | 24.3% | 31.4% | ||
| Q1 24 | 21.0% | 26.0% |
| Q4 25 | 4.4% | 17.0% | ||
| Q3 25 | 14.7% | -131.0% | ||
| Q2 25 | 15.5% | 14.7% | ||
| Q1 25 | 15.2% | 1.4% | ||
| Q4 24 | 13.9% | 6.3% | ||
| Q3 24 | 15.8% | 9.6% | ||
| Q2 24 | 17.1% | 7.6% | ||
| Q1 24 | 15.1% | 1.4% |
| Q4 25 | $0.62 | $1.47 | ||
| Q3 25 | $2.41 | $-10.43 | ||
| Q2 25 | $2.43 | $1.08 | ||
| Q1 25 | $2.05 | $0.09 | ||
| Q4 24 | $1.60 | $0.47 | ||
| Q3 24 | $2.26 | $0.69 | ||
| Q2 24 | $2.47 | $0.54 | ||
| Q1 24 | $2.03 | $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 | $40.2M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.1B | $979.9M |
| Total Assets | $2.3B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $40.2M | $104.4M | ||
| Q3 25 | $31.5M | $107.5M | ||
| Q2 25 | $38.0M | $131.6M | ||
| Q1 25 | $225.8M | $128.7M | ||
| Q4 24 | $213.8M | $105.9M | ||
| Q3 24 | $273.2M | $141.1M | ||
| Q2 24 | $18.9M | $118.9M | ||
| Q1 24 | $22.2M | $108.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $800.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $166.0M | — |
| Q4 25 | $1.1B | $979.9M | ||
| Q3 25 | $1.1B | $928.5M | ||
| Q2 25 | $1.1B | $1.3B | ||
| Q1 25 | $1.1B | $1.2B | ||
| Q4 24 | $1.0B | $1.1B | ||
| Q3 24 | $1.0B | $1.2B | ||
| Q2 24 | $650.2M | $1.1B | ||
| Q1 24 | $615.7M | $1.1B |
| Q4 25 | $2.3B | $5.1B | ||
| Q3 25 | $1.5B | $5.0B | ||
| Q2 25 | $1.5B | $5.4B | ||
| Q1 25 | $1.4B | $5.1B | ||
| Q4 24 | $1.4B | $4.9B | ||
| Q3 24 | $1.4B | $4.9B | ||
| Q2 24 | $1.1B | $4.7B | ||
| Q1 24 | $1.0B | $4.5B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.75× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.27× | — |
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 | $28.9M | $-85.5M |
| Free Cash FlowOCF − Capex | $22.7M | $-90.4M |
| FCF MarginFCF / Revenue | 9.8% | -27.1% |
| Capex IntensityCapex / Revenue | 2.6% | 1.4% |
| Cash ConversionOCF / Net Profit | 2.81× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $162.0M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.9M | $-85.5M | ||
| Q3 25 | $61.8M | $-10.1M | ||
| Q2 25 | $60.6M | $-12.9M | ||
| Q1 25 | $27.3M | $-52.6M | ||
| Q4 24 | $11.6M | $-94.6M | ||
| Q3 24 | $66.8M | $-35.0M | ||
| Q2 24 | $62.7M | $-29.5M | ||
| Q1 24 | $22.4M | $-73.0M |
| Q4 25 | $22.7M | $-90.4M | ||
| Q3 25 | $58.7M | $-11.3M | ||
| Q2 25 | $57.7M | $-14.2M | ||
| Q1 25 | $22.8M | $-53.5M | ||
| Q4 24 | $8.5M | $-98.6M | ||
| Q3 24 | $61.3M | $-36.1M | ||
| Q2 24 | $59.6M | $-30.8M | ||
| Q1 24 | $17.5M | $-73.5M |
| Q4 25 | 9.8% | -27.1% | ||
| Q3 25 | 21.2% | -3.6% | ||
| Q2 25 | 21.9% | -4.9% | ||
| Q1 25 | 9.9% | -19.8% | ||
| Q4 24 | 4.4% | -33.6% | ||
| Q3 24 | 26.9% | -12.8% | ||
| Q2 24 | 26.3% | -10.8% | ||
| Q1 24 | 8.3% | -28.8% |
| Q4 25 | 2.6% | 1.4% | ||
| Q3 25 | 1.1% | 0.4% | ||
| Q2 25 | 1.1% | 0.4% | ||
| Q1 25 | 2.0% | 0.3% | ||
| Q4 24 | 1.6% | 1.4% | ||
| Q3 24 | 2.4% | 0.4% | ||
| Q2 24 | 1.4% | 0.5% | ||
| Q1 24 | 2.3% | 0.2% |
| Q4 25 | 2.81× | -1.51× | ||
| Q3 25 | 1.52× | — | ||
| Q2 25 | 1.48× | -0.30× | ||
| Q1 25 | 0.78× | -14.37× | ||
| Q4 24 | 0.43× | -5.13× | ||
| Q3 24 | 1.85× | -1.29× | ||
| Q2 24 | 1.62× | -1.37× | ||
| Q1 24 | 0.71× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
