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Side-by-side financial comparison of Citi Trends Inc (CTRN) 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 $197.1M, roughly 1.7× Citi Trends Inc). PRA GROUP INC runs the higher net margin — 17.0% vs -3.5%, a 20.5% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 10.1%). Citi Trends Inc produced more free cash flow last quarter ($767.0K vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
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.
CTRN vs PRAA — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $333.4M |
| Net Profit | $-6.9M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 37.7% |
| Net Margin | -3.5% | 17.0% |
| Revenue YoY | 10.1% | 13.7% |
| Net Profit YoY | 3.6% | 206.3% |
| EPS (diluted) | $-0.86 | $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 | $197.1M | $333.4M | ||
| Q3 25 | $190.8M | $311.1M | ||
| Q2 25 | $201.7M | $287.7M | ||
| Q1 25 | $211.2M | $269.6M | ||
| Q4 24 | $179.1M | $293.2M | ||
| Q3 24 | $176.6M | $281.5M | ||
| Q2 24 | $186.3M | $284.2M | ||
| Q1 24 | $215.2M | $255.6M |
| Q4 25 | $-6.9M | $56.5M | ||
| Q3 25 | $3.8M | $-407.7M | ||
| Q2 25 | $871.0K | $42.4M | ||
| Q1 25 | $-14.2M | $3.7M | ||
| Q4 24 | $-7.2M | $18.5M | ||
| Q3 24 | $-18.4M | $27.2M | ||
| Q2 24 | $-3.4M | $21.5M | ||
| Q1 24 | $3.6M | $3.5M |
| Q4 25 | -3.7% | 37.7% | ||
| Q3 25 | 1.8% | -101.4% | ||
| Q2 25 | 0.2% | 29.6% | ||
| Q1 25 | 0.6% | 27.7% | ||
| Q4 24 | -4.9% | 32.1% | ||
| Q3 24 | -14.1% | 32.0% | ||
| Q2 24 | -3.7% | 31.4% | ||
| Q1 24 | 1.8% | 26.0% |
| Q4 25 | -3.5% | 17.0% | ||
| Q3 25 | 2.0% | -131.0% | ||
| Q2 25 | 0.4% | 14.7% | ||
| Q1 25 | -6.7% | 1.4% | ||
| Q4 24 | -4.0% | 6.3% | ||
| Q3 24 | -10.4% | 9.6% | ||
| Q2 24 | -1.8% | 7.6% | ||
| Q1 24 | 1.7% | 1.4% |
| Q4 25 | $-0.86 | $1.47 | ||
| Q3 25 | $0.46 | $-10.43 | ||
| Q2 25 | $0.11 | $1.08 | ||
| Q1 25 | $-1.70 | $0.09 | ||
| Q4 24 | $-0.86 | $0.47 | ||
| Q3 24 | $-2.21 | $0.69 | ||
| Q2 24 | $-0.42 | $0.54 | ||
| Q1 24 | $0.43 | $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 | — | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $979.9M |
| Total Assets | $464.3M | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.4M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $131.6M | ||
| Q1 25 | — | $128.7M | ||
| Q4 24 | — | $105.9M | ||
| Q3 24 | — | $141.1M | ||
| Q2 24 | — | $118.9M | ||
| Q1 24 | — | $108.1M |
| Q4 25 | $107.8M | $979.9M | ||
| Q3 25 | $113.2M | $928.5M | ||
| Q2 25 | $108.6M | $1.3B | ||
| Q1 25 | $113.2M | $1.2B | ||
| Q4 24 | $130.3M | $1.1B | ||
| Q3 24 | $136.6M | $1.2B | ||
| Q2 24 | $154.8M | $1.1B | ||
| Q1 24 | $157.7M | $1.1B |
| Q4 25 | $464.3M | $5.1B | ||
| Q3 25 | $457.4M | $5.0B | ||
| Q2 25 | $437.4M | $5.4B | ||
| Q1 25 | $462.8M | $5.1B | ||
| Q4 24 | $467.1M | $4.9B | ||
| Q3 24 | $506.7M | $4.9B | ||
| Q2 24 | $484.1M | $4.7B | ||
| Q1 24 | $518.7M | $4.5B |
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 | $8.6M | $-85.5M |
| Free Cash FlowOCF − Capex | $767.0K | $-90.4M |
| FCF MarginFCF / Revenue | 0.4% | -27.1% |
| Capex IntensityCapex / Revenue | 4.0% | 1.4% |
| Cash ConversionOCF / Net Profit | — | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $-85.5M | ||
| Q3 25 | $3.9M | $-10.1M | ||
| Q2 25 | $-11.0M | $-12.9M | ||
| Q1 25 | $28.5M | $-52.6M | ||
| Q4 24 | $-18.4M | $-94.6M | ||
| Q3 24 | $5.6M | $-35.0M | ||
| Q2 24 | $-19.6M | $-29.5M | ||
| Q1 24 | $23.3M | $-73.0M |
| Q4 25 | $767.0K | $-90.4M | ||
| Q3 25 | $-1.7M | $-11.3M | ||
| Q2 25 | $-13.1M | $-14.2M | ||
| Q1 25 | $26.0M | $-53.5M | ||
| Q4 24 | $-20.4M | $-98.6M | ||
| Q3 24 | $1.7M | $-36.1M | ||
| Q2 24 | $-21.2M | $-30.8M | ||
| Q1 24 | $20.0M | $-73.5M |
| Q4 25 | 0.4% | -27.1% | ||
| Q3 25 | -0.9% | -3.6% | ||
| Q2 25 | -6.5% | -4.9% | ||
| Q1 25 | 12.3% | -19.8% | ||
| Q4 24 | -11.4% | -33.6% | ||
| Q3 24 | 0.9% | -12.8% | ||
| Q2 24 | -11.4% | -10.8% | ||
| Q1 24 | 9.3% | -28.8% |
| Q4 25 | 4.0% | 1.4% | ||
| Q3 25 | 2.9% | 0.4% | ||
| Q2 25 | 1.0% | 0.4% | ||
| Q1 25 | 1.2% | 0.3% | ||
| Q4 24 | 1.1% | 1.4% | ||
| Q3 24 | 2.2% | 0.4% | ||
| Q2 24 | 0.9% | 0.5% | ||
| Q1 24 | 1.5% | 0.2% |
| Q4 25 | — | -1.51× | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | -12.59× | -0.30× | ||
| Q1 25 | — | -14.37× | ||
| Q4 24 | — | -5.13× | ||
| Q3 24 | — | -1.29× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | 6.56× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
