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Side-by-side financial comparison of Dayforce (DAY) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
Dayforce is the larger business by last-quarter revenue ($481.6M vs $333.4M, roughly 1.4× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs -40.9%, a 57.8% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 9.5%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 9.8%).
Dayforce, Inc., formerly Ceridian, is an American human resources software and services company.
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.
DAY vs PRAA — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $481.6M | $333.4M |
| Net Profit | $-196.8M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | 6.3% | 37.7% |
| Net Margin | -40.9% | 17.0% |
| Revenue YoY | 9.5% | 13.7% |
| Net Profit YoY | -9940.0% | 206.3% |
| EPS (diluted) | $-1.23 | $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 | — | $333.4M | ||
| Q3 25 | $481.6M | $311.1M | ||
| Q2 25 | $464.7M | $287.7M | ||
| Q1 25 | $481.8M | $269.6M | ||
| Q4 24 | $465.2M | $293.2M | ||
| Q3 24 | $440.0M | $281.5M | ||
| Q2 24 | $423.3M | $284.2M | ||
| Q1 24 | $431.5M | $255.6M |
| Q4 25 | — | $56.5M | ||
| Q3 25 | $-196.8M | $-407.7M | ||
| Q2 25 | $21.3M | $42.4M | ||
| Q1 25 | $14.9M | $3.7M | ||
| Q4 24 | $10.8M | $18.5M | ||
| Q3 24 | $2.0M | $27.2M | ||
| Q2 24 | $-1.8M | $21.5M | ||
| Q1 24 | $7.1M | $3.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — | ||
| Q1 24 | 47.6% | — |
| Q4 25 | — | 37.7% | ||
| Q3 25 | 6.3% | -101.4% | ||
| Q2 25 | 9.1% | 29.6% | ||
| Q1 25 | 6.4% | 27.7% | ||
| Q4 24 | 6.1% | 32.1% | ||
| Q3 24 | 4.7% | 32.0% | ||
| Q2 24 | 3.3% | 31.4% | ||
| Q1 24 | 9.4% | 26.0% |
| Q4 25 | — | 17.0% | ||
| Q3 25 | -40.9% | -131.0% | ||
| Q2 25 | 4.6% | 14.7% | ||
| Q1 25 | 3.1% | 1.4% | ||
| Q4 24 | 2.3% | 6.3% | ||
| Q3 24 | 0.5% | 9.6% | ||
| Q2 24 | -0.4% | 7.6% | ||
| Q1 24 | 1.6% | 1.4% |
| Q4 25 | — | $1.47 | ||
| Q3 25 | $-1.23 | $-10.43 | ||
| Q2 25 | $0.13 | $1.08 | ||
| Q1 25 | $0.09 | $0.09 | ||
| Q4 24 | $0.07 | $0.47 | ||
| Q3 24 | $0.01 | $0.69 | ||
| Q2 24 | $-0.01 | $0.54 | ||
| Q1 24 | $0.04 | $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 | $627.6M | $104.4M |
| Total DebtLower is stronger | $631.1M | — |
| Stockholders' EquityBook value | $2.7B | $979.9M |
| Total Assets | $8.7B | $5.1B |
| Debt / EquityLower = less leverage | 0.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.4M | ||
| Q3 25 | $627.6M | $107.5M | ||
| Q2 25 | $625.2M | $131.6M | ||
| Q1 25 | $557.3M | $128.7M | ||
| Q4 24 | $579.7M | $105.9M | ||
| Q3 24 | $494.1M | $141.1M | ||
| Q2 24 | $465.4M | $118.9M | ||
| Q1 24 | $392.5M | $108.1M |
| Q4 25 | — | — | ||
| Q3 25 | $631.1M | — | ||
| Q2 25 | $631.8M | — | ||
| Q1 25 | $632.4M | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.2B | — |
| Q4 25 | — | $979.9M | ||
| Q3 25 | $2.7B | $928.5M | ||
| Q2 25 | $2.7B | $1.3B | ||
| Q1 25 | $2.6B | $1.2B | ||
| Q4 24 | $2.5B | $1.1B | ||
| Q3 24 | $2.6B | $1.2B | ||
| Q2 24 | $2.5B | $1.1B | ||
| Q1 24 | $2.4B | $1.1B |
| Q4 25 | — | $5.1B | ||
| Q3 25 | $8.7B | $5.0B | ||
| Q2 25 | $8.5B | $5.4B | ||
| Q1 25 | $9.5B | $5.1B | ||
| Q4 24 | $9.1B | $4.9B | ||
| Q3 24 | $8.1B | $4.9B | ||
| Q2 24 | $9.0B | $4.7B | ||
| Q1 24 | $10.8B | $4.5B |
| Q4 25 | — | — | ||
| Q3 25 | 0.23× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.47× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.49× | — | ||
| Q1 24 | 0.50× | — |
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 | $31.2M | $-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 | $31.2M | $-10.1M | ||
| Q2 25 | $112.7M | $-12.9M | ||
| Q1 25 | $49.6M | $-52.6M | ||
| Q4 24 | $81.0M | $-94.6M | ||
| Q3 24 | $91.8M | $-35.0M | ||
| Q2 24 | $99.2M | $-29.5M | ||
| Q1 24 | $9.1M | $-73.0M |
| Q4 25 | — | $-90.4M | ||
| Q3 25 | — | $-11.3M | ||
| Q2 25 | — | $-14.2M | ||
| Q1 25 | — | $-53.5M | ||
| Q4 24 | — | $-98.6M | ||
| Q3 24 | — | $-36.1M | ||
| Q2 24 | — | $-30.8M | ||
| Q1 24 | — | $-73.5M |
| Q4 25 | — | -27.1% | ||
| Q3 25 | — | -3.6% | ||
| Q2 25 | — | -4.9% | ||
| Q1 25 | — | -19.8% | ||
| Q4 24 | — | -33.6% | ||
| Q3 24 | — | -12.8% | ||
| Q2 24 | — | -10.8% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 0.4% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.2% |
| Q4 25 | — | -1.51× | ||
| Q3 25 | — | — | ||
| Q2 25 | 5.29× | -0.30× | ||
| Q1 25 | 3.33× | -14.37× | ||
| Q4 24 | 7.50× | -5.13× | ||
| Q3 24 | 45.90× | -1.29× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | 1.28× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
