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Side-by-side financial comparison of dLocal Ltd (DLO) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
dLocal Ltd is the larger business by last-quarter revenue ($337.9M vs $333.4M, roughly 1.0× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 16.5%, a 0.5% gap on every dollar of revenue. On growth, dLocal Ltd posted the faster year-over-year revenue change (65.2% vs 13.7%). dLocal Ltd produced more free cash flow last quarter ($99.8M vs $-90.4M).
dLocal Limited is a Uruguayan financial technology company. It provides cross-border payments connecting global merchants to emerging markets.
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.
DLO vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $337.9M | $333.4M |
| Net Profit | $55.6M | $56.5M |
| Gross Margin | 34.3% | — |
| Operating Margin | 18.6% | 37.7% |
| Net Margin | 16.5% | 17.0% |
| Revenue YoY | 65.2% | 13.7% |
| Net Profit YoY | 87.3% | 206.3% |
| EPS (diluted) | $0.18 | $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 | $337.9M | $333.4M | ||
| Q3 25 | $282.5M | $311.1M | ||
| Q2 25 | — | $287.7M | ||
| Q1 25 | — | $269.6M | ||
| Q4 24 | $204.5M | $293.2M | ||
| Q3 24 | $185.8M | $281.5M | ||
| Q2 24 | — | $284.2M | ||
| Q1 24 | — | $255.6M |
| Q4 25 | $55.6M | $56.5M | ||
| Q3 25 | $141.3M | $-407.7M | ||
| Q2 25 | — | $42.4M | ||
| Q1 25 | — | $3.7M | ||
| Q4 24 | $29.7M | $18.5M | ||
| Q3 24 | $90.8M | $27.2M | ||
| Q2 24 | — | $21.5M | ||
| Q1 24 | — | $3.5M |
| Q4 25 | 34.3% | — | ||
| Q3 25 | 36.5% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 40.9% | — | ||
| Q3 24 | 42.1% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 18.6% | 37.7% | ||
| Q3 25 | 19.7% | -101.4% | ||
| Q2 25 | — | 29.6% | ||
| Q1 25 | — | 27.7% | ||
| Q4 24 | 20.7% | 32.1% | ||
| Q3 24 | 22.1% | 32.0% | ||
| Q2 24 | — | 31.4% | ||
| Q1 24 | — | 26.0% |
| Q4 25 | 16.5% | 17.0% | ||
| Q3 25 | 50.0% | -131.0% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 1.4% | ||
| Q4 24 | 14.5% | 6.3% | ||
| Q3 24 | 48.9% | 9.6% | ||
| Q2 24 | — | 7.6% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | $0.18 | $1.47 | ||
| Q3 25 | $0.17 | $-10.43 | ||
| Q2 25 | — | $1.08 | ||
| Q1 25 | — | $0.09 | ||
| Q4 24 | $0.09 | $0.47 | ||
| Q3 24 | $0.09 | $0.69 | ||
| Q2 24 | — | $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 | $719.9M | $104.4M |
| Total DebtLower is stronger | $86.7M | — |
| Stockholders' EquityBook value | $569.4M | $979.9M |
| Total Assets | $1.5B | $5.1B |
| Debt / EquityLower = less leverage | 0.15× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $719.9M | $104.4M | ||
| Q3 25 | $604.5M | $107.5M | ||
| Q2 25 | — | $131.6M | ||
| Q1 25 | — | $128.7M | ||
| Q4 24 | $425.2M | $105.9M | ||
| Q3 24 | $560.5M | $141.1M | ||
| Q2 24 | — | $118.9M | ||
| Q1 24 | — | $108.1M |
| Q4 25 | $86.7M | — | ||
| Q3 25 | $63.1M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $39.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $569.4M | $979.9M | ||
| Q3 25 | $504.7M | $928.5M | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | $489.0M | $1.1B | ||
| Q3 24 | $457.0M | $1.2B | ||
| Q2 24 | — | $1.1B | ||
| Q1 24 | — | $1.1B |
| Q4 25 | $1.5B | $5.1B | ||
| Q3 25 | $1.4B | $5.0B | ||
| Q2 25 | — | $5.4B | ||
| Q1 25 | — | $5.1B | ||
| Q4 24 | $1.2B | $4.9B | ||
| Q3 24 | — | $4.9B | ||
| Q2 24 | — | $4.7B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.12× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.08× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $100.4M | $-85.5M |
| Free Cash FlowOCF − Capex | $99.8M | $-90.4M |
| FCF MarginFCF / Revenue | 29.5% | -27.1% |
| Capex IntensityCapex / Revenue | 0.2% | 1.4% |
| Cash ConversionOCF / Net Profit | 1.80× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $378.7M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $100.4M | $-85.5M | ||
| Q3 25 | $315.0M | $-10.1M | ||
| Q2 25 | — | $-12.9M | ||
| Q1 25 | — | $-52.6M | ||
| Q4 24 | $-141.1M | $-94.6M | ||
| Q3 24 | $108.3M | $-35.0M | ||
| Q2 24 | — | $-29.5M | ||
| Q1 24 | — | $-73.0M |
| Q4 25 | $99.8M | $-90.4M | ||
| Q3 25 | $313.4M | $-11.3M | ||
| Q2 25 | — | $-14.2M | ||
| Q1 25 | — | $-53.5M | ||
| Q4 24 | $-141.6M | $-98.6M | ||
| Q3 24 | $107.1M | $-36.1M | ||
| Q2 24 | — | $-30.8M | ||
| Q1 24 | — | $-73.5M |
| Q4 25 | 29.5% | -27.1% | ||
| Q3 25 | 110.9% | -3.6% | ||
| Q2 25 | — | -4.9% | ||
| Q1 25 | — | -19.8% | ||
| Q4 24 | -69.2% | -33.6% | ||
| Q3 24 | 57.6% | -12.8% | ||
| Q2 24 | — | -10.8% | ||
| Q1 24 | — | -28.8% |
| Q4 25 | 0.2% | 1.4% | ||
| Q3 25 | 0.6% | 0.4% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | 0.2% | 1.4% | ||
| Q3 24 | 0.7% | 0.4% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.2% |
| Q4 25 | 1.80× | -1.51× | ||
| Q3 25 | 2.23× | — | ||
| Q2 25 | — | -0.30× | ||
| Q1 25 | — | -14.37× | ||
| Q4 24 | -4.75× | -5.13× | ||
| Q3 24 | 1.19× | -1.29× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | — | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DLO
Segment breakdown not available.
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
