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Side-by-side financial comparison of DELUXE CORP (DLX) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
DELUXE CORP is the larger business by last-quarter revenue ($535.2M vs $333.4M, roughly 1.6× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 2.2%, a 14.7% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 2.8%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 0.0%).
Deluxe Corporation is an American company that provides payment processing, data services, checks and promotional products, and merchant services. It operates in four divisions: B2B payments, data, print, and merchant services. As of 2025, the company serves millions of small businesses and thousands of financial institutions, processing more than $2.8 trillion in payments annually. While its legacy business centers on check printing and other printed products, payments and data services now ...
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.
DLX vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $535.2M | $333.4M |
| Net Profit | $12.0M | $56.5M |
| Gross Margin | 52.2% | — |
| Operating Margin | 8.9% | 37.7% |
| Net Margin | 2.2% | 17.0% |
| Revenue YoY | 2.8% | 13.7% |
| Net Profit YoY | -5.0% | 206.3% |
| EPS (diluted) | $0.25 | $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 | $535.2M | $333.4M | ||
| Q3 25 | $540.2M | $311.1M | ||
| Q2 25 | $521.3M | $287.7M | ||
| Q1 25 | $536.5M | $269.6M | ||
| Q4 24 | $520.6M | $293.2M | ||
| Q3 24 | $528.4M | $281.5M | ||
| Q2 24 | $537.8M | $284.2M | ||
| Q1 24 | $535.0M | $255.6M |
| Q4 25 | $12.0M | $56.5M | ||
| Q3 25 | $33.7M | $-407.7M | ||
| Q2 25 | $22.4M | $42.4M | ||
| Q1 25 | $14.0M | $3.7M | ||
| Q4 24 | $12.6M | $18.5M | ||
| Q3 24 | $8.9M | $27.2M | ||
| Q2 24 | $20.5M | $21.5M | ||
| Q1 24 | $10.8M | $3.5M |
| Q4 25 | 52.2% | — | ||
| Q3 25 | 53.9% | — | ||
| Q2 25 | 53.6% | — | ||
| Q1 25 | 52.4% | — | ||
| Q4 24 | 52.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 53.7% | — | ||
| Q1 24 | 53.0% | — |
| Q4 25 | 8.9% | 37.7% | ||
| Q3 25 | 14.0% | -101.4% | ||
| Q2 25 | 11.7% | 29.6% | ||
| Q1 25 | 9.0% | 27.7% | ||
| Q4 24 | 9.0% | 32.1% | ||
| Q3 24 | 7.9% | 32.0% | ||
| Q2 24 | 11.0% | 31.4% | ||
| Q1 24 | 8.3% | 26.0% |
| Q4 25 | 2.2% | 17.0% | ||
| Q3 25 | 6.2% | -131.0% | ||
| Q2 25 | 4.3% | 14.7% | ||
| Q1 25 | 2.6% | 1.4% | ||
| Q4 24 | 2.4% | 6.3% | ||
| Q3 24 | 1.7% | 9.6% | ||
| Q2 24 | 3.8% | 7.6% | ||
| Q1 24 | 2.0% | 1.4% |
| Q4 25 | $0.25 | $1.47 | ||
| Q3 25 | $0.74 | $-10.43 | ||
| Q2 25 | $0.50 | $1.08 | ||
| Q1 25 | $0.31 | $0.09 | ||
| Q4 24 | $0.28 | $0.47 | ||
| Q3 24 | $0.20 | $0.69 | ||
| Q2 24 | $0.46 | $0.54 | ||
| Q1 24 | $0.24 | $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 | $36.9M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $680.7M | $979.9M |
| Total Assets | $2.9B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $36.9M | $104.4M | ||
| Q3 25 | $25.8M | $107.5M | ||
| Q2 25 | $26.0M | $131.6M | ||
| Q1 25 | $30.3M | $128.7M | ||
| Q4 24 | $34.4M | $105.9M | ||
| Q3 24 | $41.3M | $141.1M | ||
| Q2 24 | $23.1M | $118.9M | ||
| Q1 24 | $23.5M | $108.1M |
| Q4 25 | $680.7M | $979.9M | ||
| Q3 25 | $664.1M | $928.5M | ||
| Q2 25 | $638.7M | $1.3B | ||
| Q1 25 | $622.5M | $1.2B | ||
| Q4 24 | $620.9M | $1.1B | ||
| Q3 24 | $612.7M | $1.2B | ||
| Q2 24 | $620.5M | $1.1B | ||
| Q1 24 | $608.4M | $1.1B |
| Q4 25 | $2.9B | $5.1B | ||
| Q3 25 | $2.6B | $5.0B | ||
| Q2 25 | $2.5B | $5.4B | ||
| Q1 25 | $2.6B | $5.1B | ||
| Q4 24 | $2.8B | $4.9B | ||
| Q3 24 | $2.6B | $4.9B | ||
| Q2 24 | $2.7B | $4.7B | ||
| Q1 24 | $2.7B | $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 | $102.1M | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 8.53× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $102.1M | $-85.5M | ||
| Q3 25 | $67.1M | $-10.1M | ||
| Q2 25 | $51.1M | $-12.9M | ||
| Q1 25 | $50.3M | $-52.6M | ||
| Q4 24 | $60.2M | $-94.6M | ||
| Q3 24 | $67.9M | $-35.0M | ||
| Q2 24 | $39.6M | $-29.5M | ||
| Q1 24 | $26.6M | $-73.0M |
| Q4 25 | — | $-90.4M | ||
| Q3 25 | — | $-11.3M | ||
| Q2 25 | $27.8M | $-14.2M | ||
| Q1 25 | $24.3M | $-53.5M | ||
| Q4 24 | — | $-98.6M | ||
| Q3 24 | $46.7M | $-36.1M | ||
| Q2 24 | $11.4M | $-30.8M | ||
| Q1 24 | $6.1M | $-73.5M |
| Q4 25 | — | -27.1% | ||
| Q3 25 | — | -3.6% | ||
| Q2 25 | 5.3% | -4.9% | ||
| Q1 25 | 4.5% | -19.8% | ||
| Q4 24 | — | -33.6% | ||
| Q3 24 | 8.8% | -12.8% | ||
| Q2 24 | 2.1% | -10.8% | ||
| Q1 24 | 1.1% | -28.8% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | 4.5% | 0.4% | ||
| Q1 25 | 4.8% | 0.3% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | 4.0% | 0.4% | ||
| Q2 24 | 5.2% | 0.5% | ||
| Q1 24 | 3.8% | 0.2% |
| Q4 25 | 8.53× | -1.51× | ||
| Q3 25 | 1.99× | — | ||
| Q2 25 | 2.28× | -0.30× | ||
| Q1 25 | 3.59× | -14.37× | ||
| Q4 24 | 4.77× | -5.13× | ||
| Q3 24 | 7.60× | -1.29× | ||
| Q2 24 | 1.94× | -1.37× | ||
| Q1 24 | 2.46× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DLX
| Services | $247.9M | 46% |
| B2B Payments | $76.3M | 14% |
| Datadrivenmarketingsolutions | $68.5M | 13% |
| Promotional Solutions Revenue | $60.9M | 11% |
| Treasurymanagementsolutions | $59.8M | 11% |
| Other | $17.3M | 3% |
| Other Web Based Solutions | $4.6M | 1% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
