vs

Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.

Encore Capital Group, Inc. is a publicly traded debt buyer based in the United States. The company is headquartered in San Diego, and operates throughout the United States. The firm is a publicly traded NASDAQ Global Select company (ECPG), a component stock of the Russell 2000, the S&P SmallCap 600, and the Wilshire 4500.

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.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
ECPG
ECPG
PRAA
PRAA
Q4 25
$333.4M
Q3 25
$311.1M
Q2 25
$287.7M
Q1 25
$269.6M
Q4 24
$293.2M
Q3 24
$281.5M
Q2 24
$284.2M
Q1 24
$255.6M
Net Profit
ECPG
ECPG
PRAA
PRAA
Q4 25
$56.5M
Q3 25
$-407.7M
Q2 25
$42.4M
Q1 25
$3.7M
Q4 24
$18.5M
Q3 24
$27.2M
Q2 24
$21.5M
Q1 24
$3.5M
Operating Margin
ECPG
ECPG
PRAA
PRAA
Q4 25
37.7%
Q3 25
-101.4%
Q2 25
29.6%
Q1 25
27.7%
Q4 24
32.1%
Q3 24
32.0%
Q2 24
31.4%
Q1 24
26.0%
Net Margin
ECPG
ECPG
PRAA
PRAA
Q4 25
17.0%
Q3 25
-131.0%
Q2 25
14.7%
Q1 25
1.4%
Q4 24
6.3%
Q3 24
9.6%
Q2 24
7.6%
Q1 24
1.4%
EPS (diluted)
ECPG
ECPG
PRAA
PRAA
Q4 25
$1.47
Q3 25
$-10.43
Q2 25
$1.08
Q1 25
$0.09
Q4 24
$0.47
Q3 24
$0.69
Q2 24
$0.54
Q1 24
$0.09

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Related Comparisons