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Side-by-side financial comparison of Essex Property Trust (ESS) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
Essex Property Trust is the larger business by last-quarter revenue ($479.6M vs $333.4M, roughly 1.4× PRA GROUP INC). Essex Property Trust runs the higher net margin — 17.9% vs 17.0%, a 0.9% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 5.5%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 6.0%).
Essex Property Trust is a publicly traded real estate investment trust that invests in apartments in California and in the Seattle metropolitan area.
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.
ESS vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $479.6M | $333.4M |
| Net Profit | $85.7M | $56.5M |
| Gross Margin | 70.0% | — |
| Operating Margin | 31.7% | 37.7% |
| Net Margin | 17.9% | 17.0% |
| Revenue YoY | 5.5% | 13.7% |
| Net Profit YoY | -71.6% | 206.3% |
| EPS (diluted) | $1.24 | $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 | $479.6M | $333.4M | ||
| Q3 25 | $473.3M | $311.1M | ||
| Q2 25 | $469.8M | $287.7M | ||
| Q1 25 | $464.6M | $269.6M | ||
| Q4 24 | $454.5M | $293.2M | ||
| Q3 24 | $450.7M | $281.5M | ||
| Q2 24 | $442.4M | $284.2M | ||
| Q1 24 | $426.9M | $255.6M |
| Q4 25 | $85.7M | $56.5M | ||
| Q3 25 | $172.7M | $-407.7M | ||
| Q2 25 | $231.5M | $42.4M | ||
| Q1 25 | $212.8M | $3.7M | ||
| Q4 24 | $301.7M | $18.5M | ||
| Q3 24 | $125.5M | $27.2M | ||
| Q2 24 | $99.0M | $21.5M | ||
| Q1 24 | $285.1M | $3.5M |
| Q4 25 | 70.0% | — | ||
| Q3 25 | 69.2% | — | ||
| Q2 25 | 70.7% | — | ||
| Q1 25 | 69.6% | — | ||
| Q4 24 | 70.0% | — | ||
| Q3 24 | 69.5% | — | ||
| Q2 24 | 70.8% | — | ||
| Q1 24 | 69.7% | — |
| Q4 25 | 31.7% | 37.7% | ||
| Q3 25 | 44.5% | -101.4% | ||
| Q2 25 | 59.5% | 29.6% | ||
| Q1 25 | 55.3% | 27.7% | ||
| Q4 24 | 67.0% | 32.1% | ||
| Q3 24 | 28.6% | 32.0% | ||
| Q2 24 | 31.1% | 31.4% | ||
| Q1 24 | 31.0% | 26.0% |
| Q4 25 | 17.9% | 17.0% | ||
| Q3 25 | 36.5% | -131.0% | ||
| Q2 25 | 49.3% | 14.7% | ||
| Q1 25 | 45.8% | 1.4% | ||
| Q4 24 | 66.4% | 6.3% | ||
| Q3 24 | 27.8% | 9.6% | ||
| Q2 24 | 22.4% | 7.6% | ||
| Q1 24 | 66.8% | 1.4% |
| Q4 25 | $1.24 | $1.47 | ||
| Q3 25 | $2.56 | $-10.43 | ||
| Q2 25 | $3.44 | $1.08 | ||
| Q1 25 | $3.16 | $0.09 | ||
| Q4 24 | $4.00 | $0.47 | ||
| Q3 24 | $1.84 | $0.69 | ||
| Q2 24 | $1.45 | $0.54 | ||
| Q1 24 | $4.25 | $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 | $76.2M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.5B | $979.9M |
| Total Assets | $13.2B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $76.2M | $104.4M | ||
| Q3 25 | $66.0M | $107.5M | ||
| Q2 25 | $58.7M | $131.6M | ||
| Q1 25 | $98.7M | $128.7M | ||
| Q4 24 | $66.8M | $105.9M | ||
| Q3 24 | $71.3M | $141.1M | ||
| Q2 24 | $55.2M | $118.9M | ||
| Q1 24 | $499.0M | $108.1M |
| Q4 25 | — | — | ||
| Q3 25 | $6.4B | — | ||
| Q2 25 | $6.4B | — | ||
| Q1 25 | $6.8B | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $6.4B | — | ||
| Q2 24 | $6.2B | — | ||
| Q1 24 | $6.6B | — |
| Q4 25 | $5.5B | $979.9M | ||
| Q3 25 | $5.6B | $928.5M | ||
| Q2 25 | $5.6B | $1.3B | ||
| Q1 25 | $5.6B | $1.2B | ||
| Q4 24 | $5.5B | $1.1B | ||
| Q3 24 | $5.4B | $1.2B | ||
| Q2 24 | $5.5B | $1.1B | ||
| Q1 24 | $5.5B | $1.1B |
| Q4 25 | $13.2B | $5.1B | ||
| Q3 25 | $13.2B | $5.0B | ||
| Q2 25 | $13.2B | $5.4B | ||
| Q1 25 | $13.2B | $5.1B | ||
| Q4 24 | $12.9B | $4.9B | ||
| Q3 24 | $12.6B | $4.9B | ||
| Q2 24 | $12.5B | $4.7B | ||
| Q1 24 | $12.9B | $4.5B |
| Q4 25 | — | — | ||
| Q3 25 | 1.15× | — | ||
| Q2 25 | 1.14× | — | ||
| Q1 25 | 1.22× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.18× | — | ||
| Q2 24 | 1.13× | — | ||
| Q1 24 | 1.19× | — |
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 | $1.1B | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 12.53× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.1B | $-85.5M | ||
| Q3 25 | $342.6M | $-10.1M | ||
| Q2 25 | $216.1M | $-12.9M | ||
| Q1 25 | $281.5M | $-52.6M | ||
| Q4 24 | $1.1B | $-94.6M | ||
| Q3 24 | $316.2M | $-35.0M | ||
| Q2 24 | $218.9M | $-29.5M | ||
| Q1 24 | $314.9M | $-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 | 12.53× | -1.51× | ||
| Q3 25 | 1.98× | — | ||
| Q2 25 | 0.93× | -0.30× | ||
| Q1 25 | 1.32× | -14.37× | ||
| Q4 24 | 3.54× | -5.13× | ||
| Q3 24 | 2.52× | -1.29× | ||
| Q2 24 | 2.21× | -1.37× | ||
| Q1 24 | 1.10× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ESS
Segment breakdown not available.
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
