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Side-by-side financial comparison of EverQuote, Inc. (EVER) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $195.3M, roughly 1.7× EverQuote, Inc.). EverQuote, Inc. runs the higher net margin — 29.6% vs 17.0%, a 12.6% gap on every dollar of revenue. On growth, EverQuote, Inc. posted the faster year-over-year revenue change (32.5% vs 13.7%). Over the past eight quarters, EverQuote, Inc.'s revenue compounded faster (29.1% CAGR vs 14.2%).
EverQuote, Inc. is an online insurance marketplace founded in 2011 and based in Cambridge, Massachusetts.
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.
EVER vs PRAA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $195.3M | $333.4M |
| Net Profit | $57.8M | $56.5M |
| Gross Margin | 97.7% | — |
| Operating Margin | 9.5% | 37.7% |
| Net Margin | 29.6% | 17.0% |
| Revenue YoY | 32.5% | 13.7% |
| Net Profit YoY | 369.3% | 206.3% |
| EPS (diluted) | $1.54 | $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.
| Q1 26 | $195.3M | — | ||
| Q4 25 | $195.3M | $333.4M | ||
| Q3 25 | $173.9M | $311.1M | ||
| Q2 25 | $156.6M | $287.7M | ||
| Q1 25 | $166.6M | $269.6M | ||
| Q4 24 | $147.5M | $293.2M | ||
| Q3 24 | $144.5M | $281.5M | ||
| Q2 24 | $117.1M | $284.2M |
| Q1 26 | $57.8M | — | ||
| Q4 25 | $57.8M | $56.5M | ||
| Q3 25 | $18.9M | $-407.7M | ||
| Q2 25 | $14.7M | $42.4M | ||
| Q1 25 | $8.0M | $3.7M | ||
| Q4 24 | $12.3M | $18.5M | ||
| Q3 24 | $11.6M | $27.2M | ||
| Q2 24 | $6.4M | $21.5M |
| Q1 26 | 97.7% | — | ||
| Q4 25 | 97.7% | — | ||
| Q3 25 | 97.3% | — | ||
| Q2 25 | 96.9% | — | ||
| Q1 25 | 96.8% | — | ||
| Q4 24 | 96.3% | — | ||
| Q3 24 | 96.2% | — | ||
| Q2 24 | 95.7% | — |
| Q1 26 | 9.5% | — | ||
| Q4 25 | 9.5% | 37.7% | ||
| Q3 25 | 10.1% | -101.4% | ||
| Q2 25 | 9.0% | 29.6% | ||
| Q1 25 | 4.8% | 27.7% | ||
| Q4 24 | 8.2% | 32.1% | ||
| Q3 24 | 8.1% | 32.0% | ||
| Q2 24 | 5.4% | 31.4% |
| Q1 26 | 29.6% | — | ||
| Q4 25 | 29.6% | 17.0% | ||
| Q3 25 | 10.8% | -131.0% | ||
| Q2 25 | 9.4% | 14.7% | ||
| Q1 25 | 4.8% | 1.4% | ||
| Q4 24 | 8.3% | 6.3% | ||
| Q3 24 | 8.0% | 9.6% | ||
| Q2 24 | 5.5% | 7.6% |
| Q1 26 | $1.54 | — | ||
| Q4 25 | $1.53 | $1.47 | ||
| Q3 25 | $0.50 | $-10.43 | ||
| Q2 25 | $0.39 | $1.08 | ||
| Q1 25 | $0.21 | $0.09 | ||
| Q4 24 | $0.35 | $0.47 | ||
| Q3 24 | $0.31 | $0.69 | ||
| Q2 24 | $0.17 | $0.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $171.4M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $238.0M | $979.9M |
| Total Assets | $326.9M | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $171.4M | — | ||
| Q4 25 | $171.4M | $104.4M | ||
| Q3 25 | $145.8M | $107.5M | ||
| Q2 25 | $148.2M | $131.6M | ||
| Q1 25 | $125.0M | $128.7M | ||
| Q4 24 | $102.1M | $105.9M | ||
| Q3 24 | $82.8M | $141.1M | ||
| Q2 24 | $60.9M | $118.9M |
| Q1 26 | $238.0M | — | ||
| Q4 25 | $238.0M | $979.9M | ||
| Q3 25 | $174.9M | $928.5M | ||
| Q2 25 | $170.3M | $1.3B | ||
| Q1 25 | $149.5M | $1.2B | ||
| Q4 24 | $135.4M | $1.1B | ||
| Q3 24 | $117.7M | $1.2B | ||
| Q2 24 | $100.8M | $1.1B |
| Q1 26 | $326.9M | — | ||
| Q4 25 | $326.9M | $5.1B | ||
| Q3 25 | $256.1M | $5.0B | ||
| Q2 25 | $241.4M | $5.4B | ||
| Q1 25 | $232.1M | $5.1B | ||
| Q4 24 | $210.5M | $4.9B | ||
| Q3 24 | $180.5M | $4.9B | ||
| Q2 24 | $158.0M | $4.7B |
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 | $27.0M | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 0.47× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $27.0M | — | ||
| Q4 25 | $27.0M | $-85.5M | ||
| Q3 25 | $19.8M | $-10.1M | ||
| Q2 25 | $25.3M | $-12.9M | ||
| Q1 25 | $23.3M | $-52.6M | ||
| Q4 24 | $20.1M | $-94.6M | ||
| Q3 24 | $23.6M | $-35.0M | ||
| Q2 24 | $12.4M | $-29.5M |
| Q1 26 | — | — | ||
| Q4 25 | $25.8M | $-90.4M | ||
| Q3 25 | $18.5M | $-11.3M | ||
| Q2 25 | $23.8M | $-14.2M | ||
| Q1 25 | $22.2M | $-53.5M | ||
| Q4 24 | $19.1M | $-98.6M | ||
| Q3 24 | $22.1M | $-36.1M | ||
| Q2 24 | $11.5M | $-30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 13.2% | -27.1% | ||
| Q3 25 | 10.6% | -3.6% | ||
| Q2 25 | 15.2% | -4.9% | ||
| Q1 25 | 13.3% | -19.8% | ||
| Q4 24 | 13.0% | -33.6% | ||
| Q3 24 | 15.3% | -12.8% | ||
| Q2 24 | 9.8% | -10.8% |
| Q1 26 | — | — | ||
| Q4 25 | 0.6% | 1.4% | ||
| Q3 25 | 0.7% | 0.4% | ||
| Q2 25 | 0.9% | 0.4% | ||
| Q1 25 | 0.7% | 0.3% | ||
| Q4 24 | 0.7% | 1.4% | ||
| Q3 24 | 1.0% | 0.4% | ||
| Q2 24 | 0.7% | 0.5% |
| Q1 26 | 0.47× | — | ||
| Q4 25 | 0.47× | -1.51× | ||
| Q3 25 | 1.05× | — | ||
| Q2 25 | 1.72× | -0.30× | ||
| Q1 25 | 2.92× | -14.37× | ||
| Q4 24 | 1.64× | -5.13× | ||
| Q3 24 | 2.04× | -1.29× | ||
| Q2 24 | 1.93× | -1.37× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EVER
| Automotive | $179.9M | 92% |
| Home and renters | $15.4M | 8% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
