vs
Side-by-side financial comparison of FULTON FINANCIAL CORP (FULT) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
FULTON FINANCIAL CORP is the larger business by last-quarter revenue ($336.2M vs $333.4M, roughly 1.0× PRA GROUP INC). FULTON FINANCIAL CORP runs the higher net margin — 28.2% vs 17.0%, a 11.2% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 4.2%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 0.2%).
Fulton Financial Corporation is an American regional financial services holding company, headquartered in Lancaster, Pennsylvania.
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.
FULT vs PRAA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $336.2M | $333.4M |
| Net Profit | $94.8M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | — | 37.7% |
| Net Margin | 28.2% | 17.0% |
| Revenue YoY | 4.2% | 13.7% |
| Net Profit YoY | -4.3% | 206.3% |
| EPS (diluted) | $0.55 | $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 | $336.2M | — | ||
| Q4 25 | $336.0M | $333.4M | ||
| Q3 25 | $334.6M | $311.1M | ||
| Q2 25 | $324.1M | $287.7M | ||
| Q1 25 | $318.4M | $269.6M | ||
| Q4 24 | $319.6M | $293.2M | ||
| Q3 24 | $317.7M | $281.5M | ||
| Q2 24 | $334.7M | $284.2M |
| Q1 26 | $94.8M | — | ||
| Q4 25 | $99.0M | $56.5M | ||
| Q3 25 | $100.5M | $-407.7M | ||
| Q2 25 | $99.2M | $42.4M | ||
| Q1 25 | $93.0M | $3.7M | ||
| Q4 24 | $68.6M | $18.5M | ||
| Q3 24 | $63.2M | $27.2M | ||
| Q2 24 | $95.0M | $21.5M |
| Q1 26 | — | — | ||
| Q4 25 | 35.7% | 37.7% | ||
| Q3 25 | 38.2% | -101.4% | ||
| Q2 25 | 37.8% | 29.6% | ||
| Q1 25 | 36.1% | 27.7% | ||
| Q4 24 | 27.0% | 32.1% | ||
| Q3 24 | 25.1% | 32.0% | ||
| Q2 24 | 30.8% | 31.4% |
| Q1 26 | 28.2% | — | ||
| Q4 25 | 29.5% | 17.0% | ||
| Q3 25 | 30.0% | -131.0% | ||
| Q2 25 | 30.6% | 14.7% | ||
| Q1 25 | 29.2% | 1.4% | ||
| Q4 24 | 21.5% | 6.3% | ||
| Q3 24 | 19.9% | 9.6% | ||
| Q2 24 | 28.4% | 7.6% |
| Q1 26 | $0.55 | — | ||
| Q4 25 | $0.53 | $1.47 | ||
| Q3 25 | $0.53 | $-10.43 | ||
| Q2 25 | $0.53 | $1.08 | ||
| Q1 25 | $0.49 | $0.09 | ||
| Q4 24 | $0.36 | $0.47 | ||
| Q3 24 | $0.33 | $0.69 | ||
| Q2 24 | $0.52 | $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 | — | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $3.5B | $979.9M |
| Total Assets | $32.2B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $104.4M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $131.6M | ||
| Q1 25 | — | $128.7M | ||
| Q4 24 | — | $105.9M | ||
| Q3 24 | — | $141.1M | ||
| Q2 24 | — | $118.9M |
| Q1 26 | $3.5B | — | ||
| Q4 25 | $3.5B | $979.9M | ||
| Q3 25 | $3.4B | $928.5M | ||
| Q2 25 | $3.3B | $1.3B | ||
| Q1 25 | $3.3B | $1.2B | ||
| Q4 24 | $3.2B | $1.1B | ||
| Q3 24 | $3.2B | $1.2B | ||
| Q2 24 | $3.1B | $1.1B |
| Q1 26 | $32.2B | — | ||
| Q4 25 | $32.1B | $5.1B | ||
| Q3 25 | $32.0B | $5.0B | ||
| Q2 25 | $32.0B | $5.4B | ||
| Q1 25 | $32.1B | $5.1B | ||
| Q4 24 | $32.1B | $4.9B | ||
| Q3 24 | $32.2B | $4.9B | ||
| Q2 24 | $31.8B | $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 | — | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | — | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $304.5M | $-85.5M | ||
| Q3 25 | $116.1M | $-10.1M | ||
| Q2 25 | $91.7M | $-12.9M | ||
| Q1 25 | $703.0K | $-52.6M | ||
| Q4 24 | $416.6M | $-94.6M | ||
| Q3 24 | $-22.0M | $-35.0M | ||
| Q2 24 | $157.8M | $-29.5M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| 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 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | 3.08× | -1.51× | ||
| Q3 25 | 1.16× | — | ||
| Q2 25 | 0.92× | -0.30× | ||
| Q1 25 | 0.01× | -14.37× | ||
| Q4 24 | 6.07× | -5.13× | ||
| Q3 24 | -0.35× | -1.29× | ||
| Q2 24 | 1.66× | -1.37× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FULT
Segment breakdown not available.
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
