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Side-by-side financial comparison of Guardian Pharmacy Services, Inc. (GRDN) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
Guardian Pharmacy Services, Inc. is the larger business by last-quarter revenue ($397.6M vs $333.4M, roughly 1.2× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 5.3%, a 11.7% gap on every dollar of revenue.
CVS Pharmacy Inc. is an American retail corporation. A subsidiary of CVS Health, it is headquartered in Woonsocket, Rhode Island. Originally named the Consumer Value Stores, it was founded in Lowell, Massachusetts, in 1963.
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.
GRDN vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $397.6M | $333.4M |
| Net Profit | $20.9M | $56.5M |
| Gross Margin | 21.5% | — |
| Operating Margin | 7.7% | 37.7% |
| Net Margin | 5.3% | 17.0% |
| Revenue YoY | — | 13.7% |
| Net Profit YoY | — | 206.3% |
| EPS (diluted) | — | $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 | $397.6M | $333.4M | ||
| Q3 25 | $377.4M | $311.1M | ||
| Q2 25 | $344.3M | $287.7M | ||
| Q1 25 | $329.3M | $269.6M | ||
| Q4 24 | — | $293.2M | ||
| Q3 24 | $314.4M | $281.5M | ||
| Q2 24 | — | $284.2M | ||
| Q1 24 | — | $255.6M |
| Q4 25 | $20.9M | $56.5M | ||
| Q3 25 | $9.8M | $-407.7M | ||
| Q2 25 | $9.0M | $42.4M | ||
| Q1 25 | $9.4M | $3.7M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | $-122.0M | $27.2M | ||
| Q2 24 | — | $21.5M | ||
| Q1 24 | — | $3.5M |
| Q4 25 | 21.5% | — | ||
| Q3 25 | 19.8% | — | ||
| Q2 25 | 19.8% | — | ||
| Q1 25 | 19.5% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 19.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 7.7% | 37.7% | ||
| Q3 25 | 4.3% | -101.4% | ||
| Q2 25 | 3.7% | 29.6% | ||
| Q1 25 | 3.9% | 27.7% | ||
| Q4 24 | — | 32.1% | ||
| Q3 24 | -33.3% | 32.0% | ||
| Q2 24 | — | 31.4% | ||
| Q1 24 | — | 26.0% |
| Q4 25 | 5.3% | 17.0% | ||
| Q3 25 | 2.6% | -131.0% | ||
| Q2 25 | 2.6% | 14.7% | ||
| Q1 25 | 2.9% | 1.4% | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | -38.8% | 9.6% | ||
| Q2 24 | — | 7.6% | ||
| Q1 24 | — | 1.4% |
| 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 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $65.6M | $104.4M |
| Total DebtLower is stronger | $0 | — |
| Stockholders' EquityBook value | $217.9M | $979.9M |
| Total Assets | $412.7M | $5.1B |
| Debt / EquityLower = less leverage | 0.00× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $104.4M | ||
| Q3 25 | $36.5M | $107.5M | ||
| Q2 25 | $18.8M | $131.6M | ||
| Q1 25 | $14.0M | $128.7M | ||
| Q4 24 | — | $105.9M | ||
| Q3 24 | $37.2M | $141.1M | ||
| Q2 24 | — | $118.9M | ||
| Q1 24 | — | $108.1M |
| Q4 25 | $0 | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $34.3M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $217.9M | $979.9M | ||
| Q3 25 | $195.5M | $928.5M | ||
| Q2 25 | $179.7M | $1.3B | ||
| Q1 25 | $163.2M | $1.2B | ||
| Q4 24 | — | $1.1B | ||
| Q3 24 | $133.9M | $1.2B | ||
| Q2 24 | — | $1.1B | ||
| Q1 24 | — | $1.1B |
| Q4 25 | $412.7M | $5.1B | ||
| Q3 25 | $390.0M | $5.0B | ||
| Q2 25 | $356.3M | $5.4B | ||
| Q1 25 | $334.0M | $5.1B | ||
| Q4 24 | — | $4.9B | ||
| Q3 24 | $348.0M | $4.9B | ||
| Q2 24 | — | $4.7B | ||
| Q1 24 | — | $4.5B |
| Q4 25 | 0.00× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.26× | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $34.6M | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 1.65× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.6M | $-85.5M | ||
| Q3 25 | $28.2M | $-10.1M | ||
| Q2 25 | $19.9M | $-12.9M | ||
| Q1 25 | $17.6M | $-52.6M | ||
| Q4 24 | — | $-94.6M | ||
| Q3 24 | — | $-35.0M | ||
| Q2 24 | — | $-29.5M | ||
| Q1 24 | — | $-73.0M |
| Q4 25 | — | $-90.4M | ||
| Q3 25 | $24.2M | $-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 | 6.4% | -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 | 1.1% | 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 | 1.65× | -1.51× | ||
| Q3 25 | 2.87× | — | ||
| Q2 25 | 2.21× | -0.30× | ||
| Q1 25 | 1.86× | -14.37× | ||
| Q4 24 | — | -5.13× | ||
| Q3 24 | — | -1.29× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | — | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
GRDN
Segment breakdown not available.
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
