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Side-by-side financial comparison of Grand Canyon Education, Inc. (LOPE) 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 $308.1M, roughly 1.1× Grand Canyon Education, Inc.). Grand Canyon Education, Inc. runs the higher net margin — 28.1% 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 5.3%). Grand Canyon Education, Inc. produced more free cash flow last quarter ($122.9M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 5.9%).
Grand Canyon Education, Inc. (GCE) is an American for-profit corporation that provides services to universities, specializing in program development, online education, and operational support. Formerly affiliated with Grand Canyon University (GCU), a Christian university in Arizona, GCE became a separate publicly traded company in 2008.
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.
LOPE vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $308.1M | $333.4M |
| Net Profit | $86.7M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | 35.1% | 37.7% |
| Net Margin | 28.1% | 17.0% |
| Revenue YoY | 5.3% | 13.7% |
| Net Profit YoY | 5.9% | 206.3% |
| EPS (diluted) | $3.13 | $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 | $308.1M | $333.4M | ||
| Q3 25 | $261.1M | $311.1M | ||
| Q2 25 | $247.5M | $287.7M | ||
| Q1 25 | $289.3M | $269.6M | ||
| Q4 24 | $292.6M | $293.2M | ||
| Q3 24 | $238.3M | $281.5M | ||
| Q2 24 | $227.5M | $284.2M | ||
| Q1 24 | $274.7M | $255.6M |
| Q4 25 | $86.7M | $56.5M | ||
| Q3 25 | $16.3M | $-407.7M | ||
| Q2 25 | $41.5M | $42.4M | ||
| Q1 25 | $71.6M | $3.7M | ||
| Q4 24 | $81.9M | $18.5M | ||
| Q3 24 | $41.5M | $27.2M | ||
| Q2 24 | $34.9M | $21.5M | ||
| Q1 24 | $68.0M | $3.5M |
| Q4 25 | 35.1% | 37.7% | ||
| Q3 25 | 6.9% | -101.4% | ||
| Q2 25 | 20.9% | 29.6% | ||
| Q1 25 | 30.4% | 27.7% | ||
| Q4 24 | 34.2% | 32.1% | ||
| Q3 24 | 20.2% | 32.0% | ||
| Q2 24 | 18.8% | 31.4% | ||
| Q1 24 | 30.8% | 26.0% |
| Q4 25 | 28.1% | 17.0% | ||
| Q3 25 | 6.2% | -131.0% | ||
| Q2 25 | 16.8% | 14.7% | ||
| Q1 25 | 24.8% | 1.4% | ||
| Q4 24 | 28.0% | 6.3% | ||
| Q3 24 | 17.4% | 9.6% | ||
| Q2 24 | 15.3% | 7.6% | ||
| Q1 24 | 24.8% | 1.4% |
| Q4 25 | $3.13 | $1.47 | ||
| Q3 25 | $0.58 | $-10.43 | ||
| Q2 25 | $1.48 | $1.08 | ||
| Q1 25 | $2.52 | $0.09 | ||
| Q4 24 | $2.83 | $0.47 | ||
| Q3 24 | $1.42 | $0.69 | ||
| Q2 24 | $1.19 | $0.54 | ||
| Q1 24 | $2.29 | $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 | $111.8M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $746.9M | $979.9M |
| Total Assets | $992.3M | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $111.8M | $104.4M | ||
| Q3 25 | $97.3M | $107.5M | ||
| Q2 25 | $192.3M | $131.6M | ||
| Q1 25 | $144.5M | $128.7M | ||
| Q4 24 | $324.6M | $105.9M | ||
| Q3 24 | $263.6M | $141.1M | ||
| Q2 24 | $241.3M | $118.9M | ||
| Q1 24 | $196.2M | $108.1M |
| Q4 25 | $746.9M | $979.9M | ||
| Q3 25 | $758.0M | $928.5M | ||
| Q2 25 | $778.0M | $1.3B | ||
| Q1 25 | $780.7M | $1.2B | ||
| Q4 24 | $783.9M | $1.1B | ||
| Q3 24 | $764.1M | $1.2B | ||
| Q2 24 | $759.2M | $1.1B | ||
| Q1 24 | $759.4M | $1.1B |
| Q4 25 | $992.3M | $5.1B | ||
| Q3 25 | $1.0B | $5.0B | ||
| Q2 25 | $1.0B | $5.4B | ||
| Q1 25 | $1.0B | $5.1B | ||
| Q4 24 | $1.0B | $4.9B | ||
| Q3 24 | $992.9M | $4.9B | ||
| Q2 24 | $992.7M | $4.7B | ||
| Q1 24 | $1.0B | $4.5B |
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 | $130.5M | $-85.5M |
| Free Cash FlowOCF − Capex | $122.9M | $-90.4M |
| FCF MarginFCF / Revenue | 39.9% | -27.1% |
| Capex IntensityCapex / Revenue | 2.5% | 1.4% |
| Cash ConversionOCF / Net Profit | 1.50× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $238.6M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $130.5M | $-85.5M | ||
| Q3 25 | $-48.6M | $-10.1M | ||
| Q2 25 | $124.0M | $-12.9M | ||
| Q1 25 | $67.6M | $-52.6M | ||
| Q4 24 | $135.8M | $-94.6M | ||
| Q3 24 | $-29.4M | $-35.0M | ||
| Q2 24 | $98.6M | $-29.5M | ||
| Q1 24 | $85.0M | $-73.0M |
| Q4 25 | $122.9M | $-90.4M | ||
| Q3 25 | $-58.3M | $-11.3M | ||
| Q2 25 | $115.4M | $-14.2M | ||
| Q1 25 | $58.7M | $-53.5M | ||
| Q4 24 | $126.1M | $-98.6M | ||
| Q3 24 | $-39.0M | $-36.1M | ||
| Q2 24 | $89.6M | $-30.8M | ||
| Q1 24 | $76.0M | $-73.5M |
| Q4 25 | 39.9% | -27.1% | ||
| Q3 25 | -22.3% | -3.6% | ||
| Q2 25 | 46.6% | -4.9% | ||
| Q1 25 | 20.3% | -19.8% | ||
| Q4 24 | 43.1% | -33.6% | ||
| Q3 24 | -16.3% | -12.8% | ||
| Q2 24 | 39.4% | -10.8% | ||
| Q1 24 | 27.7% | -28.8% |
| Q4 25 | 2.5% | 1.4% | ||
| Q3 25 | 3.7% | 0.4% | ||
| Q2 25 | 3.5% | 0.4% | ||
| Q1 25 | 3.1% | 0.3% | ||
| Q4 24 | 3.3% | 1.4% | ||
| Q3 24 | 4.0% | 0.4% | ||
| Q2 24 | 3.9% | 0.5% | ||
| Q1 24 | 3.3% | 0.2% |
| Q4 25 | 1.50× | -1.51× | ||
| Q3 25 | -2.99× | — | ||
| Q2 25 | 2.98× | -0.30× | ||
| Q1 25 | 0.94× | -14.37× | ||
| Q4 24 | 1.66× | -5.13× | ||
| Q3 24 | -0.71× | -1.29× | ||
| Q2 24 | 2.83× | -1.37× | ||
| Q1 24 | 1.25× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOPE
Segment breakdown not available.
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
