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Side-by-side financial comparison of MONRO, INC. (MNRO) 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 $293.4M, roughly 1.1× MONRO, INC.). PRA GROUP INC runs the higher net margin — 17.0% vs 3.8%, a 13.2% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -4.0%). MONRO, INC. produced more free cash flow last quarter ($9.1M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -2.7%).
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
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.
MNRO vs PRAA — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $293.4M | $333.4M |
| Net Profit | $11.1M | $56.5M |
| Gross Margin | 34.9% | — |
| Operating Margin | 6.3% | 37.7% |
| Net Margin | 3.8% | 17.0% |
| Revenue YoY | -4.0% | 13.7% |
| Net Profit YoY | 143.1% | 206.3% |
| EPS (diluted) | $0.35 | $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 | $293.4M | $333.4M | ||
| Q3 25 | $288.9M | $311.1M | ||
| Q2 25 | $301.0M | $287.7M | ||
| Q1 25 | $295.0M | $269.6M | ||
| Q4 24 | $305.8M | $293.2M | ||
| Q3 24 | $301.4M | $281.5M | ||
| Q2 24 | $293.2M | $284.2M | ||
| Q1 24 | $310.1M | $255.6M |
| Q4 25 | $11.1M | $56.5M | ||
| Q3 25 | $5.7M | $-407.7M | ||
| Q2 25 | $-8.1M | $42.4M | ||
| Q1 25 | $-21.3M | $3.7M | ||
| Q4 24 | $4.6M | $18.5M | ||
| Q3 24 | $5.6M | $27.2M | ||
| Q2 24 | $5.9M | $21.5M | ||
| Q1 24 | $3.7M | $3.5M |
| Q4 25 | 34.9% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 35.5% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 35.3% | — | ||
| Q2 24 | 37.2% | — | ||
| Q1 24 | 35.5% | — |
| Q4 25 | 6.3% | 37.7% | ||
| Q3 25 | 4.4% | -101.4% | ||
| Q2 25 | -2.0% | 29.6% | ||
| Q1 25 | -8.1% | 27.7% | ||
| Q4 24 | 3.3% | 32.1% | ||
| Q3 24 | 4.4% | 32.0% | ||
| Q2 24 | 4.5% | 31.4% | ||
| Q1 24 | 3.3% | 26.0% |
| Q4 25 | 3.8% | 17.0% | ||
| Q3 25 | 2.0% | -131.0% | ||
| Q2 25 | -2.7% | 14.7% | ||
| Q1 25 | -7.2% | 1.4% | ||
| Q4 24 | 1.5% | 6.3% | ||
| Q3 24 | 1.9% | 9.6% | ||
| Q2 24 | 2.0% | 7.6% | ||
| Q1 24 | 1.2% | 1.4% |
| Q4 25 | $0.35 | $1.47 | ||
| Q3 25 | $0.18 | $-10.43 | ||
| Q2 25 | $-0.28 | $1.08 | ||
| Q1 25 | $-0.74 | $0.09 | ||
| Q4 24 | $0.15 | $0.47 | ||
| Q3 24 | $0.18 | $0.69 | ||
| Q2 24 | $0.19 | $0.54 | ||
| Q1 24 | $0.12 | $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 | $4.9M | $104.4M |
| Total DebtLower is stronger | $45.0M | — |
| Stockholders' EquityBook value | $604.9M | $979.9M |
| Total Assets | $1.6B | $5.1B |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | $104.4M | ||
| Q3 25 | $10.5M | $107.5M | ||
| Q2 25 | $7.8M | $131.6M | ||
| Q1 25 | $20.8M | $128.7M | ||
| Q4 24 | $10.2M | $105.9M | ||
| Q3 24 | $20.9M | $141.1M | ||
| Q2 24 | $18.7M | $118.9M | ||
| Q1 24 | $6.6M | $108.1M |
| Q4 25 | $45.0M | — | ||
| Q3 25 | $60.0M | — | ||
| Q2 25 | $71.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $112.0M | — | ||
| Q1 24 | $102.0M | — |
| Q4 25 | $604.9M | $979.9M | ||
| Q3 25 | $601.7M | $928.5M | ||
| Q2 25 | $604.9M | $1.3B | ||
| Q1 25 | $620.8M | $1.2B | ||
| Q4 24 | $648.9M | $1.1B | ||
| Q3 24 | $651.9M | $1.2B | ||
| Q2 24 | $654.4M | $1.1B | ||
| Q1 24 | $656.8M | $1.1B |
| Q4 25 | $1.6B | $5.1B | ||
| Q3 25 | $1.6B | $5.0B | ||
| Q2 25 | $1.6B | $5.4B | ||
| Q1 25 | $1.6B | $5.1B | ||
| Q4 24 | $1.7B | $4.9B | ||
| Q3 24 | $1.7B | $4.9B | ||
| Q2 24 | $1.7B | $4.7B | ||
| Q1 24 | $1.7B | $4.5B |
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.16× | — |
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 | $17.8M | $-85.5M |
| Free Cash FlowOCF − Capex | $9.1M | $-90.4M |
| FCF MarginFCF / Revenue | 3.1% | -27.1% |
| Capex IntensityCapex / Revenue | 3.0% | 1.4% |
| Cash ConversionOCF / Net Profit | 1.60× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $49.6M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $-85.5M | ||
| Q3 25 | $32.3M | $-10.1M | ||
| Q2 25 | $-1.9M | $-12.9M | ||
| Q1 25 | $28.9M | $-52.6M | ||
| Q4 24 | $14.8M | $-94.6M | ||
| Q3 24 | $62.6M | $-35.0M | ||
| Q2 24 | $25.6M | $-29.5M | ||
| Q1 24 | $-5.3M | $-73.0M |
| Q4 25 | $9.1M | $-90.4M | ||
| Q3 25 | $26.6M | $-11.3M | ||
| Q2 25 | $-9.3M | $-14.2M | ||
| Q1 25 | $23.2M | $-53.5M | ||
| Q4 24 | $7.9M | $-98.6M | ||
| Q3 24 | $57.6M | $-36.1M | ||
| Q2 24 | $16.8M | $-30.8M | ||
| Q1 24 | $-11.9M | $-73.5M |
| Q4 25 | 3.1% | -27.1% | ||
| Q3 25 | 9.2% | -3.6% | ||
| Q2 25 | -3.1% | -4.9% | ||
| Q1 25 | 7.9% | -19.8% | ||
| Q4 24 | 2.6% | -33.6% | ||
| Q3 24 | 19.1% | -12.8% | ||
| Q2 24 | 5.7% | -10.8% | ||
| Q1 24 | -3.8% | -28.8% |
| Q4 25 | 3.0% | 1.4% | ||
| Q3 25 | 2.0% | 0.4% | ||
| Q2 25 | 2.5% | 0.4% | ||
| Q1 25 | 1.9% | 0.3% | ||
| Q4 24 | 2.2% | 1.4% | ||
| Q3 24 | 1.6% | 0.4% | ||
| Q2 24 | 3.0% | 0.5% | ||
| Q1 24 | 2.1% | 0.2% |
| Q4 25 | 1.60× | -1.51× | ||
| Q3 25 | 5.71× | — | ||
| Q2 25 | — | -0.30× | ||
| Q1 25 | — | -14.37× | ||
| Q4 24 | 3.23× | -5.13× | ||
| Q3 24 | 11.08× | -1.29× | ||
| Q2 24 | 4.37× | -1.37× | ||
| Q1 24 | -1.42× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
