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Side-by-side financial comparison of Natural Grocers by Vitamin Cottage, Inc. (NGVC) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
Natural Grocers by Vitamin Cottage, Inc. is the larger business by last-quarter revenue ($335.6M vs $333.4M, roughly 1.0× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 3.4%, a 13.6% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 1.6%). Natural Grocers by Vitamin Cottage, Inc. produced more free cash flow last quarter ($11.6M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 4.4%).
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
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.
NGVC vs PRAA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $335.6M | $333.4M |
| Net Profit | $11.3M | $56.5M |
| Gross Margin | 29.5% | — |
| Operating Margin | 4.4% | 37.7% |
| Net Margin | 3.4% | 17.0% |
| Revenue YoY | 1.6% | 13.7% |
| Net Profit YoY | 14.0% | 206.3% |
| EPS (diluted) | $0.49 | $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 | $335.6M | $333.4M | ||
| Q3 25 | $336.1M | $311.1M | ||
| Q2 25 | $328.7M | $287.7M | ||
| Q1 25 | $335.8M | $269.6M | ||
| Q4 24 | $330.2M | $293.2M | ||
| Q3 24 | $322.7M | $281.5M | ||
| Q2 24 | $309.1M | $284.2M | ||
| Q1 24 | $308.1M | $255.6M |
| Q4 25 | $11.3M | $56.5M | ||
| Q3 25 | $11.8M | $-407.7M | ||
| Q2 25 | $11.6M | $42.4M | ||
| Q1 25 | $13.1M | $3.7M | ||
| Q4 24 | $9.9M | $18.5M | ||
| Q3 24 | $9.0M | $27.2M | ||
| Q2 24 | $9.2M | $21.5M | ||
| Q1 24 | $8.0M | $3.5M |
| Q4 25 | 29.5% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 29.9% | — | ||
| Q1 25 | 30.3% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 29.2% | — | ||
| Q1 24 | 29.3% | — |
| Q4 25 | 4.4% | 37.7% | ||
| Q3 25 | 4.6% | -101.4% | ||
| Q2 25 | 4.7% | 29.6% | ||
| Q1 25 | 5.2% | 27.7% | ||
| Q4 24 | 4.0% | 32.1% | ||
| Q3 24 | 3.7% | 32.0% | ||
| Q2 24 | 4.2% | 31.4% | ||
| Q1 24 | 3.7% | 26.0% |
| Q4 25 | 3.4% | 17.0% | ||
| Q3 25 | 3.5% | -131.0% | ||
| Q2 25 | 3.5% | 14.7% | ||
| Q1 25 | 3.9% | 1.4% | ||
| Q4 24 | 3.0% | 6.3% | ||
| Q3 24 | 2.8% | 9.6% | ||
| Q2 24 | 3.0% | 7.6% | ||
| Q1 24 | 2.6% | 1.4% |
| Q4 25 | $0.49 | $1.47 | ||
| Q3 25 | $0.51 | $-10.43 | ||
| Q2 25 | $0.50 | $1.08 | ||
| Q1 25 | $0.56 | $0.09 | ||
| Q4 24 | $0.43 | $0.47 | ||
| Q3 24 | $0.38 | $0.69 | ||
| Q2 24 | $0.40 | $0.54 | ||
| Q1 24 | $0.35 | $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 | $23.2M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $220.0M | $979.9M |
| Total Assets | $668.6M | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.2M | $104.4M | ||
| Q3 25 | $17.1M | $107.5M | ||
| Q2 25 | $13.2M | $131.6M | ||
| Q1 25 | $21.2M | $128.7M | ||
| Q4 24 | $6.3M | $105.9M | ||
| Q3 24 | $8.9M | $141.1M | ||
| Q2 24 | $13.9M | $118.9M | ||
| Q1 24 | $11.0M | $108.1M |
| Q4 25 | $220.0M | $979.9M | ||
| Q3 25 | $212.4M | $928.5M | ||
| Q2 25 | $202.5M | $1.3B | ||
| Q1 25 | $193.0M | $1.2B | ||
| Q4 24 | $181.9M | $1.1B | ||
| Q3 24 | $174.3M | $1.2B | ||
| Q2 24 | $167.8M | $1.1B | ||
| Q1 24 | $160.0M | $1.1B |
| Q4 25 | $668.6M | $5.1B | ||
| Q3 25 | $670.5M | $5.0B | ||
| Q2 25 | $659.0M | $5.4B | ||
| Q1 25 | $664.6M | $5.1B | ||
| Q4 24 | $648.9M | $4.9B | ||
| Q3 24 | $655.5M | $4.9B | ||
| Q2 24 | $654.4M | $4.7B | ||
| Q1 24 | $656.6M | $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 | $21.1M | $-85.5M |
| Free Cash FlowOCF − Capex | $11.6M | $-90.4M |
| FCF MarginFCF / Revenue | 3.4% | -27.1% |
| Capex IntensityCapex / Revenue | 2.9% | 1.4% |
| Cash ConversionOCF / Net Profit | 1.86× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $42.6M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.1M | $-85.5M | ||
| Q3 25 | $15.6M | $-10.1M | ||
| Q2 25 | $2.9M | $-12.9M | ||
| Q1 25 | $34.1M | $-52.6M | ||
| Q4 24 | $2.7M | $-94.6M | ||
| Q3 24 | $24.5M | $-35.0M | ||
| Q2 24 | $12.4M | $-29.5M | ||
| Q1 24 | $20.2M | $-73.0M |
| Q4 25 | $11.6M | $-90.4M | ||
| Q3 25 | $7.5M | $-11.3M | ||
| Q2 25 | $-4.2M | $-14.2M | ||
| Q1 25 | $27.6M | $-53.5M | ||
| Q4 24 | $-6.9M | $-98.6M | ||
| Q3 24 | $18.0M | $-36.1M | ||
| Q2 24 | $3.6M | $-30.8M | ||
| Q1 24 | $9.8M | $-73.5M |
| Q4 25 | 3.4% | -27.1% | ||
| Q3 25 | 2.2% | -3.6% | ||
| Q2 25 | -1.3% | -4.9% | ||
| Q1 25 | 8.2% | -19.8% | ||
| Q4 24 | -2.1% | -33.6% | ||
| Q3 24 | 5.6% | -12.8% | ||
| Q2 24 | 1.2% | -10.8% | ||
| Q1 24 | 3.2% | -28.8% |
| Q4 25 | 2.9% | 1.4% | ||
| Q3 25 | 2.4% | 0.4% | ||
| Q2 25 | 2.2% | 0.4% | ||
| Q1 25 | 1.9% | 0.3% | ||
| Q4 24 | 2.9% | 1.4% | ||
| Q3 24 | 2.0% | 0.4% | ||
| Q2 24 | 2.9% | 0.5% | ||
| Q1 24 | 3.4% | 0.2% |
| Q4 25 | 1.86× | -1.51× | ||
| Q3 25 | 1.32× | — | ||
| Q2 25 | 0.25× | -0.30× | ||
| Q1 25 | 2.60× | -14.37× | ||
| Q4 24 | 0.27× | -5.13× | ||
| Q3 24 | 2.72× | -1.29× | ||
| Q2 24 | 1.35× | -1.37× | ||
| Q1 24 | 2.54× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
