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Side-by-side financial comparison of NEW JERSEY RESOURCES CORP (NJR) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
NEW JERSEY RESOURCES CORP is the larger business by last-quarter revenue ($440.9M vs $333.4M, roughly 1.3× PRA GROUP INC). NEW JERSEY RESOURCES CORP runs the higher net margin — 27.8% vs 17.0%, a 10.8% gap on every dollar of revenue. On growth, NEW JERSEY RESOURCES CORP posted the faster year-over-year revenue change (22.8% vs 13.7%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 0.9%).
New Jersey Resources is an energy services holding company based in Wall Township, New Jersey. It is a Fortune 1000 company, and a member of the Forbes Platinum 400. New Jersey Natural Gas is its principal subsidiary.
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.
NJR vs PRAA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $440.9M | $333.4M |
| Net Profit | $122.5M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | 40.6% | 37.7% |
| Net Margin | 27.8% | 17.0% |
| Revenue YoY | 22.8% | 13.7% |
| Net Profit YoY | -6.7% | 206.3% |
| EPS (diluted) | $1.21 | $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 | $440.9M | $333.4M | ||
| Q3 25 | $188.3M | $311.1M | ||
| Q2 25 | $234.8M | $287.7M | ||
| Q1 25 | $569.2M | $269.6M | ||
| Q4 24 | $359.0M | $293.2M | ||
| Q3 24 | $265.7M | $281.5M | ||
| Q2 24 | $209.9M | $284.2M | ||
| Q1 24 | $433.2M | $255.6M |
| Q4 25 | $122.5M | $56.5M | ||
| Q3 25 | $15.1M | $-407.7M | ||
| Q2 25 | $-15.1M | $42.4M | ||
| Q1 25 | $204.3M | $3.7M | ||
| Q4 24 | $131.3M | $18.5M | ||
| Q3 24 | $91.1M | $27.2M | ||
| Q2 24 | $-11.6M | $21.5M | ||
| Q1 24 | $120.8M | $3.5M |
| Q4 25 | 40.6% | 37.7% | ||
| Q3 25 | 21.5% | -101.4% | ||
| Q2 25 | -0.5% | 29.6% | ||
| Q1 25 | 49.2% | 27.7% | ||
| Q4 24 | 52.8% | 32.1% | ||
| Q3 24 | 55.0% | 32.0% | ||
| Q2 24 | 2.8% | 31.4% | ||
| Q1 24 | 39.3% | 26.0% |
| Q4 25 | 27.8% | 17.0% | ||
| Q3 25 | 8.0% | -131.0% | ||
| Q2 25 | -6.4% | 14.7% | ||
| Q1 25 | 35.9% | 1.4% | ||
| Q4 24 | 36.6% | 6.3% | ||
| Q3 24 | 34.3% | 9.6% | ||
| Q2 24 | -5.5% | 7.6% | ||
| Q1 24 | 27.9% | 1.4% |
| Q4 25 | $1.21 | $1.47 | ||
| Q3 25 | $0.15 | $-10.43 | ||
| Q2 25 | $-0.15 | $1.08 | ||
| Q1 25 | $2.02 | $0.09 | ||
| Q4 24 | $1.31 | $0.47 | ||
| Q3 24 | $0.91 | $0.69 | ||
| Q2 24 | $-0.12 | $0.54 | ||
| Q1 24 | $1.22 | $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 | $2.4M | $104.4M |
| Total DebtLower is stronger | $3.3B | — |
| Stockholders' EquityBook value | $2.5B | $979.9M |
| Total Assets | $7.9B | $5.1B |
| Debt / EquityLower = less leverage | 1.32× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.4M | $104.4M | ||
| Q3 25 | $591.0K | $107.5M | ||
| Q2 25 | $931.0K | $131.6M | ||
| Q1 25 | $83.7M | $128.7M | ||
| Q4 24 | $1.9M | $105.9M | ||
| Q3 24 | $1.0M | $141.1M | ||
| Q2 24 | $22.4M | $118.9M | ||
| Q1 24 | $5.0M | $108.1M |
| Q4 25 | $3.3B | — | ||
| Q3 25 | $3.3B | — | ||
| Q2 25 | $3.0B | — | ||
| Q1 25 | $3.0B | — | ||
| Q4 24 | $3.0B | — | ||
| Q3 24 | $2.9B | — | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $2.7B | — |
| Q4 25 | $2.5B | $979.9M | ||
| Q3 25 | $2.4B | $928.5M | ||
| Q2 25 | $2.4B | $1.3B | ||
| Q1 25 | $2.5B | $1.2B | ||
| Q4 24 | $2.3B | $1.1B | ||
| Q3 24 | $2.2B | $1.2B | ||
| Q2 24 | $2.1B | $1.1B | ||
| Q1 24 | $2.2B | $1.1B |
| Q4 25 | $7.9B | $5.1B | ||
| Q3 25 | $7.6B | $5.0B | ||
| Q2 25 | $7.3B | $5.4B | ||
| Q1 25 | $7.3B | $5.1B | ||
| Q4 24 | $7.2B | $4.9B | ||
| Q3 24 | $7.0B | $4.9B | ||
| Q2 24 | $6.8B | $4.7B | ||
| Q1 24 | $6.6B | $4.5B |
| Q4 25 | 1.32× | — | ||
| Q3 25 | 1.36× | — | ||
| Q2 25 | 1.25× | — | ||
| Q1 25 | 1.20× | — | ||
| Q4 24 | 1.29× | — | ||
| Q3 24 | 1.31× | — | ||
| Q2 24 | 1.30× | — | ||
| Q1 24 | 1.25× | — |
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 | $26.7M | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 0.22× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $26.7M | $-85.5M | ||
| Q3 25 | $81.2M | $-10.1M | ||
| Q2 25 | $-28.9M | $-12.9M | ||
| Q1 25 | $423.0M | $-52.6M | ||
| Q4 24 | $-9.0M | $-94.6M | ||
| Q3 24 | $64.5M | $-35.0M | ||
| Q2 24 | $24.3M | $-29.5M | ||
| Q1 24 | $292.2M | $-73.0M |
| 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 24 | — | $-73.5M |
| 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 24 | — | -28.8% |
| 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 24 | — | 0.2% |
| Q4 25 | 0.22× | -1.51× | ||
| Q3 25 | 5.39× | — | ||
| Q2 25 | — | -0.30× | ||
| Q1 25 | 2.07× | -14.37× | ||
| Q4 24 | -0.07× | -5.13× | ||
| Q3 24 | 0.71× | -1.29× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | 2.42× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NJR
| Residential | $284.1M | 64% |
| Commercialand Industrial | $53.4M | 12% |
| Firm Transportation | $34.7M | 8% |
| Storage And Transportation ST Segment | $28.1M | 6% |
| Home Services And Other HSO | $16.0M | 4% |
| Energy Services ES Segment | $12.8M | 3% |
| Installationand Maintenance | $6.6M | 1% |
| Electricity | $5.6M | 1% |
| Renewable Energy Certificates | $3.7M | 1% |
| Interruptibleand Offtariff | $2.4M | 1% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
