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Side-by-side financial comparison of NERDWALLET, INC. (NRDS) 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 $222.2M, roughly 1.5× NERDWALLET, INC.). PRA GROUP INC runs the higher net margin — 17.0% vs 9.2%, a 7.8% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -1.4%). Over the past eight quarters, NERDWALLET, INC.'s revenue compounded faster (21.5% CAGR vs 14.2%).
NerdWallet is an American personal finance company, founded in 2009 by Tim Chen and Jacob Gibson. It has a website and app that earns money by promoting financial products to its users.
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.
NRDS vs PRAA — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $222.2M | $333.4M |
| Net Profit | $20.4M | $56.5M |
| Gross Margin | 93.9% | — |
| Operating Margin | 12.2% | 37.7% |
| Net Margin | 9.2% | 17.0% |
| Revenue YoY | -1.4% | 13.7% |
| Net Profit YoY | 45.7% | 206.3% |
| EPS (diluted) | $0.29 | $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.
| Q1 26 | $222.2M | — | ||
| Q4 25 | $225.4M | $333.4M | ||
| Q3 25 | $215.1M | $311.1M | ||
| Q2 25 | $186.9M | $287.7M | ||
| Q1 25 | $209.2M | $269.6M | ||
| Q4 24 | $183.8M | $293.2M | ||
| Q3 24 | $191.3M | $281.5M | ||
| Q2 24 | $150.6M | $284.2M |
| Q1 26 | $20.4M | — | ||
| Q4 25 | $14.0M | $56.5M | ||
| Q3 25 | $26.3M | $-407.7M | ||
| Q2 25 | $8.2M | $42.4M | ||
| Q1 25 | $200.0K | $3.7M | ||
| Q4 24 | $38.6M | $18.5M | ||
| Q3 24 | $100.0K | $27.2M | ||
| Q2 24 | $-9.4M | $21.5M |
| Q1 26 | 93.9% | — | ||
| Q4 25 | 94.0% | — | ||
| Q3 25 | 92.9% | — | ||
| Q2 25 | 91.1% | — | ||
| Q1 25 | 91.3% | — | ||
| Q4 24 | 90.9% | — | ||
| Q3 24 | 90.7% | — | ||
| Q2 24 | 90.1% | — |
| Q1 26 | 12.2% | — | ||
| Q4 25 | 8.6% | 37.7% | ||
| Q3 25 | 16.0% | -101.4% | ||
| Q2 25 | 5.7% | 29.6% | ||
| Q1 25 | 0.3% | 27.7% | ||
| Q4 24 | 4.7% | 32.1% | ||
| Q3 24 | 3.5% | 32.0% | ||
| Q2 24 | -6.4% | 31.4% |
| Q1 26 | 9.2% | — | ||
| Q4 25 | 6.2% | 17.0% | ||
| Q3 25 | 12.2% | -131.0% | ||
| Q2 25 | 4.4% | 14.7% | ||
| Q1 25 | 0.1% | 1.4% | ||
| Q4 24 | 21.0% | 6.3% | ||
| Q3 24 | 0.1% | 9.6% | ||
| Q2 24 | -6.2% | 7.6% |
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.19 | $1.47 | ||
| Q3 25 | $0.34 | $-10.43 | ||
| Q2 25 | $0.11 | $1.08 | ||
| Q1 25 | $0.00 | $0.09 | ||
| Q4 24 | $0.49 | $0.47 | ||
| Q3 24 | $0.00 | $0.69 | ||
| Q2 24 | $-0.12 | $0.54 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $56.3M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $336.2M | $979.9M |
| Total Assets | $432.0M | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $56.3M | — | ||
| Q4 25 | $98.3M | $104.4M | ||
| Q3 25 | $120.6M | $107.5M | ||
| Q2 25 | $105.3M | $131.6M | ||
| Q1 25 | $92.2M | $128.7M | ||
| Q4 24 | $66.3M | $105.9M | ||
| Q3 24 | $71.7M | $141.1M | ||
| Q2 24 | $113.8M | $118.9M |
| Q1 26 | $336.2M | — | ||
| Q4 25 | $374.5M | $979.9M | ||
| Q3 25 | $402.4M | $928.5M | ||
| Q2 25 | $390.0M | $1.3B | ||
| Q1 25 | $371.6M | $1.2B | ||
| Q4 24 | $364.2M | $1.1B | ||
| Q3 24 | $322.4M | $1.2B | ||
| Q2 24 | $379.4M | $1.1B |
| Q1 26 | $432.0M | — | ||
| Q4 25 | $461.1M | $5.1B | ||
| Q3 25 | $492.8M | $5.0B | ||
| Q2 25 | $476.0M | $5.4B | ||
| Q1 25 | $475.0M | $5.1B | ||
| Q4 24 | $437.6M | $4.9B | ||
| Q3 24 | $402.4M | $4.9B | ||
| Q2 24 | $446.2M | $4.7B |
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 | $35.7M | $-85.5M |
| Free Cash FlowOCF − Capex | — | $-90.4M |
| FCF MarginFCF / Revenue | — | -27.1% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | 1.75× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $35.7M | — | ||
| Q4 25 | $38.9M | $-85.5M | ||
| Q3 25 | $48.5M | $-10.1M | ||
| Q2 25 | $17.5M | $-12.9M | ||
| Q1 25 | $26.7M | $-52.6M | ||
| Q4 24 | $9.9M | $-94.6M | ||
| Q3 24 | $29.0M | $-35.0M | ||
| Q2 24 | $10.2M | $-29.5M |
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $-90.4M | ||
| Q3 25 | $48.4M | $-11.3M | ||
| Q2 25 | $16.8M | $-14.2M | ||
| Q1 25 | $26.5M | $-53.5M | ||
| Q4 24 | $9.7M | $-98.6M | ||
| Q3 24 | $28.9M | $-36.1M | ||
| Q2 24 | $9.9M | $-30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 17.1% | -27.1% | ||
| Q3 25 | 22.5% | -3.6% | ||
| Q2 25 | 9.0% | -4.9% | ||
| Q1 25 | 12.7% | -19.8% | ||
| Q4 24 | 5.3% | -33.6% | ||
| Q3 24 | 15.1% | -12.8% | ||
| Q2 24 | 6.6% | -10.8% |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 1.4% | ||
| Q3 25 | 0.0% | 0.4% | ||
| Q2 25 | 0.4% | 0.4% | ||
| Q1 25 | 0.1% | 0.3% | ||
| Q4 24 | 0.1% | 1.4% | ||
| Q3 24 | 0.1% | 0.4% | ||
| Q2 24 | 0.2% | 0.5% |
| Q1 26 | 1.75× | — | ||
| Q4 25 | 2.78× | -1.51× | ||
| Q3 25 | 1.84× | — | ||
| Q2 25 | 2.13× | -0.30× | ||
| Q1 25 | 133.50× | -14.37× | ||
| Q4 24 | 0.26× | -5.13× | ||
| Q3 24 | 290.00× | -1.29× | ||
| Q2 24 | — | -1.37× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NRDS
| Consumer | $197.6M | 89% |
| SMB | $24.6M | 11% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
