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Side-by-side financial comparison of ONESPAWORLD HOLDINGS Ltd (OSW) 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 $242.1M, roughly 1.4× ONESPAWORLD HOLDINGS Ltd). PRA GROUP INC runs the higher net margin — 17.0% vs 5.0%, a 12.0% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 11.5%). ONESPAWORLD HOLDINGS Ltd produced more free cash flow last quarter ($14.9M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 7.1%).
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.
OSW vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $242.1M | $333.4M |
| Net Profit | $12.1M | $56.5M |
| Gross Margin | — | — |
| Operating Margin | 6.8% | 37.7% |
| Net Margin | 5.0% | 17.0% |
| Revenue YoY | 11.5% | 13.7% |
| Net Profit YoY | -16.2% | 206.3% |
| EPS (diluted) | $0.12 | $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 | $242.1M | $333.4M | ||
| Q3 25 | $258.5M | $311.1M | ||
| Q2 25 | $240.7M | $287.7M | ||
| Q1 25 | $219.6M | $269.6M | ||
| Q4 24 | $217.2M | $293.2M | ||
| Q3 24 | $241.7M | $281.5M | ||
| Q2 24 | $224.9M | $284.2M | ||
| Q1 24 | $211.2M | $255.6M |
| Q4 25 | $12.1M | $56.5M | ||
| Q3 25 | $24.3M | $-407.7M | ||
| Q2 25 | $19.9M | $42.4M | ||
| Q1 25 | $15.3M | $3.7M | ||
| Q4 24 | $14.4M | $18.5M | ||
| Q3 24 | $21.6M | $27.2M | ||
| Q2 24 | $15.8M | $21.5M | ||
| Q1 24 | $21.2M | $3.5M |
| Q4 25 | 6.8% | 37.7% | ||
| Q3 25 | 10.2% | -101.4% | ||
| Q2 25 | 9.2% | 29.6% | ||
| Q1 25 | 7.7% | 27.7% | ||
| Q4 24 | 7.9% | 32.1% | ||
| Q3 24 | 10.3% | 32.0% | ||
| Q2 24 | 8.4% | 31.4% | ||
| Q1 24 | 8.0% | 26.0% |
| Q4 25 | 5.0% | 17.0% | ||
| Q3 25 | 9.4% | -131.0% | ||
| Q2 25 | 8.3% | 14.7% | ||
| Q1 25 | 7.0% | 1.4% | ||
| Q4 24 | 6.6% | 6.3% | ||
| Q3 24 | 8.9% | 9.6% | ||
| Q2 24 | 7.0% | 7.6% | ||
| Q1 24 | 10.0% | 1.4% |
| Q4 25 | $0.12 | $1.47 | ||
| Q3 25 | $0.23 | $-10.43 | ||
| Q2 25 | $0.19 | $1.08 | ||
| Q1 25 | $0.15 | $0.09 | ||
| Q4 24 | $0.13 | $0.47 | ||
| Q3 24 | $0.20 | $0.69 | ||
| Q2 24 | $0.15 | $0.54 | ||
| Q1 24 | $0.21 | $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 | $16.3M | $104.4M |
| Total DebtLower is stronger | $84.0M | — |
| Stockholders' EquityBook value | $542.6M | $979.9M |
| Total Assets | $707.1M | $5.1B |
| Debt / EquityLower = less leverage | 0.15× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.3M | $104.4M | ||
| Q3 25 | $29.6M | $107.5M | ||
| Q2 25 | $35.0M | $131.6M | ||
| Q1 25 | $22.6M | $128.7M | ||
| Q4 24 | $57.4M | $105.9M | ||
| Q3 24 | $48.8M | $141.1M | ||
| Q2 24 | $62.5M | $118.9M | ||
| Q1 24 | $65.4M | $108.1M |
| Q4 25 | $84.0M | — | ||
| Q3 25 | $85.2M | — | ||
| Q2 25 | $96.2M | — | ||
| Q1 25 | $97.4M | — | ||
| Q4 24 | $98.6M | — | ||
| Q3 24 | $98.7M | — | ||
| Q2 24 | $123.8M | — | ||
| Q1 24 | $138.6M | — |
| Q4 25 | $542.6M | $979.9M | ||
| Q3 25 | $552.8M | $928.5M | ||
| Q2 25 | $548.3M | $1.3B | ||
| Q1 25 | $530.6M | $1.2B | ||
| Q4 24 | $554.5M | $1.1B | ||
| Q3 24 | $540.1M | $1.2B | ||
| Q2 24 | $532.7M | $1.1B | ||
| Q1 24 | $515.5M | $1.1B |
| Q4 25 | $707.1M | $5.1B | ||
| Q3 25 | $732.6M | $5.0B | ||
| Q2 25 | $731.8M | $5.4B | ||
| Q1 25 | $708.7M | $5.1B | ||
| Q4 24 | $746.4M | $4.9B | ||
| Q3 24 | $734.0M | $4.9B | ||
| Q2 24 | $756.8M | $4.7B | ||
| Q1 24 | $763.6M | $4.5B |
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.18× | — | ||
| Q1 25 | 0.18× | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.18× | — | ||
| Q2 24 | 0.23× | — | ||
| Q1 24 | 0.27× | — |
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 | $20.0M | $-85.5M |
| Free Cash FlowOCF − Capex | $14.9M | $-90.4M |
| FCF MarginFCF / Revenue | 6.2% | -27.1% |
| Capex IntensityCapex / Revenue | 2.1% | 1.4% |
| Cash ConversionOCF / Net Profit | 1.65× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $68.4M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.0M | $-85.5M | ||
| Q3 25 | $33.2M | $-10.1M | ||
| Q2 25 | $20.3M | $-12.9M | ||
| Q1 25 | $10.1M | $-52.6M | ||
| Q4 24 | $16.6M | $-94.6M | ||
| Q3 24 | $28.6M | $-35.0M | ||
| Q2 24 | $18.7M | $-29.5M | ||
| Q1 24 | $15.0M | $-73.0M |
| Q4 25 | $14.9M | $-90.4M | ||
| Q3 25 | $27.6M | $-11.3M | ||
| Q2 25 | $17.6M | $-14.2M | ||
| Q1 25 | $8.4M | $-53.5M | ||
| Q4 24 | $13.2M | $-98.6M | ||
| Q3 24 | $27.5M | $-36.1M | ||
| Q2 24 | $17.6M | $-30.8M | ||
| Q1 24 | $13.7M | $-73.5M |
| Q4 25 | 6.2% | -27.1% | ||
| Q3 25 | 10.7% | -3.6% | ||
| Q2 25 | 7.3% | -4.9% | ||
| Q1 25 | 3.8% | -19.8% | ||
| Q4 24 | 6.1% | -33.6% | ||
| Q3 24 | 11.4% | -12.8% | ||
| Q2 24 | 7.8% | -10.8% | ||
| Q1 24 | 6.5% | -28.8% |
| Q4 25 | 2.1% | 1.4% | ||
| Q3 25 | 2.2% | 0.4% | ||
| Q2 25 | 1.1% | 0.4% | ||
| Q1 25 | 0.8% | 0.3% | ||
| Q4 24 | 1.5% | 1.4% | ||
| Q3 24 | 0.5% | 0.4% | ||
| Q2 24 | 0.5% | 0.5% | ||
| Q1 24 | 0.6% | 0.2% |
| Q4 25 | 1.65× | -1.51× | ||
| Q3 25 | 1.36× | — | ||
| Q2 25 | 1.02× | -0.30× | ||
| Q1 25 | 0.66× | -14.37× | ||
| Q4 24 | 1.15× | -5.13× | ||
| Q3 24 | 1.33× | -1.29× | ||
| Q2 24 | 1.19× | -1.37× | ||
| Q1 24 | 0.71× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
