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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) 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 $330.5M, roughly 1.0× Paymentus Holdings, Inc.). PRA GROUP INC runs the higher net margin — 17.0% vs 6.3%, a 10.7% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 13.7%). Paymentus Holdings, Inc. produced more free cash flow last quarter ($45.0M vs $-90.4M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 14.2%).
Paymentus Holdings, Inc. is a leading cloud-based bill payment and customer engagement technology provider. It offers integrated digital payment solutions, billing automation tools, and self-service portals for enterprises across utilities, financial services, government, healthcare, and telecommunications segments, primarily operating in the North American market.
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.
PAY vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $333.4M |
| Net Profit | $20.7M | $56.5M |
| Gross Margin | 25.4% | — |
| Operating Margin | 7.3% | 37.7% |
| Net Margin | 6.3% | 17.0% |
| Revenue YoY | 28.1% | 13.7% |
| Net Profit YoY | 57.2% | 206.3% |
| EPS (diluted) | $0.16 | $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 | $330.5M | $333.4M | ||
| Q3 25 | $310.7M | $311.1M | ||
| Q2 25 | $280.1M | $287.7M | ||
| Q1 25 | $275.2M | $269.6M | ||
| Q4 24 | $257.9M | $293.2M | ||
| Q3 24 | $231.6M | $281.5M | ||
| Q2 24 | $197.4M | $284.2M | ||
| Q1 24 | $184.9M | $255.6M |
| Q4 25 | $20.7M | $56.5M | ||
| Q3 25 | $17.7M | $-407.7M | ||
| Q2 25 | $14.7M | $42.4M | ||
| Q1 25 | $13.8M | $3.7M | ||
| Q4 24 | $13.1M | $18.5M | ||
| Q3 24 | $14.4M | $27.2M | ||
| Q2 24 | $9.4M | $21.5M | ||
| Q1 24 | $7.2M | $3.5M |
| Q4 25 | 25.4% | — | ||
| Q3 25 | 24.1% | — | ||
| Q2 25 | 25.5% | — | ||
| Q1 25 | 24.0% | — | ||
| Q4 24 | 25.6% | — | ||
| Q3 24 | 26.2% | — | ||
| Q2 24 | 29.8% | — | ||
| Q1 24 | 28.5% | — |
| Q4 25 | 7.3% | 37.7% | ||
| Q3 25 | 6.4% | -101.4% | ||
| Q2 25 | 5.7% | 29.6% | ||
| Q1 25 | 5.7% | 27.7% | ||
| Q4 24 | 5.5% | 32.1% | ||
| Q3 24 | 5.2% | 32.0% | ||
| Q2 24 | 5.2% | 31.4% | ||
| Q1 24 | 4.5% | 26.0% |
| Q4 25 | 6.3% | 17.0% | ||
| Q3 25 | 5.7% | -131.0% | ||
| Q2 25 | 5.3% | 14.7% | ||
| Q1 25 | 5.0% | 1.4% | ||
| Q4 24 | 5.1% | 6.3% | ||
| Q3 24 | 6.2% | 9.6% | ||
| Q2 24 | 4.7% | 7.6% | ||
| Q1 24 | 3.9% | 1.4% |
| Q4 25 | $0.16 | $1.47 | ||
| Q3 25 | $0.14 | $-10.43 | ||
| Q2 25 | $0.11 | $1.08 | ||
| Q1 25 | $0.11 | $0.09 | ||
| Q4 24 | $0.11 | $0.47 | ||
| Q3 24 | $0.11 | $0.69 | ||
| Q2 24 | $0.07 | $0.54 | ||
| Q1 24 | $0.06 | $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 | $320.9M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.4M | $979.9M |
| Total Assets | $667.9M | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $104.4M | ||
| Q3 25 | $287.9M | $107.5M | ||
| Q2 25 | $266.4M | $131.6M | ||
| Q1 25 | $245.8M | $128.7M | ||
| Q4 24 | $205.9M | $105.9M | ||
| Q3 24 | $187.5M | $141.1M | ||
| Q2 24 | $188.8M | $118.9M | ||
| Q1 24 | $180.1M | $108.1M |
| Q4 25 | $560.4M | $979.9M | ||
| Q3 25 | $537.4M | $928.5M | ||
| Q2 25 | $516.7M | $1.3B | ||
| Q1 25 | $500.4M | $1.2B | ||
| Q4 24 | $485.6M | $1.1B | ||
| Q3 24 | $468.8M | $1.2B | ||
| Q2 24 | $451.6M | $1.1B | ||
| Q1 24 | $439.4M | $1.1B |
| Q4 25 | $667.9M | $5.1B | ||
| Q3 25 | $644.4M | $5.0B | ||
| Q2 25 | $609.5M | $5.4B | ||
| Q1 25 | $590.9M | $5.1B | ||
| Q4 24 | $576.2M | $4.9B | ||
| Q3 24 | $552.9M | $4.9B | ||
| Q2 24 | $527.7M | $4.7B | ||
| Q1 24 | $514.0M | $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 | $45.1M | $-85.5M |
| Free Cash FlowOCF − Capex | $45.0M | $-90.4M |
| FCF MarginFCF / Revenue | 13.6% | -27.1% |
| Capex IntensityCapex / Revenue | 0.0% | 1.4% |
| Cash ConversionOCF / Net Profit | 2.18× | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | $-85.5M | ||
| Q3 25 | $35.1M | $-10.1M | ||
| Q2 25 | $31.5M | $-12.9M | ||
| Q1 25 | $50.4M | $-52.6M | ||
| Q4 24 | $27.9M | $-94.6M | ||
| Q3 24 | $6.7M | $-35.0M | ||
| Q2 24 | $18.0M | $-29.5M | ||
| Q1 24 | $11.0M | $-73.0M |
| Q4 25 | $45.0M | $-90.4M | ||
| Q3 25 | $35.0M | $-11.3M | ||
| Q2 25 | $31.4M | $-14.2M | ||
| Q1 25 | $50.4M | $-53.5M | ||
| Q4 24 | $27.8M | $-98.6M | ||
| Q3 24 | $6.7M | $-36.1M | ||
| Q2 24 | $17.8M | $-30.8M | ||
| Q1 24 | $10.8M | $-73.5M |
| Q4 25 | 13.6% | -27.1% | ||
| Q3 25 | 11.3% | -3.6% | ||
| Q2 25 | 11.2% | -4.9% | ||
| Q1 25 | 18.3% | -19.8% | ||
| Q4 24 | 10.8% | -33.6% | ||
| Q3 24 | 2.9% | -12.8% | ||
| Q2 24 | 9.0% | -10.8% | ||
| Q1 24 | 5.9% | -28.8% |
| Q4 25 | 0.0% | 1.4% | ||
| Q3 25 | 0.0% | 0.4% | ||
| Q2 25 | 0.0% | 0.4% | ||
| Q1 25 | 0.0% | 0.3% | ||
| Q4 24 | 0.0% | 1.4% | ||
| Q3 24 | 0.0% | 0.4% | ||
| Q2 24 | 0.1% | 0.5% | ||
| Q1 24 | 0.1% | 0.2% |
| Q4 25 | 2.18× | -1.51× | ||
| Q3 25 | 1.98× | — | ||
| Q2 25 | 2.14× | -0.30× | ||
| Q1 25 | 3.65× | -14.37× | ||
| Q4 24 | 2.12× | -5.13× | ||
| Q3 24 | 0.47× | -1.29× | ||
| Q2 24 | 1.93× | -1.37× | ||
| Q1 24 | 1.52× | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
