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Side-by-side financial comparison of PROCORE TECHNOLOGIES, INC. (PCOR) and PRA GROUP INC (PRAA). Click either name above to swap in a different company.
PROCORE TECHNOLOGIES, INC. is the larger business by last-quarter revenue ($349.1M vs $333.4M, roughly 1.0× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs -10.8%, a 27.7% gap on every dollar of revenue. On growth, PROCORE TECHNOLOGIES, INC. posted the faster year-over-year revenue change (15.6% vs 13.7%). PROCORE TECHNOLOGIES, INC. produced more free cash flow last quarter ($109.2M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 13.8%).
Procore Technologies is an American construction management software as a service company founded in 2002, with headquarters in Carpinteria, California. Procore hosts a platform to connect those involved in the construction industry on a global platform. The software allows for the creation of simplified workflows and displays a consolidated view of construction products that includes the tracking of tasks, management of project workflows, and scheduling.
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.
PCOR vs PRAA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $349.1M | $333.4M |
| Net Profit | $-37.6M | $56.5M |
| Gross Margin | 80.1% | — |
| Operating Margin | -12.3% | 37.7% |
| Net Margin | -10.8% | 17.0% |
| Revenue YoY | 15.6% | 13.7% |
| Net Profit YoY | 39.6% | 206.3% |
| EPS (diluted) | $-0.25 | $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 | $349.1M | $333.4M | ||
| Q3 25 | $338.9M | $311.1M | ||
| Q2 25 | $323.9M | $287.7M | ||
| Q1 25 | $310.6M | $269.6M | ||
| Q4 24 | $302.0M | $293.2M | ||
| Q3 24 | $295.9M | $281.5M | ||
| Q2 24 | $284.3M | $284.2M | ||
| Q1 24 | $269.4M | $255.6M |
| Q4 25 | $-37.6M | $56.5M | ||
| Q3 25 | $-9.1M | $-407.7M | ||
| Q2 25 | $-21.1M | $42.4M | ||
| Q1 25 | $-33.0M | $3.7M | ||
| Q4 24 | $-62.3M | $18.5M | ||
| Q3 24 | $-26.4M | $27.2M | ||
| Q2 24 | $-6.3M | $21.5M | ||
| Q1 24 | $-11.0M | $3.5M |
| Q4 25 | 80.1% | — | ||
| Q3 25 | 79.7% | — | ||
| Q2 25 | 79.1% | — | ||
| Q1 25 | 79.1% | — | ||
| Q4 24 | 81.2% | — | ||
| Q3 24 | 81.4% | — | ||
| Q2 24 | 83.1% | — | ||
| Q1 24 | 83.0% | — |
| Q4 25 | -12.3% | 37.7% | ||
| Q3 25 | -4.4% | -101.4% | ||
| Q2 25 | -9.3% | 29.6% | ||
| Q1 25 | -11.7% | 27.7% | ||
| Q4 24 | -21.9% | 32.1% | ||
| Q3 24 | -12.3% | 32.0% | ||
| Q2 24 | -5.2% | 31.4% | ||
| Q1 24 | -7.0% | 26.0% |
| Q4 25 | -10.8% | 17.0% | ||
| Q3 25 | -2.7% | -131.0% | ||
| Q2 25 | -6.5% | 14.7% | ||
| Q1 25 | -10.6% | 1.4% | ||
| Q4 24 | -20.6% | 6.3% | ||
| Q3 24 | -8.9% | 9.6% | ||
| Q2 24 | -2.2% | 7.6% | ||
| Q1 24 | -4.1% | 1.4% |
| Q4 25 | $-0.25 | $1.47 | ||
| Q3 25 | $-0.06 | $-10.43 | ||
| Q2 25 | $-0.14 | $1.08 | ||
| Q1 25 | $-0.22 | $0.09 | ||
| Q4 24 | $-0.42 | $0.47 | ||
| Q3 24 | $-0.18 | $0.69 | ||
| Q2 24 | $-0.04 | $0.54 | ||
| Q1 24 | $-0.08 | $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 | $768.5M | $104.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $979.9M |
| Total Assets | $2.2B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $768.5M | $104.4M | ||
| Q3 25 | $684.0M | $107.5M | ||
| Q2 25 | $620.9M | $131.6M | ||
| Q1 25 | $566.7M | $128.7M | ||
| Q4 24 | $775.4M | $105.9M | ||
| Q3 24 | $756.9M | $141.1M | ||
| Q2 24 | $735.4M | $118.9M | ||
| Q1 24 | $744.6M | $108.1M |
| Q4 25 | $1.3B | $979.9M | ||
| Q3 25 | $1.2B | $928.5M | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.2B | ||
| Q4 24 | $1.3B | $1.1B | ||
| Q3 24 | $1.3B | $1.2B | ||
| Q2 24 | $1.3B | $1.1B | ||
| Q1 24 | $1.2B | $1.1B |
| Q4 25 | $2.2B | $5.1B | ||
| Q3 25 | $2.1B | $5.0B | ||
| Q2 25 | $2.0B | $5.4B | ||
| Q1 25 | $1.9B | $5.1B | ||
| Q4 24 | $2.1B | $4.9B | ||
| Q3 24 | $2.0B | $4.9B | ||
| Q2 24 | $2.0B | $4.7B | ||
| Q1 24 | $1.9B | $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 | $114.9M | $-85.5M |
| Free Cash FlowOCF − Capex | $109.2M | $-90.4M |
| FCF MarginFCF / Revenue | 31.3% | -27.1% |
| Capex IntensityCapex / Revenue | 1.6% | 1.4% |
| Cash ConversionOCF / Net Profit | — | -1.51× |
| TTM Free Cash FlowTrailing 4 quarters | $282.2M | $-169.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $114.9M | $-85.5M | ||
| Q3 25 | $88.5M | $-10.1M | ||
| Q2 25 | $30.8M | $-12.9M | ||
| Q1 25 | $66.0M | $-52.6M | ||
| Q4 24 | $29.1M | $-94.6M | ||
| Q3 24 | $39.3M | $-35.0M | ||
| Q2 24 | $58.7M | $-29.5M | ||
| Q1 24 | $69.1M | $-73.0M |
| Q4 25 | $109.2M | $-90.4M | ||
| Q3 25 | $83.1M | $-11.3M | ||
| Q2 25 | $27.9M | $-14.2M | ||
| Q1 25 | $62.0M | $-53.5M | ||
| Q4 24 | $17.4M | $-98.6M | ||
| Q3 24 | $35.7M | $-36.1M | ||
| Q2 24 | $56.8M | $-30.8M | ||
| Q1 24 | $67.1M | $-73.5M |
| Q4 25 | 31.3% | -27.1% | ||
| Q3 25 | 24.5% | -3.6% | ||
| Q2 25 | 8.6% | -4.9% | ||
| Q1 25 | 20.0% | -19.8% | ||
| Q4 24 | 5.8% | -33.6% | ||
| Q3 24 | 12.1% | -12.8% | ||
| Q2 24 | 20.0% | -10.8% | ||
| Q1 24 | 24.9% | -28.8% |
| Q4 25 | 1.6% | 1.4% | ||
| Q3 25 | 1.6% | 0.4% | ||
| Q2 25 | 0.9% | 0.4% | ||
| Q1 25 | 1.3% | 0.3% | ||
| Q4 24 | 3.9% | 1.4% | ||
| Q3 24 | 1.2% | 0.4% | ||
| Q2 24 | 0.7% | 0.5% | ||
| Q1 24 | 0.8% | 0.2% |
| Q4 25 | — | -1.51× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -0.30× | ||
| Q1 25 | — | -14.37× | ||
| Q4 24 | — | -5.13× | ||
| Q3 24 | — | -1.29× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | — | -21.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
