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Side-by-side financial comparison of PRA GROUP INC (PRAA) and QUINSTREET, INC (QNST). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $287.8M, roughly 1.2× QUINSTREET, INC). QUINSTREET, INC runs the higher net margin — 17.4% vs 17.0%, a 0.5% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 1.9%). QUINSTREET, INC produced more free cash flow last quarter ($20.7M vs $-90.4M). Over the past eight quarters, QUINSTREET, INC's revenue compounded faster (53.2% CAGR vs 14.2%).
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.
QUINSTREET, INCQNSTEarnings & Financial Report
QuinStreet, Inc. is a publicly traded online marketing company based in Foster City, California. The company helps generate web traffic for clients by acquiring popular domain names.
PRAA vs QNST — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $287.8M |
| Net Profit | $56.5M | $50.2M |
| Gross Margin | — | 9.6% |
| Operating Margin | 37.7% | 0.4% |
| Net Margin | 17.0% | 17.4% |
| Revenue YoY | 13.7% | 1.9% |
| Net Profit YoY | 206.3% | 3342.5% |
| EPS (diluted) | $1.47 | $0.87 |
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 | $333.4M | $287.8M | ||
| Q3 25 | $311.1M | $285.9M | ||
| Q2 25 | $287.7M | — | ||
| Q1 25 | $269.6M | $269.8M | ||
| Q4 24 | $293.2M | $282.6M | ||
| Q3 24 | $281.5M | $279.2M | ||
| Q2 24 | $284.2M | $198.3M | ||
| Q1 24 | $255.6M | $168.6M |
| Q4 25 | $56.5M | $50.2M | ||
| Q3 25 | $-407.7M | $4.5M | ||
| Q2 25 | $42.4M | — | ||
| Q1 25 | $3.7M | $4.4M | ||
| Q4 24 | $18.5M | $-1.5M | ||
| Q3 24 | $27.2M | $-1.4M | ||
| Q2 24 | $21.5M | $-2.2M | ||
| Q1 24 | $3.5M | $-7.0M |
| Q4 25 | — | 9.6% | ||
| Q3 25 | — | 9.4% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 9.5% | ||
| Q3 24 | — | 10.2% | ||
| Q2 24 | — | 8.8% | ||
| Q1 24 | — | 8.5% |
| Q4 25 | 37.7% | 0.4% | ||
| Q3 25 | -101.4% | 1.7% | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 27.7% | 1.8% | ||
| Q4 24 | 32.1% | -0.5% | ||
| Q3 24 | 32.0% | -0.4% | ||
| Q2 24 | 31.4% | -0.7% | ||
| Q1 24 | 26.0% | -3.2% |
| Q4 25 | 17.0% | 17.4% | ||
| Q3 25 | -131.0% | 1.6% | ||
| Q2 25 | 14.7% | — | ||
| Q1 25 | 1.4% | 1.6% | ||
| Q4 24 | 6.3% | -0.5% | ||
| Q3 24 | 9.6% | -0.5% | ||
| Q2 24 | 7.6% | -1.1% | ||
| Q1 24 | 1.4% | -4.2% |
| Q4 25 | $1.47 | $0.87 | ||
| Q3 25 | $-10.43 | $0.08 | ||
| Q2 25 | $1.08 | — | ||
| Q1 25 | $0.09 | $0.08 | ||
| Q4 24 | $0.47 | $-0.03 | ||
| Q3 24 | $0.69 | $-0.02 | ||
| Q2 24 | $0.54 | $-0.04 | ||
| Q1 24 | $0.09 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $104.4M | $107.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $294.4M |
| Total Assets | $5.1B | $493.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $107.0M | ||
| Q3 25 | $107.5M | $101.3M | ||
| Q2 25 | $131.6M | — | ||
| Q1 25 | $128.7M | $81.8M | ||
| Q4 24 | $105.9M | $57.8M | ||
| Q3 24 | $141.1M | $25.0M | ||
| Q2 24 | $118.9M | $50.5M | ||
| Q1 24 | $108.1M | $39.6M |
| Q4 25 | $979.9M | $294.4M | ||
| Q3 25 | $928.5M | $246.7M | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.2B | $235.5M | ||
| Q4 24 | $1.1B | $224.3M | ||
| Q3 24 | $1.2B | $219.8M | ||
| Q2 24 | $1.1B | $216.8M | ||
| Q1 24 | $1.1B | $215.0M |
| Q4 25 | $5.1B | $493.0M | ||
| Q3 25 | $5.0B | $442.6M | ||
| Q2 25 | $5.4B | — | ||
| Q1 25 | $5.1B | $417.2M | ||
| Q4 24 | $4.9B | $409.6M | ||
| Q3 24 | $4.9B | $401.2M | ||
| Q2 24 | $4.7B | $368.5M | ||
| Q1 24 | $4.5B | $349.3M |
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 | $-85.5M | $21.6M |
| Free Cash FlowOCF − Capex | $-90.4M | $20.7M |
| FCF MarginFCF / Revenue | -27.1% | 7.2% |
| Capex IntensityCapex / Revenue | 1.4% | 0.3% |
| Cash ConversionOCF / Net Profit | -1.51× | 0.43× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $106.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $21.6M | ||
| Q3 25 | $-10.1M | $19.6M | ||
| Q2 25 | $-12.9M | — | ||
| Q1 25 | $-52.6M | $30.1M | ||
| Q4 24 | $-94.6M | $38.7M | ||
| Q3 24 | $-35.0M | $-13.7M | ||
| Q2 24 | $-29.5M | $16.6M | ||
| Q1 24 | $-73.0M | $4.1M |
| Q4 25 | $-90.4M | $20.7M | ||
| Q3 25 | $-11.3M | $18.4M | ||
| Q2 25 | $-14.2M | — | ||
| Q1 25 | $-53.5M | $29.5M | ||
| Q4 24 | $-98.6M | $38.2M | ||
| Q3 24 | $-36.1M | $-14.1M | ||
| Q2 24 | $-30.8M | $15.4M | ||
| Q1 24 | $-73.5M | $2.9M |
| Q4 25 | -27.1% | 7.2% | ||
| Q3 25 | -3.6% | 6.4% | ||
| Q2 25 | -4.9% | — | ||
| Q1 25 | -19.8% | 10.9% | ||
| Q4 24 | -33.6% | 13.5% | ||
| Q3 24 | -12.8% | -5.1% | ||
| Q2 24 | -10.8% | 7.8% | ||
| Q1 24 | -28.8% | 1.7% |
| Q4 25 | 1.4% | 0.3% | ||
| Q3 25 | 0.4% | 0.4% | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.3% | 0.2% | ||
| Q4 24 | 1.4% | 0.2% | ||
| Q3 24 | 0.4% | 0.2% | ||
| Q2 24 | 0.5% | 0.6% | ||
| Q1 24 | 0.2% | 0.7% |
| Q4 25 | -1.51× | 0.43× | ||
| Q3 25 | — | 4.32× | ||
| Q2 25 | -0.30× | — | ||
| Q1 25 | -14.37× | 6.82× | ||
| 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
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
QNST
| Financial Service | $216.8M | 75% |
| Home Services And Other Revenue | $71.0M | 25% |
