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Side-by-side financial comparison of PRA GROUP INC (PRAA) and Ralliant Corp (RAL). Click either name above to swap in a different company.
Ralliant Corp is the larger business by last-quarter revenue ($529.1M vs $333.4M, roughly 1.6× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 7.5%, a 9.4% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -0.5%). Ralliant Corp produced more free cash flow last quarter ($126.6M vs $-90.4M).
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.
PRAA vs RAL — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $529.1M |
| Net Profit | $56.5M | $39.9M |
| Gross Margin | — | 50.8% |
| Operating Margin | 37.7% | 9.8% |
| Net Margin | 17.0% | 7.5% |
| Revenue YoY | 13.7% | -0.5% |
| Net Profit YoY | 206.3% | -56.1% |
| EPS (diluted) | $1.47 | $0.35 |
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 | — | ||
| Q3 25 | $311.1M | $529.1M | ||
| Q2 25 | $287.7M | $503.3M | ||
| Q1 25 | $269.6M | — | ||
| Q4 24 | $293.2M | — | ||
| Q3 24 | $281.5M | $531.7M | ||
| Q2 24 | $284.2M | $533.7M | ||
| Q1 24 | $255.6M | — |
| Q4 25 | $56.5M | — | ||
| Q3 25 | $-407.7M | $39.9M | ||
| Q2 25 | $42.4M | $47.6M | ||
| Q1 25 | $3.7M | — | ||
| Q4 24 | $18.5M | — | ||
| Q3 24 | $27.2M | $90.9M | ||
| Q2 24 | $21.5M | $64.8M | ||
| Q1 24 | $3.5M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 50.8% | ||
| Q2 25 | — | 49.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 52.6% | ||
| Q2 24 | — | 51.5% | ||
| Q1 24 | — | — |
| Q4 25 | 37.7% | — | ||
| Q3 25 | -101.4% | 9.8% | ||
| Q2 25 | 29.6% | 11.7% | ||
| Q1 25 | 27.7% | — | ||
| Q4 24 | 32.1% | — | ||
| Q3 24 | 32.0% | 20.9% | ||
| Q2 24 | 31.4% | 19.7% | ||
| Q1 24 | 26.0% | — |
| Q4 25 | 17.0% | — | ||
| Q3 25 | -131.0% | 7.5% | ||
| Q2 25 | 14.7% | 9.5% | ||
| Q1 25 | 1.4% | — | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 9.6% | 17.1% | ||
| Q2 24 | 7.6% | 12.1% | ||
| Q1 24 | 1.4% | — |
| Q4 25 | $1.47 | — | ||
| Q3 25 | $-10.43 | $0.35 | ||
| Q2 25 | $1.08 | $0.42 | ||
| Q1 25 | $0.09 | — | ||
| Q4 24 | $0.47 | — | ||
| Q3 24 | $0.69 | $0.81 | ||
| Q2 24 | $0.54 | $0.57 | ||
| Q1 24 | $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 | $104.4M | $264.2M |
| Total DebtLower is stronger | — | $1.1B |
| Stockholders' EquityBook value | $979.9M | $3.0B |
| Total Assets | $5.1B | $5.3B |
| Debt / EquityLower = less leverage | — | 0.39× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | — | ||
| Q3 25 | $107.5M | $264.2M | ||
| Q2 25 | $131.6M | $198.6M | ||
| Q1 25 | $128.7M | — | ||
| Q4 24 | $105.9M | — | ||
| Q3 24 | $141.1M | — | ||
| Q2 24 | $118.9M | — | ||
| Q1 24 | $108.1M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $1.1B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $979.9M | — | ||
| Q3 25 | $928.5M | $3.0B | ||
| Q2 25 | $1.3B | $3.0B | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.2B | $4.0B | ||
| Q2 24 | $1.1B | $4.0B | ||
| Q1 24 | $1.1B | — |
| Q4 25 | $5.1B | — | ||
| Q3 25 | $5.0B | $5.3B | ||
| Q2 25 | $5.4B | $5.2B | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $4.9B | — | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.7B | — | ||
| Q1 24 | $4.5B | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.39× | ||
| Q2 25 | — | 0.38× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $138.6M |
| Free Cash FlowOCF − Capex | $-90.4M | $126.6M |
| FCF MarginFCF / Revenue | -27.1% | 23.9% |
| Capex IntensityCapex / Revenue | 1.4% | 2.3% |
| Cash ConversionOCF / Net Profit | -1.51× | 3.47× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | — | ||
| Q3 25 | $-10.1M | $138.6M | ||
| Q2 25 | $-12.9M | — | ||
| Q1 25 | $-52.6M | — | ||
| Q4 24 | $-94.6M | — | ||
| Q3 24 | $-35.0M | — | ||
| Q2 24 | $-29.5M | — | ||
| Q1 24 | $-73.0M | — |
| Q4 25 | $-90.4M | — | ||
| Q3 25 | $-11.3M | $126.6M | ||
| Q2 25 | $-14.2M | — | ||
| Q1 25 | $-53.5M | — | ||
| Q4 24 | $-98.6M | — | ||
| Q3 24 | $-36.1M | — | ||
| Q2 24 | $-30.8M | — | ||
| Q1 24 | $-73.5M | — |
| Q4 25 | -27.1% | — | ||
| Q3 25 | -3.6% | 23.9% | ||
| Q2 25 | -4.9% | — | ||
| Q1 25 | -19.8% | — | ||
| Q4 24 | -33.6% | — | ||
| Q3 24 | -12.8% | — | ||
| Q2 24 | -10.8% | — | ||
| Q1 24 | -28.8% | — |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 0.4% | 2.3% | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 1.4% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.2% | — |
| Q4 25 | -1.51× | — | ||
| Q3 25 | — | 3.47× | ||
| 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
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
RAL
| Industrial Manufacturing | $111.1M | 21% |
| Defense And Space | $93.6M | 18% |
| Diversified Electronics | $91.0M | 17% |
| Test And Measurement | $76.8M | 15% |
| Communications | $60.7M | 11% |
| Semiconductors | $51.4M | 10% |
| Other Direct End Markets | $44.4M | 8% |
