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Side-by-side financial comparison of PRA GROUP INC (PRAA) and Smith Douglas Homes Corp. (SDHC). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $260.4M, roughly 1.3× Smith Douglas Homes Corp.). PRA GROUP INC runs the higher net margin — 17.0% vs 1.4%, a 15.6% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -9.4%). Smith Douglas Homes Corp. produced more free cash flow last quarter ($8.7M vs $-90.4M). Over the past eight quarters, Smith Douglas Homes Corp.'s revenue compounded faster (17.3% 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.
Smith & Wesson Brands, Inc. (S&W) is an American firearm manufacturer headquartered in Maryville, Tennessee, United States.
PRAA vs SDHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $260.4M |
| Net Profit | $56.5M | $3.5M |
| Gross Margin | — | 19.9% |
| Operating Margin | 37.7% | 6.5% |
| Net Margin | 17.0% | 1.4% |
| Revenue YoY | 13.7% | -9.4% |
| Net Profit YoY | 206.3% | -14.3% |
| EPS (diluted) | $1.47 | $0.39 |
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 | $260.4M | ||
| Q3 25 | $311.1M | $262.0M | ||
| Q2 25 | $287.7M | $223.9M | ||
| Q1 25 | $269.6M | $224.7M | ||
| Q4 24 | $293.2M | $287.5M | ||
| Q3 24 | $281.5M | $277.8M | ||
| Q2 24 | $284.2M | $220.9M | ||
| Q1 24 | $255.6M | $189.2M |
| Q4 25 | $56.5M | $3.5M | ||
| Q3 25 | $-407.7M | $2.1M | ||
| Q2 25 | $42.4M | $2.4M | ||
| Q1 25 | $3.7M | $2.7M | ||
| Q4 24 | $18.5M | $4.1M | ||
| Q3 24 | $27.2M | $5.3M | ||
| Q2 24 | $21.5M | $3.6M | ||
| Q1 24 | $3.5M | $3.0M |
| Q4 25 | — | 19.9% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 23.2% | ||
| Q1 25 | — | 23.8% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.5% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 26.1% |
| Q4 25 | 37.7% | 6.5% | ||
| Q3 25 | -101.4% | 6.6% | ||
| Q2 25 | 29.6% | 7.7% | ||
| Q1 25 | 27.7% | 8.7% | ||
| Q4 24 | 32.1% | 10.4% | ||
| Q3 24 | 32.0% | 14.2% | ||
| Q2 24 | 31.4% | 11.7% | ||
| Q1 24 | 26.0% | 11.3% |
| Q4 25 | 17.0% | 1.4% | ||
| Q3 25 | -131.0% | 0.8% | ||
| Q2 25 | 14.7% | 1.1% | ||
| Q1 25 | 1.4% | 1.2% | ||
| Q4 24 | 6.3% | 1.4% | ||
| Q3 24 | 9.6% | 1.9% | ||
| Q2 24 | 7.6% | 1.7% | ||
| Q1 24 | 1.4% | 1.6% |
| Q4 25 | $1.47 | $0.39 | ||
| Q3 25 | $-10.43 | $0.24 | ||
| Q2 25 | $1.08 | $0.26 | ||
| Q1 25 | $0.09 | $0.30 | ||
| Q4 24 | $0.47 | $0.50 | ||
| Q3 24 | $0.69 | $0.58 | ||
| Q2 24 | $0.54 | $0.40 | ||
| Q1 24 | $0.09 | $0.33 |
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 | $12.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $86.7M |
| Total Assets | $5.1B | $557.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $12.7M | ||
| Q3 25 | $107.5M | $14.8M | ||
| Q2 25 | $131.6M | $16.8M | ||
| Q1 25 | $128.7M | $12.7M | ||
| Q4 24 | $105.9M | $22.4M | ||
| Q3 24 | $141.1M | $23.7M | ||
| Q2 24 | $118.9M | $17.3M | ||
| Q1 24 | $108.1M | $32.8M |
| Q4 25 | $979.9M | $86.7M | ||
| Q3 25 | $928.5M | $82.2M | ||
| Q2 25 | $1.3B | $80.0M | ||
| Q1 25 | $1.2B | $76.9M | ||
| Q4 24 | $1.1B | $73.6M | ||
| Q3 24 | $1.2B | $68.4M | ||
| Q2 24 | $1.1B | $62.1M | ||
| Q1 24 | $1.1B | $59.7M |
| Q4 25 | $5.1B | $557.6M | ||
| Q3 25 | $5.0B | $571.6M | ||
| Q2 25 | $5.4B | $570.2M | ||
| Q1 25 | $5.1B | $513.9M | ||
| Q4 24 | $4.9B | $475.9M | ||
| Q3 24 | $4.9B | $460.1M | ||
| Q2 24 | $4.7B | $429.3M | ||
| Q1 24 | $4.5B | $401.3M |
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 | $9.8M |
| Free Cash FlowOCF − Capex | $-90.4M | $8.7M |
| FCF MarginFCF / Revenue | -27.1% | 3.4% |
| Capex IntensityCapex / Revenue | 1.4% | 0.4% |
| Cash ConversionOCF / Net Profit | -1.51× | 2.77× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $-36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $9.8M | ||
| Q3 25 | $-10.1M | $22.8M | ||
| Q2 25 | $-12.9M | $-28.9M | ||
| Q1 25 | $-52.6M | $-34.9M | ||
| Q4 24 | $-94.6M | $5.5M | ||
| Q3 24 | $-35.0M | $22.9M | ||
| Q2 24 | $-29.5M | $39.0K | ||
| Q1 24 | $-73.0M | $-9.3M |
| Q4 25 | $-90.4M | $8.7M | ||
| Q3 25 | $-11.3M | $21.4M | ||
| Q2 25 | $-14.2M | $-31.1M | ||
| Q1 25 | $-53.5M | $-35.9M | ||
| Q4 24 | $-98.6M | $4.8M | ||
| Q3 24 | $-36.1M | $22.3M | ||
| Q2 24 | $-30.8M | $-2.1M | ||
| Q1 24 | $-73.5M | $-9.7M |
| Q4 25 | -27.1% | 3.4% | ||
| Q3 25 | -3.6% | 8.2% | ||
| Q2 25 | -4.9% | -13.9% | ||
| Q1 25 | -19.8% | -16.0% | ||
| Q4 24 | -33.6% | 1.7% | ||
| Q3 24 | -12.8% | 8.0% | ||
| Q2 24 | -10.8% | -1.0% | ||
| Q1 24 | -28.8% | -5.1% |
| Q4 25 | 1.4% | 0.4% | ||
| Q3 25 | 0.4% | 0.5% | ||
| Q2 25 | 0.4% | 0.9% | ||
| Q1 25 | 0.3% | 0.5% | ||
| Q4 24 | 1.4% | 0.2% | ||
| Q3 24 | 0.4% | 0.2% | ||
| Q2 24 | 0.5% | 1.0% | ||
| Q1 24 | 0.2% | 0.2% |
| Q4 25 | -1.51× | 2.77× | ||
| Q3 25 | — | 10.70× | ||
| Q2 25 | -0.30× | -12.24× | ||
| Q1 25 | -14.37× | -13.01× | ||
| Q4 24 | -5.13× | 1.33× | ||
| Q3 24 | -1.29× | 4.28× | ||
| Q2 24 | -1.37× | 0.01× | ||
| Q1 24 | -21.01× | -3.12× |
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% |
SDHC
| Southeast | $164.7M | 63% |
| Central | $95.8M | 37% |
