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Side-by-side financial comparison of PRA GROUP INC (PRAA) and STONERIDGE INC (SRI). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $205.2M, roughly 1.6× STONERIDGE INC). On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -6.0%). STONERIDGE INC produced more free cash flow last quarter ($2.6M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -7.4%).
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.
Stoneridge Inc is a global designer and manufacturer of advanced electrical and electronic components, integrated systems, and sensor solutions. It serves automotive, commercial vehicle, off-highway, and aerospace sectors, delivering products that boost vehicle safety, efficiency, connectivity, and environmental performance across key global markets.
PRAA vs SRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $205.2M |
| Net Profit | $56.5M | — |
| Gross Margin | — | 16.2% |
| Operating Margin | 37.7% | -14.4% |
| Net Margin | 17.0% | — |
| Revenue YoY | 13.7% | -6.0% |
| Net Profit YoY | 206.3% | — |
| EPS (diluted) | $1.47 | $-2.76 |
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 | $205.2M | ||
| Q3 25 | $311.1M | $210.3M | ||
| Q2 25 | $287.7M | $228.0M | ||
| Q1 25 | $269.6M | $217.9M | ||
| Q4 24 | $293.2M | $218.2M | ||
| Q3 24 | $281.5M | $213.8M | ||
| Q2 24 | $284.2M | $237.1M | ||
| Q1 24 | $255.6M | $239.2M |
| Q4 25 | $56.5M | — | ||
| Q3 25 | $-407.7M | $-9.4M | ||
| Q2 25 | $42.4M | $-9.4M | ||
| Q1 25 | $3.7M | $-7.2M | ||
| Q4 24 | $18.5M | — | ||
| Q3 24 | $27.2M | $-7.1M | ||
| Q2 24 | $21.5M | $2.8M | ||
| Q1 24 | $3.5M | $-6.1M |
| Q4 25 | — | 16.2% | ||
| Q3 25 | — | 20.3% | ||
| Q2 25 | — | 21.5% | ||
| Q1 25 | — | 21.2% | ||
| Q4 24 | — | 19.5% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 20.2% |
| Q4 25 | 37.7% | -14.4% | ||
| Q3 25 | -101.4% | -1.6% | ||
| Q2 25 | 29.6% | -1.1% | ||
| Q1 25 | 27.7% | -1.5% | ||
| Q4 24 | 32.1% | -2.0% | ||
| Q3 24 | 32.0% | 0.1% | ||
| Q2 24 | 31.4% | 1.4% | ||
| Q1 24 | 26.0% | 0.1% |
| Q4 25 | 17.0% | — | ||
| Q3 25 | -131.0% | -4.5% | ||
| Q2 25 | 14.7% | -4.1% | ||
| Q1 25 | 1.4% | -3.3% | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 9.6% | -3.3% | ||
| Q2 24 | 7.6% | 1.2% | ||
| Q1 24 | 1.4% | -2.6% |
| Q4 25 | $1.47 | $-2.76 | ||
| Q3 25 | $-10.43 | $-0.34 | ||
| Q2 25 | $1.08 | $-0.34 | ||
| Q1 25 | $0.09 | $-0.26 | ||
| Q4 24 | $0.47 | $-0.22 | ||
| Q3 24 | $0.69 | $-0.26 | ||
| Q2 24 | $0.54 | $0.10 | ||
| Q1 24 | $0.09 | $-0.22 |
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 | $66.3M |
| Total DebtLower is stronger | — | $180.9M |
| Stockholders' EquityBook value | $979.9M | $179.8M |
| Total Assets | $5.1B | $551.2M |
| Debt / EquityLower = less leverage | — | 1.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $66.3M | ||
| Q3 25 | $107.5M | $54.0M | ||
| Q2 25 | $131.6M | $49.8M | ||
| Q1 25 | $128.7M | $79.1M | ||
| Q4 24 | $105.9M | $71.8M | ||
| Q3 24 | $141.1M | $54.1M | ||
| Q2 24 | $118.9M | $42.1M | ||
| Q1 24 | $108.1M | $48.4M |
| Q4 25 | — | $180.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $201.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $979.9M | $179.8M | ||
| Q3 25 | $928.5M | $251.2M | ||
| Q2 25 | $1.3B | $260.5M | ||
| Q1 25 | $1.2B | $253.1M | ||
| Q4 24 | $1.1B | $245.3M | ||
| Q3 24 | $1.2B | $271.4M | ||
| Q2 24 | $1.1B | $270.5M | ||
| Q1 24 | $1.1B | $277.3M |
| Q4 25 | $5.1B | $551.2M | ||
| Q3 25 | $5.0B | $632.1M | ||
| Q2 25 | $5.4B | $639.4M | ||
| Q1 25 | $5.1B | $657.4M | ||
| Q4 24 | $4.9B | $621.6M | ||
| Q3 24 | $4.9B | $662.5M | ||
| Q2 24 | $4.7B | $666.7M | ||
| Q1 24 | $4.5B | $675.4M |
| Q4 25 | — | 1.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.82× | ||
| 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 | $8.8M |
| Free Cash FlowOCF − Capex | $-90.4M | $2.6M |
| FCF MarginFCF / Revenue | -27.1% | 1.3% |
| Capex IntensityCapex / Revenue | 1.4% | 3.0% |
| Cash ConversionOCF / Net Profit | -1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $12.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $8.8M | ||
| Q3 25 | $-10.1M | $3.6M | ||
| Q2 25 | $-12.9M | $10.7M | ||
| Q1 25 | $-52.6M | $10.9M | ||
| Q4 24 | $-94.6M | $19.2M | ||
| Q3 24 | $-35.0M | $10.8M | ||
| Q2 24 | $-29.5M | $8.7M | ||
| Q1 24 | $-73.0M | $9.1M |
| Q4 25 | $-90.4M | $2.6M | ||
| Q3 25 | $-11.3M | $-2.7M | ||
| Q2 25 | $-14.2M | $7.4M | ||
| Q1 25 | $-53.5M | $4.8M | ||
| Q4 24 | $-98.6M | $14.0M | ||
| Q3 24 | $-36.1M | $4.6M | ||
| Q2 24 | $-30.8M | $1.5M | ||
| Q1 24 | $-73.5M | $3.3M |
| Q4 25 | -27.1% | 1.3% | ||
| Q3 25 | -3.6% | -1.3% | ||
| Q2 25 | -4.9% | 3.3% | ||
| Q1 25 | -19.8% | 2.2% | ||
| Q4 24 | -33.6% | 6.4% | ||
| Q3 24 | -12.8% | 2.2% | ||
| Q2 24 | -10.8% | 0.6% | ||
| Q1 24 | -28.8% | 1.4% |
| Q4 25 | 1.4% | 3.0% | ||
| Q3 25 | 0.4% | 3.0% | ||
| Q2 25 | 0.4% | 1.4% | ||
| Q1 25 | 0.3% | 2.8% | ||
| Q4 24 | 1.4% | 2.4% | ||
| Q3 24 | 0.4% | 2.9% | ||
| Q2 24 | 0.5% | 3.0% | ||
| Q1 24 | 0.2% | 2.4% |
| 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× | 3.11× | ||
| 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% |
SRI
| Control Devices | $51.7M | 25% |
| Electronics | $38.0M | 19% |
| EE | $34.2M | 17% |
| SE | $28.6M | 14% |
| NL | $24.5M | 12% |
| Stoneridge Brazil | $14.1M | 7% |
| Asia Pacific | $13.1M | 6% |
