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Side-by-side financial comparison of PRA GROUP INC (PRAA) and Simpson Manufacturing Co., Inc. (SSD). Click either name above to swap in a different company.
Simpson Manufacturing Co., Inc. is the larger business by last-quarter revenue ($588.0M vs $333.4M, roughly 1.8× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 15.0%, a 2.0% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 9.1%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -0.8%).
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.
Simpson Manufacturing Company is a leading building materials manufacturer in the United States that produces structural connectors, fasteners, anchors, and products for new construction and retrofitting.
PRAA vs SSD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $588.0M |
| Net Profit | $56.5M | $88.2M |
| Gross Margin | — | 45.2% |
| Operating Margin | 37.7% | 19.5% |
| Net Margin | 17.0% | 15.0% |
| Revenue YoY | 13.7% | 9.1% |
| Net Profit YoY | 206.3% | 13.3% |
| EPS (diluted) | $1.47 | $2.13 |
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.
| Q1 26 | — | $588.0M | ||
| Q4 25 | $333.4M | $539.3M | ||
| Q3 25 | $311.1M | $623.5M | ||
| Q2 25 | $287.7M | $631.1M | ||
| Q1 25 | $269.6M | $538.9M | ||
| Q4 24 | $293.2M | $517.4M | ||
| Q3 24 | $281.5M | $587.2M | ||
| Q2 24 | $284.2M | $597.0M |
| Q1 26 | — | $88.2M | ||
| Q4 25 | $56.5M | $56.2M | ||
| Q3 25 | $-407.7M | $107.4M | ||
| Q2 25 | $42.4M | $103.5M | ||
| Q1 25 | $3.7M | $77.9M | ||
| Q4 24 | $18.5M | $55.4M | ||
| Q3 24 | $27.2M | $93.5M | ||
| Q2 24 | $21.5M | $97.8M |
| Q1 26 | — | 45.2% | ||
| Q4 25 | — | 43.4% | ||
| Q3 25 | — | 46.4% | ||
| Q2 25 | — | 46.7% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 44.0% | ||
| Q3 24 | — | 46.8% | ||
| Q2 24 | — | 46.7% |
| Q1 26 | — | 19.5% | ||
| Q4 25 | 37.7% | 13.9% | ||
| Q3 25 | -101.4% | 22.6% | ||
| Q2 25 | 29.6% | 22.2% | ||
| Q1 25 | 27.7% | 19.0% | ||
| Q4 24 | 32.1% | 14.8% | ||
| Q3 24 | 32.0% | 21.3% | ||
| Q2 24 | 31.4% | 22.1% |
| Q1 26 | — | 15.0% | ||
| Q4 25 | 17.0% | 10.4% | ||
| Q3 25 | -131.0% | 17.2% | ||
| Q2 25 | 14.7% | 16.4% | ||
| Q1 25 | 1.4% | 14.5% | ||
| Q4 24 | 6.3% | 10.7% | ||
| Q3 24 | 9.6% | 15.9% | ||
| Q2 24 | 7.6% | 16.4% |
| Q1 26 | — | $2.13 | ||
| Q4 25 | $1.47 | $1.34 | ||
| Q3 25 | $-10.43 | $2.58 | ||
| Q2 25 | $1.08 | $2.47 | ||
| Q1 25 | $0.09 | $1.85 | ||
| Q4 24 | $0.47 | $1.31 | ||
| Q3 24 | $0.69 | $2.21 | ||
| Q2 24 | $0.54 | $2.31 |
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 | $341.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $2.1B |
| Total Assets | $5.1B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $341.0M | ||
| Q4 25 | $104.4M | $384.1M | ||
| Q3 25 | $107.5M | $297.3M | ||
| Q2 25 | $131.6M | $190.4M | ||
| Q1 25 | $128.7M | $150.3M | ||
| Q4 24 | $105.9M | $239.4M | ||
| Q3 24 | $141.1M | $339.4M | ||
| Q2 24 | $118.9M | $354.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | $300.0M | ||
| Q3 25 | — | $371.3M | ||
| Q2 25 | — | $376.9M | ||
| Q1 25 | — | $382.5M | ||
| Q4 24 | — | $388.1M | ||
| Q3 24 | — | $393.8M | ||
| Q2 24 | — | $399.4M |
| Q1 26 | — | $2.1B | ||
| Q4 25 | $979.9M | $2.0B | ||
| Q3 25 | $928.5M | $2.0B | ||
| Q2 25 | $1.3B | $1.9B | ||
| Q1 25 | $1.2B | $1.9B | ||
| Q4 24 | $1.1B | $1.8B | ||
| Q3 24 | $1.2B | $1.9B | ||
| Q2 24 | $1.1B | $1.8B |
| Q1 26 | — | $3.0B | ||
| Q4 25 | $5.1B | $3.1B | ||
| Q3 25 | $5.0B | $3.0B | ||
| Q2 25 | $5.4B | $3.0B | ||
| Q1 25 | $5.1B | $2.8B | ||
| Q4 24 | $4.9B | $2.7B | ||
| Q3 24 | $4.9B | $2.9B | ||
| Q2 24 | $4.7B | $2.8B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.20× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.23× |
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 | — |
| Free Cash FlowOCF − Capex | $-90.4M | — |
| FCF MarginFCF / Revenue | -27.1% | — |
| Capex IntensityCapex / Revenue | 1.4% | — |
| Cash ConversionOCF / Net Profit | -1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-85.5M | $155.7M | ||
| Q3 25 | $-10.1M | $170.2M | ||
| Q2 25 | $-12.9M | $125.2M | ||
| Q1 25 | $-52.6M | $7.6M | ||
| Q4 24 | $-94.6M | $115.8M | ||
| Q3 24 | $-35.0M | $103.3M | ||
| Q2 24 | $-29.5M | $111.1M |
| Q1 26 | — | — | ||
| Q4 25 | $-90.4M | $119.0M | ||
| Q3 25 | $-11.3M | $133.9M | ||
| Q2 25 | $-14.2M | $87.3M | ||
| Q1 25 | $-53.5M | $-42.6M | ||
| Q4 24 | $-98.6M | $60.3M | ||
| Q3 24 | $-36.1M | $58.1M | ||
| Q2 24 | $-30.8M | $70.9M |
| Q1 26 | — | — | ||
| Q4 25 | -27.1% | 22.1% | ||
| Q3 25 | -3.6% | 21.5% | ||
| Q2 25 | -4.9% | 13.8% | ||
| Q1 25 | -19.8% | -7.9% | ||
| Q4 24 | -33.6% | 11.7% | ||
| Q3 24 | -12.8% | 9.9% | ||
| Q2 24 | -10.8% | 11.9% |
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 6.8% | ||
| Q3 25 | 0.4% | 5.8% | ||
| Q2 25 | 0.4% | 6.0% | ||
| Q1 25 | 0.3% | 9.3% | ||
| Q4 24 | 1.4% | 10.7% | ||
| Q3 24 | 0.4% | 7.7% | ||
| Q2 24 | 0.5% | 6.7% |
| Q1 26 | — | — | ||
| Q4 25 | -1.51× | 2.77× | ||
| Q3 25 | — | 1.58× | ||
| Q2 25 | -0.30× | 1.21× | ||
| Q1 25 | -14.37× | 0.10× | ||
| Q4 24 | -5.13× | 2.09× | ||
| Q3 24 | -1.29× | 1.10× | ||
| Q2 24 | -1.37× | 1.14× |
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% |
SSD
Segment breakdown not available.
