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Side-by-side financial comparison of PRA GROUP INC (PRAA) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
Savers Value Village, Inc. is the larger business by last-quarter revenue ($426.9M vs $333.4M, roughly 1.3× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs -3.3%, a 20.2% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 8.1%). Savers Value Village, Inc. produced more free cash flow last quarter ($-6.3M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
PRAA vs SVV — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $426.9M |
| Net Profit | $56.5M | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | 37.7% | 8.5% |
| Net Margin | 17.0% | -3.3% |
| Revenue YoY | 13.7% | 8.1% |
| Net Profit YoY | 206.3% | -164.6% |
| EPS (diluted) | $1.47 | $-0.09 |
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 | $426.9M | ||
| Q2 25 | $287.7M | $417.2M | ||
| Q1 25 | $269.6M | $370.1M | ||
| Q4 24 | $293.2M | $402.0M | ||
| Q3 24 | $281.5M | $394.8M | ||
| Q2 24 | $284.2M | $386.7M | ||
| Q1 24 | $255.6M | $354.2M |
| Q4 25 | $56.5M | — | ||
| Q3 25 | $-407.7M | $-14.0M | ||
| Q2 25 | $42.4M | $18.9M | ||
| Q1 25 | $3.7M | $-4.7M | ||
| Q4 24 | $18.5M | $-1.9M | ||
| Q3 24 | $27.2M | $21.7M | ||
| Q2 24 | $21.5M | $9.7M | ||
| Q1 24 | $3.5M | $-467.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% | ||
| Q1 24 | — | 24.2% |
| Q4 25 | 37.7% | — | ||
| Q3 25 | -101.4% | 8.5% | ||
| Q2 25 | 29.6% | 8.2% | ||
| Q1 25 | 27.7% | 2.8% | ||
| Q4 24 | 32.1% | 8.2% | ||
| Q3 24 | 32.0% | 12.3% | ||
| Q2 24 | 31.4% | 8.3% | ||
| Q1 24 | 26.0% | 4.6% |
| Q4 25 | 17.0% | — | ||
| Q3 25 | -131.0% | -3.3% | ||
| Q2 25 | 14.7% | 4.5% | ||
| Q1 25 | 1.4% | -1.3% | ||
| Q4 24 | 6.3% | -0.5% | ||
| Q3 24 | 9.6% | 5.5% | ||
| Q2 24 | 7.6% | 2.5% | ||
| Q1 24 | 1.4% | -0.1% |
| Q4 25 | $1.47 | — | ||
| Q3 25 | $-10.43 | $-0.09 | ||
| Q2 25 | $1.08 | $0.12 | ||
| Q1 25 | $0.09 | $-0.03 | ||
| Q4 24 | $0.47 | $-0.02 | ||
| Q3 24 | $0.69 | $0.13 | ||
| Q2 24 | $0.54 | $0.06 | ||
| Q1 24 | $0.09 | $0.00 |
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 | $63.5M |
| Total DebtLower is stronger | — | $750.0M |
| Stockholders' EquityBook value | $979.9M | $414.6M |
| Total Assets | $5.1B | $2.0B |
| Debt / EquityLower = less leverage | — | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | — | ||
| Q3 25 | $107.5M | $63.5M | ||
| Q2 25 | $131.6M | $70.5M | ||
| Q1 25 | $128.7M | $73.0M | ||
| Q4 24 | $105.9M | $150.0M | ||
| Q3 24 | $141.1M | $137.7M | ||
| Q2 24 | $118.9M | $160.7M | ||
| Q1 24 | $108.1M | $102.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | $750.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $979.9M | — | ||
| Q3 25 | $928.5M | $414.6M | ||
| Q2 25 | $1.3B | $423.5M | ||
| Q1 25 | $1.2B | $413.8M | ||
| Q4 24 | $1.1B | $421.7M | ||
| Q3 24 | $1.2B | $432.9M | ||
| Q2 24 | $1.1B | $419.5M | ||
| Q1 24 | $1.1B | $395.0M |
| Q4 25 | $5.1B | — | ||
| Q3 25 | $5.0B | $2.0B | ||
| Q2 25 | $5.4B | $1.9B | ||
| Q1 25 | $5.1B | $1.9B | ||
| Q4 24 | $4.9B | $1.9B | ||
| Q3 24 | $4.9B | $1.9B | ||
| Q2 24 | $4.7B | $1.9B | ||
| Q1 24 | $4.5B | $1.8B |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.81× | ||
| Q2 25 | — | — | ||
| 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 | $21.6M |
| Free Cash FlowOCF − Capex | $-90.4M | $-6.3M |
| FCF MarginFCF / Revenue | -27.1% | -1.5% |
| Capex IntensityCapex / Revenue | 1.4% | 6.5% |
| Cash ConversionOCF / Net Profit | -1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | — | ||
| Q3 25 | $-10.1M | $21.6M | ||
| Q2 25 | $-12.9M | $54.4M | ||
| Q1 25 | $-52.6M | $419.0K | ||
| Q4 24 | $-94.6M | $55.8M | ||
| Q3 24 | $-35.0M | $23.9M | ||
| Q2 24 | $-29.5M | $60.4M | ||
| Q1 24 | $-73.0M | $-5.8M |
| Q4 25 | $-90.4M | — | ||
| Q3 25 | $-11.3M | $-6.3M | ||
| Q2 25 | $-14.2M | $21.9M | ||
| Q1 25 | $-53.5M | $-20.2M | ||
| Q4 24 | $-98.6M | $30.1M | ||
| Q3 24 | $-36.1M | $-3.0M | ||
| Q2 24 | $-30.8M | $29.6M | ||
| Q1 24 | $-73.5M | $-28.3M |
| Q4 25 | -27.1% | — | ||
| Q3 25 | -3.6% | -1.5% | ||
| Q2 25 | -4.9% | 5.2% | ||
| Q1 25 | -19.8% | -5.4% | ||
| Q4 24 | -33.6% | 7.5% | ||
| Q3 24 | -12.8% | -0.8% | ||
| Q2 24 | -10.8% | 7.6% | ||
| Q1 24 | -28.8% | -8.0% |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 0.4% | 6.5% | ||
| Q2 25 | 0.4% | 7.8% | ||
| Q1 25 | 0.3% | 5.6% | ||
| Q4 24 | 1.4% | 6.4% | ||
| Q3 24 | 0.4% | 6.8% | ||
| Q2 24 | 0.5% | 8.0% | ||
| Q1 24 | 0.2% | 6.4% |
| Q4 25 | -1.51× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.30× | 2.88× | ||
| Q1 25 | -14.37× | — | ||
| Q4 24 | -5.13× | — | ||
| Q3 24 | -1.29× | 1.10× | ||
| Q2 24 | -1.37× | 6.22× | ||
| 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% |
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
