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Side-by-side financial comparison of PRA GROUP INC (PRAA) and Trip.com Group Ltd (TCOM). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $304.6M, roughly 1.1× Trip.com Group Ltd). Trip.com Group Ltd runs the higher net margin — 27.8% vs 17.0%, a 10.8% gap on every dollar of revenue.
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.
Trip.com Group Limited is a multinational travel agency headquartered in Shanghai, China. It is the largest online travel service provider in the world.
PRAA vs TCOM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $304.6M |
| Net Profit | $56.5M | $84.6M |
| Gross Margin | — | 78.8% |
| Operating Margin | 37.7% | 16.5% |
| Net Margin | 17.0% | 27.8% |
| Revenue YoY | 13.7% | — |
| Net Profit YoY | 206.3% | — |
| EPS (diluted) | $1.47 | $0.12 |
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 | $304.6M | ||
| Q3 25 | $311.1M | — | ||
| Q2 25 | $287.7M | — | ||
| Q1 25 | $269.6M | — | ||
| Q4 24 | $293.2M | — | ||
| Q3 24 | $281.5M | — | ||
| Q2 24 | $284.2M | $242.7M | ||
| Q1 24 | $255.6M | — |
| Q4 25 | $56.5M | $84.6M | ||
| Q3 25 | $-407.7M | — | ||
| Q2 25 | $42.4M | — | ||
| Q1 25 | $3.7M | — | ||
| Q4 24 | $18.5M | — | ||
| Q3 24 | $27.2M | — | ||
| Q2 24 | $21.5M | $73.8M | ||
| Q1 24 | $3.5M | — |
| Q4 25 | — | 78.8% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 81.8% | ||
| Q1 24 | — | — |
| Q4 25 | 37.7% | 16.5% | ||
| Q3 25 | -101.4% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 27.7% | — | ||
| Q4 24 | 32.1% | — | ||
| Q3 24 | 32.0% | — | ||
| Q2 24 | 31.4% | 27.8% | ||
| Q1 24 | 26.0% | — |
| Q4 25 | 17.0% | 27.8% | ||
| Q3 25 | -131.0% | — | ||
| Q2 25 | 14.7% | — | ||
| Q1 25 | 1.4% | — | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 9.6% | — | ||
| Q2 24 | 7.6% | 30.4% | ||
| Q1 24 | 1.4% | — |
| Q4 25 | $1.47 | $0.12 | ||
| Q3 25 | $-10.43 | — | ||
| Q2 25 | $1.08 | — | ||
| Q1 25 | $0.09 | — | ||
| Q4 24 | $0.47 | — | ||
| Q3 24 | $0.69 | — | ||
| Q2 24 | $0.54 | $0.11 | ||
| 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 | $10.8B |
| Total DebtLower is stronger | — | $4.2B |
| Stockholders' EquityBook value | $979.9M | $23.8B |
| Total Assets | $5.1B | $36.9B |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $10.8B | ||
| Q3 25 | $107.5M | — | ||
| Q2 25 | $131.6M | — | ||
| Q1 25 | $128.7M | — | ||
| Q4 24 | $105.9M | — | ||
| Q3 24 | $141.1M | — | ||
| Q2 24 | $118.9M | $12.4B | ||
| Q1 24 | $108.1M | — |
| Q4 25 | — | $4.2B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $8.2B | ||
| Q1 24 | — | — |
| Q4 25 | $979.9M | $23.8B | ||
| Q3 25 | $928.5M | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.1B | $18.1B | ||
| Q1 24 | $1.1B | — |
| Q4 25 | $5.1B | $36.9B | ||
| Q3 25 | $5.0B | — | ||
| Q2 25 | $5.4B | — | ||
| Q1 25 | $5.1B | — | ||
| Q4 24 | $4.9B | — | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.7B | $34.2B | ||
| Q1 24 | $4.5B | — |
| Q4 25 | — | 0.18× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.45× | ||
| 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 | — |
| 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.
| Q4 25 | $-85.5M | — | ||
| Q3 25 | $-10.1M | — | ||
| 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 | — | ||
| 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% | — | ||
| 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% | — | ||
| 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 | — | — | ||
| 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% |
TCOM
| Others | $273.0M | 90% |
| Other | $31.6M | 10% |
