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Side-by-side financial comparison of PRA GROUP INC (PRAA) and Tecnoglass Inc. (TGLS). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $245.3M, roughly 1.4× Tecnoglass Inc.). PRA GROUP INC runs the higher net margin — 17.0% vs 10.6%, a 6.3% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 2.4%). Tecnoglass Inc. produced more free cash flow last quarter ($11.4M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 12.8%).
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.
Tecnoglass Inc. is a leading manufacturer of high-performance architectural glass, aluminum windows, doors, and associated building components. It primarily caters to residential and commercial construction sectors across North America and Latin America, offering custom, energy-efficient solutions for new construction and renovation projects.
PRAA vs TGLS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $245.3M |
| Net Profit | $56.5M | $26.1M |
| Gross Margin | — | 40.0% |
| Operating Margin | 37.7% | 18.3% |
| Net Margin | 17.0% | 10.6% |
| Revenue YoY | 13.7% | 2.4% |
| Net Profit YoY | 206.3% | -44.5% |
| EPS (diluted) | $1.47 | $0.57 |
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 | $245.3M | ||
| Q3 25 | $311.1M | $260.5M | ||
| Q2 25 | $287.7M | $255.5M | ||
| Q1 25 | $269.6M | $222.3M | ||
| Q4 24 | $293.2M | $239.6M | ||
| Q3 24 | $281.5M | $238.3M | ||
| Q2 24 | $284.2M | $219.7M | ||
| Q1 24 | $255.6M | $192.6M |
| Q4 25 | $56.5M | $26.1M | ||
| Q3 25 | $-407.7M | $47.2M | ||
| Q2 25 | $42.4M | $44.1M | ||
| Q1 25 | $3.7M | $42.2M | ||
| Q4 24 | $18.5M | $47.0M | ||
| Q3 24 | $27.2M | $49.5M | ||
| Q2 24 | $21.5M | $35.0M | ||
| Q1 24 | $3.5M | $29.7M |
| Q4 25 | — | 40.0% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 43.9% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 40.8% | ||
| Q1 24 | — | 38.8% |
| Q4 25 | 37.7% | 18.3% | ||
| Q3 25 | -101.4% | 25.1% | ||
| Q2 25 | 29.6% | 24.0% | ||
| Q1 25 | 27.7% | 26.7% | ||
| Q4 24 | 32.1% | 28.0% | ||
| Q3 24 | 32.0% | 28.4% | ||
| Q2 24 | 31.4% | 23.3% | ||
| Q1 24 | 26.0% | 21.3% |
| Q4 25 | 17.0% | 10.6% | ||
| Q3 25 | -131.0% | 18.1% | ||
| Q2 25 | 14.7% | 17.3% | ||
| Q1 25 | 1.4% | 19.0% | ||
| Q4 24 | 6.3% | 19.6% | ||
| Q3 24 | 9.6% | 20.8% | ||
| Q2 24 | 7.6% | 15.9% | ||
| Q1 24 | 1.4% | 15.4% |
| Q4 25 | $1.47 | $0.57 | ||
| Q3 25 | $-10.43 | $1.01 | ||
| Q2 25 | $1.08 | $0.94 | ||
| Q1 25 | $0.09 | $0.90 | ||
| Q4 24 | $0.47 | $1.00 | ||
| Q3 24 | $0.69 | $1.05 | ||
| Q2 24 | $0.54 | $0.75 | ||
| Q1 24 | $0.09 | $0.63 |
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 | $104.1M |
| Total DebtLower is stronger | — | $174.4M |
| Stockholders' EquityBook value | $979.9M | $713.1M |
| Total Assets | $5.1B | $1.3B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $104.1M | ||
| Q3 25 | $107.5M | $127.1M | ||
| Q2 25 | $131.6M | $140.9M | ||
| Q1 25 | $128.7M | $160.2M | ||
| Q4 24 | $105.9M | $137.5M | ||
| Q3 24 | $141.1M | $124.8M | ||
| Q2 24 | $118.9M | $129.5M | ||
| Q1 24 | $108.1M | $138.8M |
| Q4 25 | — | $174.4M | ||
| Q3 25 | — | $114.7M | ||
| Q2 25 | — | $110.6M | ||
| Q1 25 | — | $110.6M | ||
| Q4 24 | — | $111.1M | ||
| Q3 24 | — | $126.8M | ||
| Q2 24 | — | $144.7M | ||
| Q1 24 | — | $160.9M |
| Q4 25 | $979.9M | $713.1M | ||
| Q3 25 | $928.5M | $764.0M | ||
| Q2 25 | $1.3B | $736.0M | ||
| Q1 25 | $1.2B | $685.1M | ||
| Q4 24 | $1.1B | $631.2M | ||
| Q3 24 | $1.2B | $613.3M | ||
| Q2 24 | $1.1B | $574.8M | ||
| Q1 24 | $1.1B | $573.6M |
| Q4 25 | $5.1B | $1.3B | ||
| Q3 25 | $5.0B | $1.2B | ||
| Q2 25 | $5.4B | $1.2B | ||
| Q1 25 | $5.1B | $1.1B | ||
| Q4 24 | $4.9B | $1.0B | ||
| Q3 24 | $4.9B | $996.3M | ||
| Q2 24 | $4.7B | $942.5M | ||
| Q1 24 | $4.5B | $981.6M |
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.25× | ||
| Q1 24 | — | 0.28× |
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 | $31.0M |
| Free Cash FlowOCF − Capex | $-90.4M | $11.4M |
| FCF MarginFCF / Revenue | -27.1% | 4.7% |
| Capex IntensityCapex / Revenue | 1.4% | 8.0% |
| Cash ConversionOCF / Net Profit | -1.51× | 1.19× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $34.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $31.0M | ||
| Q3 25 | $-10.1M | $40.0M | ||
| Q2 25 | $-12.9M | $17.9M | ||
| Q1 25 | $-52.6M | $46.9M | ||
| Q4 24 | $-94.6M | $61.1M | ||
| Q3 24 | $-35.0M | $41.5M | ||
| Q2 24 | $-29.5M | $34.5M | ||
| Q1 24 | $-73.0M | $33.4M |
| Q4 25 | $-90.4M | $11.4M | ||
| Q3 25 | $-11.3M | $21.2M | ||
| Q2 25 | $-14.2M | $-14.7M | ||
| Q1 25 | $-53.5M | $16.5M | ||
| Q4 24 | $-98.6M | $35.4M | ||
| Q3 24 | $-36.1M | $17.8M | ||
| Q2 24 | $-30.8M | $14.2M | ||
| Q1 24 | $-73.5M | $23.6M |
| Q4 25 | -27.1% | 4.7% | ||
| Q3 25 | -3.6% | 8.2% | ||
| Q2 25 | -4.9% | -5.7% | ||
| Q1 25 | -19.8% | 7.4% | ||
| Q4 24 | -33.6% | 14.8% | ||
| Q3 24 | -12.8% | 7.5% | ||
| Q2 24 | -10.8% | 6.5% | ||
| Q1 24 | -28.8% | 12.2% |
| Q4 25 | 1.4% | 8.0% | ||
| Q3 25 | 0.4% | 7.2% | ||
| Q2 25 | 0.4% | 12.7% | ||
| Q1 25 | 0.3% | 13.7% | ||
| Q4 24 | 1.4% | 10.7% | ||
| Q3 24 | 0.4% | 9.9% | ||
| Q2 24 | 0.5% | 9.2% | ||
| Q1 24 | 0.2% | 5.1% |
| Q4 25 | -1.51× | 1.19× | ||
| Q3 25 | — | 0.85× | ||
| Q2 25 | -0.30× | 0.41× | ||
| Q1 25 | -14.37× | 1.11× | ||
| Q4 24 | -5.13× | 1.30× | ||
| Q3 24 | -1.29× | 0.84× | ||
| Q2 24 | -1.37× | 0.98× | ||
| Q1 24 | -21.01× | 1.13× |
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% |
TGLS
| Product Sales | $164.2M | 67% |
| Fixed Price Contracts | $81.1M | 33% |
| Related Party | $692.0K | 0% |
