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Side-by-side financial comparison of PRA GROUP INC (PRAA) and INTERFACE INC (TILE). Click either name above to swap in a different company.
INTERFACE INC is the larger business by last-quarter revenue ($349.4M vs $333.4M, roughly 1.0× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 7.0%, a 10.0% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 4.3%). INTERFACE INC produced more free cash flow last quarter ($28.6M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 9.8%).
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.
Interface, Inc., headquartered in Atlanta, Georgia, is a global manufacturer of commercial flooring. The company sells modular carpet tiles, luxury vinyl tile, and Nora brand rubber flooring.
PRAA vs TILE — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $349.4M |
| Net Profit | $56.5M | $24.4M |
| Gross Margin | — | 38.6% |
| Operating Margin | 37.7% | 10.1% |
| Net Margin | 17.0% | 7.0% |
| Revenue YoY | 13.7% | 4.3% |
| Net Profit YoY | 206.3% | 12.1% |
| EPS (diluted) | $1.47 | $0.41 |
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 | $349.4M | ||
| Q3 25 | $311.1M | $364.5M | ||
| Q2 25 | $287.7M | $375.5M | ||
| Q1 25 | $269.6M | $297.4M | ||
| Q4 24 | $293.2M | $335.0M | ||
| Q3 24 | $281.5M | $344.3M | ||
| Q2 24 | $284.2M | $346.6M | ||
| Q1 24 | $255.6M | $289.7M |
| Q4 25 | $56.5M | $24.4M | ||
| Q3 25 | $-407.7M | $46.1M | ||
| Q2 25 | $42.4M | $32.6M | ||
| Q1 25 | $3.7M | $13.0M | ||
| Q4 24 | $18.5M | $21.8M | ||
| Q3 24 | $27.2M | $28.4M | ||
| Q2 24 | $21.5M | $22.6M | ||
| Q1 24 | $3.5M | $14.2M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 39.4% | ||
| Q2 25 | — | 39.4% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 36.5% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 35.4% | ||
| Q1 24 | — | 38.1% |
| Q4 25 | 37.7% | 10.1% | ||
| Q3 25 | -101.4% | 14.6% | ||
| Q2 25 | 29.6% | 13.9% | ||
| Q1 25 | 27.7% | 7.8% | ||
| Q4 24 | 32.1% | 8.8% | ||
| Q3 24 | 32.0% | 12.3% | ||
| Q2 24 | 31.4% | 11.0% | ||
| Q1 24 | 26.0% | 8.4% |
| Q4 25 | 17.0% | 7.0% | ||
| Q3 25 | -131.0% | 12.7% | ||
| Q2 25 | 14.7% | 8.7% | ||
| Q1 25 | 1.4% | 4.4% | ||
| Q4 24 | 6.3% | 6.5% | ||
| Q3 24 | 9.6% | 8.3% | ||
| Q2 24 | 7.6% | 6.5% | ||
| Q1 24 | 1.4% | 4.9% |
| Q4 25 | $1.47 | $0.41 | ||
| Q3 25 | $-10.43 | $0.78 | ||
| Q2 25 | $1.08 | $0.55 | ||
| Q1 25 | $0.09 | $0.22 | ||
| Q4 24 | $0.47 | $0.38 | ||
| Q3 24 | $0.69 | $0.48 | ||
| Q2 24 | $0.54 | $0.38 | ||
| Q1 24 | $0.09 | $0.24 |
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 | $71.3M |
| Total DebtLower is stronger | — | $181.6M |
| Stockholders' EquityBook value | $979.9M | $640.7M |
| Total Assets | $5.1B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.28× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $71.3M | ||
| Q3 25 | $107.5M | $187.4M | ||
| Q2 25 | $131.6M | $121.7M | ||
| Q1 25 | $128.7M | $97.8M | ||
| Q4 24 | $105.9M | $99.2M | ||
| Q3 24 | $141.1M | $115.6M | ||
| Q2 24 | $118.9M | $94.2M | ||
| Q1 24 | $108.1M | $89.8M |
| Q4 25 | — | $181.6M | ||
| Q3 25 | — | $307.8M | ||
| Q2 25 | — | $304.4M | ||
| Q1 25 | — | $302.9M | ||
| Q4 24 | — | $302.8M | ||
| Q3 24 | — | $337.9M | ||
| Q2 24 | — | $387.6M | ||
| Q1 24 | — | $391.8M |
| Q4 25 | $979.9M | $640.7M | ||
| Q3 25 | $928.5M | $621.0M | ||
| Q2 25 | $1.3B | $575.0M | ||
| Q1 25 | $1.2B | $513.1M | ||
| Q4 24 | $1.1B | $489.1M | ||
| Q3 24 | $1.2B | $501.6M | ||
| Q2 24 | $1.1B | $451.2M | ||
| Q1 24 | $1.1B | $428.5M |
| Q4 25 | $5.1B | $1.2B | ||
| Q3 25 | $5.0B | $1.3B | ||
| Q2 25 | $5.4B | $1.3B | ||
| Q1 25 | $5.1B | $1.2B | ||
| Q4 24 | $4.9B | $1.2B | ||
| Q3 24 | $4.9B | $1.2B | ||
| Q2 24 | $4.7B | $1.2B | ||
| Q1 24 | $4.5B | $1.2B |
| Q4 25 | — | 0.28× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.53× | ||
| Q1 25 | — | 0.59× | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | 0.67× | ||
| Q2 24 | — | 0.86× | ||
| Q1 24 | — | 0.91× |
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 | $49.3M |
| Free Cash FlowOCF − Capex | $-90.4M | $28.6M |
| FCF MarginFCF / Revenue | -27.1% | 8.2% |
| Capex IntensityCapex / Revenue | 1.4% | 5.9% |
| Cash ConversionOCF / Net Profit | -1.51× | 2.02× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $121.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $49.3M | ||
| Q3 25 | $-10.1M | $76.7M | ||
| Q2 25 | $-12.9M | $30.1M | ||
| Q1 25 | $-52.6M | $11.7M | ||
| Q4 24 | $-94.6M | $38.0M | ||
| Q3 24 | $-35.0M | $76.2M | ||
| Q2 24 | $-29.5M | $21.5M | ||
| Q1 24 | $-73.0M | $12.6M |
| Q4 25 | $-90.4M | $28.6M | ||
| Q3 25 | $-11.3M | $66.1M | ||
| Q2 25 | $-14.2M | $22.8M | ||
| Q1 25 | $-53.5M | $4.3M | ||
| Q4 24 | $-98.6M | $24.4M | ||
| Q3 24 | $-36.1M | $69.7M | ||
| Q2 24 | $-30.8M | $12.0M | ||
| Q1 24 | $-73.5M | $8.6M |
| Q4 25 | -27.1% | 8.2% | ||
| Q3 25 | -3.6% | 18.1% | ||
| Q2 25 | -4.9% | 6.1% | ||
| Q1 25 | -19.8% | 1.4% | ||
| Q4 24 | -33.6% | 7.3% | ||
| Q3 24 | -12.8% | 20.3% | ||
| Q2 24 | -10.8% | 3.5% | ||
| Q1 24 | -28.8% | 3.0% |
| Q4 25 | 1.4% | 5.9% | ||
| Q3 25 | 0.4% | 2.9% | ||
| Q2 25 | 0.4% | 2.0% | ||
| Q1 25 | 0.3% | 2.5% | ||
| Q4 24 | 1.4% | 4.1% | ||
| Q3 24 | 0.4% | 1.9% | ||
| Q2 24 | 0.5% | 2.8% | ||
| Q1 24 | 0.2% | 1.4% |
| Q4 25 | -1.51× | 2.02× | ||
| Q3 25 | — | 1.66× | ||
| Q2 25 | -0.30× | 0.93× | ||
| Q1 25 | -14.37× | 0.90× | ||
| Q4 24 | -5.13× | 1.75× | ||
| Q3 24 | -1.29× | 2.68× | ||
| Q2 24 | -1.37× | 0.95× | ||
| Q1 24 | -21.01× | 0.89× |
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% |
TILE
| AMS | $205.9M | 59% |
| EAAA | $143.5M | 41% |
