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Side-by-side financial comparison of PRA GROUP INC (PRAA) and TREX CO INC (TREX). Click either name above to swap in a different company.
TREX CO INC is the larger business by last-quarter revenue ($343.4M vs $333.4M, roughly 1.0× PRA GROUP INC). TREX CO INC runs the higher net margin — 17.9% vs 17.0%, a 0.9% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 1.0%). PRA GROUP INC produced more free cash flow last quarter ($-90.4M vs $-143.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -4.5%).
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.
Trex Company, Inc. is a manufacturer of wood-alternative composite decking, residential railing, and other outdoor items made from recycled materials. Its headquarters is in Winchester, Virginia.
PRAA vs TREX — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $343.4M |
| Net Profit | $56.5M | $61.4M |
| Gross Margin | — | 40.5% |
| Operating Margin | 37.7% | 24.3% |
| Net Margin | 17.0% | 17.9% |
| Revenue YoY | 13.7% | 1.0% |
| Net Profit YoY | 206.3% | 1.6% |
| EPS (diluted) | $1.47 | $0.58 |
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 | — | $343.4M | ||
| Q4 25 | $333.4M | $161.1M | ||
| Q3 25 | $311.1M | $285.3M | ||
| Q2 25 | $287.7M | $387.8M | ||
| Q1 25 | $269.6M | $340.0M | ||
| Q4 24 | $293.2M | $167.6M | ||
| Q3 24 | $281.5M | $233.7M | ||
| Q2 24 | $284.2M | $376.5M |
| Q1 26 | — | $61.4M | ||
| Q4 25 | $56.5M | $2.3M | ||
| Q3 25 | $-407.7M | $51.8M | ||
| Q2 25 | $42.4M | $75.9M | ||
| Q1 25 | $3.7M | $60.4M | ||
| Q4 24 | $18.5M | $9.8M | ||
| Q3 24 | $27.2M | $40.6M | ||
| Q2 24 | $21.5M | $87.0M |
| Q1 26 | — | 40.5% | ||
| Q4 25 | — | 30.2% | ||
| Q3 25 | — | 40.5% | ||
| Q2 25 | — | 40.8% | ||
| Q1 25 | — | 40.5% | ||
| Q4 24 | — | 32.7% | ||
| Q3 24 | — | 39.9% | ||
| Q2 24 | — | 44.7% |
| Q1 26 | — | 24.3% | ||
| Q4 25 | 37.7% | 2.2% | ||
| Q3 25 | -101.4% | 24.7% | ||
| Q2 25 | 29.6% | 26.4% | ||
| Q1 25 | 27.7% | 24.0% | ||
| Q4 24 | 32.1% | 9.2% | ||
| Q3 24 | 32.0% | 23.2% | ||
| Q2 24 | 31.4% | 31.1% |
| Q1 26 | — | 17.9% | ||
| Q4 25 | 17.0% | 1.4% | ||
| Q3 25 | -131.0% | 18.1% | ||
| Q2 25 | 14.7% | 19.6% | ||
| Q1 25 | 1.4% | 17.8% | ||
| Q4 24 | 6.3% | 5.8% | ||
| Q3 24 | 9.6% | 17.4% | ||
| Q2 24 | 7.6% | 23.1% |
| Q1 26 | — | $0.58 | ||
| Q4 25 | $1.47 | $0.03 | ||
| Q3 25 | $-10.43 | $0.48 | ||
| Q2 25 | $1.08 | $0.71 | ||
| Q1 25 | $0.09 | $0.56 | ||
| Q4 24 | $0.47 | $0.10 | ||
| Q3 24 | $0.69 | $0.37 | ||
| Q2 24 | $0.54 | $0.80 |
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 | $4.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $995.8M |
| Total Assets | $5.1B | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $4.5M | ||
| Q4 25 | $104.4M | $3.8M | ||
| Q3 25 | $107.5M | $11.4M | ||
| Q2 25 | $131.6M | $5.5M | ||
| Q1 25 | $128.7M | $5.0M | ||
| Q4 24 | $105.9M | $1.3M | ||
| Q3 24 | $141.1M | $12.8M | ||
| Q2 24 | $118.9M | $1.2M |
| Q1 26 | — | $995.8M | ||
| Q4 25 | $979.9M | $1.0B | ||
| Q3 25 | $928.5M | $1.0B | ||
| Q2 25 | $1.3B | $989.3M | ||
| Q1 25 | $1.2B | $910.1M | ||
| Q4 24 | $1.1B | $850.1M | ||
| Q3 24 | $1.2B | $887.9M | ||
| Q2 24 | $1.1B | $894.9M |
| Q1 26 | — | $1.7B | ||
| Q4 25 | $5.1B | $1.5B | ||
| Q3 25 | $5.0B | $1.5B | ||
| Q2 25 | $5.4B | $1.5B | ||
| Q1 25 | $5.1B | $1.6B | ||
| Q4 24 | $4.9B | $1.3B | ||
| Q3 24 | $4.9B | $1.3B | ||
| Q2 24 | $4.7B | $1.3B |
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 | $-118.4M |
| Free Cash FlowOCF − Capex | $-90.4M | $-143.4M |
| FCF MarginFCF / Revenue | -27.1% | -41.8% |
| Capex IntensityCapex / Revenue | 1.4% | — |
| Cash ConversionOCF / Net Profit | -1.51× | -1.93× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $224.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $-118.4M | ||
| Q4 25 | $-85.5M | $65.5M | ||
| Q3 25 | $-10.1M | $196.9M | ||
| Q2 25 | $-12.9M | $249.8M | ||
| Q1 25 | $-52.6M | $-154.0M | ||
| Q4 24 | $-94.6M | $-8.5M | ||
| Q3 24 | $-35.0M | $132.8M | ||
| Q2 24 | $-29.5M | $193.7M |
| Q1 26 | — | $-143.4M | ||
| Q4 25 | $-90.4M | $22.1M | ||
| Q3 25 | $-11.3M | $142.9M | ||
| Q2 25 | $-14.2M | $203.0M | ||
| Q1 25 | $-53.5M | $-233.5M | ||
| Q4 24 | $-98.6M | $-89.3M | ||
| Q3 24 | $-36.1M | $54.5M | ||
| Q2 24 | $-30.8M | $158.2M |
| Q1 26 | — | -41.8% | ||
| Q4 25 | -27.1% | 13.7% | ||
| Q3 25 | -3.6% | 50.1% | ||
| Q2 25 | -4.9% | 52.3% | ||
| Q1 25 | -19.8% | -68.7% | ||
| Q4 24 | -33.6% | -53.3% | ||
| Q3 24 | -12.8% | 23.3% | ||
| Q2 24 | -10.8% | 42.0% |
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 26.9% | ||
| Q3 25 | 0.4% | 18.9% | ||
| Q2 25 | 0.4% | 12.1% | ||
| Q1 25 | 0.3% | 23.4% | ||
| Q4 24 | 1.4% | 48.2% | ||
| Q3 24 | 0.4% | 33.5% | ||
| Q2 24 | 0.5% | 9.4% |
| Q1 26 | — | -1.93× | ||
| Q4 25 | -1.51× | 28.45× | ||
| Q3 25 | — | 3.80× | ||
| Q2 25 | -0.30× | 3.29× | ||
| Q1 25 | -14.37× | -2.55× | ||
| Q4 24 | -5.13× | -0.87× | ||
| Q3 24 | -1.29× | 3.27× | ||
| Q2 24 | -1.37× | 2.23× |
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% |
TREX
Segment breakdown not available.
