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Side-by-side financial comparison of PRA GROUP INC (PRAA) and CVR PARTNERS, LP (UAN). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $180.0M, roughly 1.9× CVR PARTNERS, LP). CVR PARTNERS, LP runs the higher net margin — 27.7% vs 17.0%, a 10.8% gap on every dollar of revenue. On growth, CVR PARTNERS, LP posted the faster year-over-year revenue change (26.0% vs 13.7%). Over the past eight quarters, CVR PARTNERS, LP's revenue compounded faster (16.4% CAGR vs 14.2%).
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.
CVR Partners, LP is a leading North American producer of nitrogen-based fertilizer products, primarily urea ammonium nitrate (UAN) and ammonia. It serves agricultural, industrial and commercial markets across the U.S. and Canada, delivering cost-effective, high-quality nutrient solutions for crop production and diverse industrial use cases.
PRAA vs UAN — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $180.0M |
| Net Profit | $56.5M | $49.9M |
| Gross Margin | — | 37.5% |
| Operating Margin | 37.7% | 32.0% |
| Net Margin | 17.0% | 27.7% |
| Revenue YoY | 13.7% | 26.0% |
| Net Profit YoY | 206.3% | 84.3% |
| EPS (diluted) | $1.47 | — |
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 | — | $180.0M | ||
| Q4 25 | $333.4M | $131.1M | ||
| Q3 25 | $311.1M | $163.5M | ||
| Q2 25 | $287.7M | $168.6M | ||
| Q1 25 | $269.6M | $142.9M | ||
| Q4 24 | $293.2M | $139.6M | ||
| Q3 24 | $281.5M | $125.2M | ||
| Q2 24 | $284.2M | $132.9M |
| Q1 26 | — | $49.9M | ||
| Q4 25 | $56.5M | $-10.3M | ||
| Q3 25 | $-407.7M | $43.1M | ||
| Q2 25 | $42.4M | $38.8M | ||
| Q1 25 | $3.7M | $27.1M | ||
| Q4 24 | $18.5M | $18.3M | ||
| Q3 24 | $27.2M | $3.8M | ||
| Q2 24 | $21.5M | $26.2M |
| Q1 26 | — | 37.5% | ||
| Q4 25 | — | 4.4% | ||
| Q3 25 | — | 37.0% | ||
| Q2 25 | — | 32.4% | ||
| Q1 25 | — | 29.7% | ||
| Q4 24 | — | 23.8% | ||
| Q3 24 | — | 14.7% | ||
| Q2 24 | — | 30.0% |
| Q1 26 | — | 32.0% | ||
| Q4 25 | 37.7% | -2.2% | ||
| Q3 25 | -101.4% | 31.0% | ||
| Q2 25 | 29.6% | 27.5% | ||
| Q1 25 | 27.7% | 24.2% | ||
| Q4 24 | 32.1% | 18.4% | ||
| Q3 24 | 32.0% | 8.8% | ||
| Q2 24 | 31.4% | 25.3% |
| Q1 26 | — | 27.7% | ||
| Q4 25 | 17.0% | -7.8% | ||
| Q3 25 | -131.0% | 26.3% | ||
| Q2 25 | 14.7% | 23.0% | ||
| Q1 25 | 1.4% | 19.0% | ||
| Q4 24 | 6.3% | 13.1% | ||
| Q3 24 | 9.6% | 3.0% | ||
| Q2 24 | 7.6% | 19.7% |
| Q1 26 | — | — | ||
| Q4 25 | $1.47 | $-0.98 | ||
| Q3 25 | $-10.43 | $4.08 | ||
| Q2 25 | $1.08 | $3.67 | ||
| Q1 25 | $0.09 | $2.56 | ||
| Q4 24 | $0.47 | $1.73 | ||
| Q3 24 | $0.69 | $0.36 | ||
| Q2 24 | $0.54 | $2.48 |
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 | $128.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | — |
| Total Assets | $5.1B | $1.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $128.1M | ||
| Q4 25 | $104.4M | $69.2M | ||
| Q3 25 | $107.5M | $156.2M | ||
| Q2 25 | $131.6M | $114.4M | ||
| Q1 25 | $128.7M | $121.8M | ||
| Q4 24 | $105.9M | $90.9M | ||
| Q3 24 | $141.1M | $110.5M | ||
| Q2 24 | $118.9M | $47.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $569.1M | ||
| Q3 25 | — | $569.1M | ||
| Q2 25 | — | $569.2M | ||
| Q1 25 | — | $569.3M | ||
| Q4 24 | — | $568.0M | ||
| Q3 24 | — | $547.7M | ||
| Q2 24 | — | $547.6M |
| Q1 26 | — | — | ||
| Q4 25 | $979.9M | — | ||
| Q3 25 | $928.5M | — | ||
| Q2 25 | $1.3B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.1B | — |
| Q1 26 | — | $1.0B | ||
| Q4 25 | $5.1B | $969.5M | ||
| Q3 25 | $5.0B | $1.0B | ||
| Q2 25 | $5.4B | $998.0M | ||
| Q1 25 | $5.1B | $1.0B | ||
| Q4 24 | $4.9B | $1.0B | ||
| Q3 24 | $4.9B | $986.6M | ||
| Q2 24 | $4.7B | $959.4M |
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% | 7.6% |
| Cash ConversionOCF / Net Profit | -1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-85.5M | $-21.6M | ||
| Q3 25 | $-10.1M | $91.7M | ||
| Q2 25 | $-12.9M | $24.1M | ||
| Q1 25 | $-52.6M | $55.4M | ||
| Q4 24 | $-94.6M | $12.8M | ||
| Q3 24 | $-35.0M | $86.7M | ||
| Q2 24 | $-29.5M | $8.6M |
| Q1 26 | — | — | ||
| Q4 25 | $-90.4M | $-45.2M | ||
| Q3 25 | $-11.3M | $80.1M | ||
| Q2 25 | $-14.2M | $18.4M | ||
| Q1 25 | $-53.5M | $45.5M | ||
| Q4 24 | $-98.6M | $-5.6M | ||
| Q3 24 | $-36.1M | $82.3M | ||
| Q2 24 | $-30.8M | $2.4M |
| Q1 26 | — | — | ||
| Q4 25 | -27.1% | -34.5% | ||
| Q3 25 | -3.6% | 49.0% | ||
| Q2 25 | -4.9% | 10.9% | ||
| Q1 25 | -19.8% | 31.9% | ||
| Q4 24 | -33.6% | -4.0% | ||
| Q3 24 | -12.8% | 65.7% | ||
| Q2 24 | -10.8% | 1.8% |
| Q1 26 | — | 7.6% | ||
| Q4 25 | 1.4% | 18.0% | ||
| Q3 25 | 0.4% | 7.1% | ||
| Q2 25 | 0.4% | 3.4% | ||
| Q1 25 | 0.3% | 6.9% | ||
| Q4 24 | 1.4% | 13.1% | ||
| Q3 24 | 0.4% | 3.6% | ||
| Q2 24 | 0.5% | 4.6% |
| Q1 26 | — | — | ||
| Q4 25 | -1.51× | — | ||
| Q3 25 | — | 2.13× | ||
| Q2 25 | -0.30× | 0.62× | ||
| Q1 25 | -14.37× | 2.04× | ||
| Q4 24 | -5.13× | 0.70× | ||
| Q3 24 | -1.29× | 22.78× | ||
| Q2 24 | -1.37× | 0.33× |
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% |
UAN
| Fertilizer sales | $166.1M | 92% |
| Other | $14.0M | 8% |
