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Side-by-side financial comparison of PRA GROUP INC (PRAA) and UDR, Inc. (UDR). Click either name above to swap in a different company.
UDR, Inc. is the larger business by last-quarter revenue ($425.8M vs $333.4M, roughly 1.3× PRA GROUP INC). UDR, Inc. runs the higher net margin — 44.6% vs 17.0%, a 27.6% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 0.9%). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 1.3%).
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.
UDR, Inc. is a leading U.S.-headquartered real estate investment trust specializing in owning, operating, and redeveloping high-quality multifamily residential apartment communities. It operates across major U.S. metropolitan markets, catering to a diverse tenant base including young professionals, families, and middle-to-high income households.
PRAA vs UDR — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $425.8M |
| Net Profit | $56.5M | $189.8M |
| Gross Margin | — | — |
| Operating Margin | 37.7% | 54.0% |
| Net Margin | 17.0% | 44.6% |
| Revenue YoY | 13.7% | 0.9% |
| Net Profit YoY | 206.3% | 147.2% |
| EPS (diluted) | $1.47 | $0.63 |
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 | — | $425.8M | ||
| Q4 25 | $333.4M | $433.1M | ||
| Q3 25 | $311.1M | $431.9M | ||
| Q2 25 | $287.7M | $425.4M | ||
| Q1 25 | $269.6M | $421.9M | ||
| Q4 24 | $293.2M | $422.7M | ||
| Q3 24 | $281.5M | $420.2M | ||
| Q2 24 | $284.2M | $415.3M |
| Q1 26 | — | $189.8M | ||
| Q4 25 | $56.5M | $222.9M | ||
| Q3 25 | $-407.7M | $40.4M | ||
| Q2 25 | $42.4M | $37.7M | ||
| Q1 25 | $3.7M | $76.7M | ||
| Q4 24 | $18.5M | $-5.0M | ||
| Q3 24 | $27.2M | $22.6M | ||
| Q2 24 | $21.5M | $28.9M |
| Q1 26 | — | 54.0% | ||
| Q4 25 | 37.7% | 64.1% | ||
| Q3 25 | -101.4% | 17.7% | ||
| Q2 25 | 29.6% | 18.2% | ||
| Q1 25 | 27.7% | 29.0% | ||
| Q4 24 | 32.1% | 15.7% | ||
| Q3 24 | 32.0% | 16.6% | ||
| Q2 24 | 31.4% | 16.5% |
| Q1 26 | — | 44.6% | ||
| Q4 25 | 17.0% | 51.5% | ||
| Q3 25 | -131.0% | 9.4% | ||
| Q2 25 | 14.7% | 8.9% | ||
| Q1 25 | 1.4% | 18.2% | ||
| Q4 24 | 6.3% | -220.5% | ||
| Q3 24 | 9.6% | 5.4% | ||
| Q2 24 | 7.6% | 7.0% |
| Q1 26 | — | $0.63 | ||
| Q4 25 | $1.47 | $0.67 | ||
| Q3 25 | $-10.43 | $0.12 | ||
| Q2 25 | $1.08 | $0.11 | ||
| Q1 25 | $0.09 | $0.23 | ||
| Q4 24 | $0.47 | $-0.01 | ||
| Q3 24 | $0.69 | $0.06 | ||
| Q2 24 | $0.54 | $0.08 |
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 | $1.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $3.3B |
| Total Assets | $5.1B | $10.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.3M | ||
| Q4 25 | $104.4M | $1.2M | ||
| Q3 25 | $107.5M | $1.2M | ||
| Q2 25 | $131.6M | $1.5M | ||
| Q1 25 | $128.7M | $1.3M | ||
| Q4 24 | $105.9M | $1.3M | ||
| Q3 24 | $141.1M | $2.3M | ||
| Q2 24 | $118.9M | $2.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $5.8B | ||
| Q3 25 | — | $5.8B | ||
| Q2 25 | — | $5.8B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | — | $5.8B | ||
| Q3 24 | — | $5.9B | ||
| Q2 24 | — | $5.8B |
| Q1 26 | — | $3.3B | ||
| Q4 25 | $979.9M | $3.3B | ||
| Q3 25 | $928.5M | $3.3B | ||
| Q2 25 | $1.3B | $3.3B | ||
| Q1 25 | $1.2B | $3.3B | ||
| Q4 24 | $1.1B | $3.4B | ||
| Q3 24 | $1.2B | $3.5B | ||
| Q2 24 | $1.1B | $3.7B |
| Q1 26 | — | $10.3B | ||
| Q4 25 | $5.1B | $10.6B | ||
| Q3 25 | $5.0B | $10.6B | ||
| Q2 25 | $5.4B | $10.6B | ||
| Q1 25 | $5.1B | $10.7B | ||
| Q4 24 | $4.9B | $10.9B | ||
| Q3 24 | $4.9B | $11.1B | ||
| Q2 24 | $4.7B | $11.1B |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.77× | ||
| Q3 25 | — | 1.78× | ||
| Q2 25 | — | 1.74× | ||
| Q1 25 | — | 1.74× | ||
| Q4 24 | — | 1.69× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 1.55× |
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% | 4.9% |
| 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 | $902.9M | ||
| Q3 25 | $-10.1M | $234.9M | ||
| Q2 25 | $-12.9M | $250.3M | ||
| Q1 25 | $-52.6M | $156.2M | ||
| Q4 24 | $-94.6M | $876.8M | ||
| Q3 24 | $-35.0M | $230.3M | ||
| Q2 24 | $-29.5M | $238.5M |
| Q1 26 | — | — | ||
| Q4 25 | $-90.4M | $650.0M | ||
| Q3 25 | $-11.3M | $164.6M | ||
| Q2 25 | $-14.2M | $190.1M | ||
| Q1 25 | $-53.5M | $103.2M | ||
| Q4 24 | $-98.6M | $627.0M | ||
| Q3 24 | $-36.1M | $161.3M | ||
| Q2 24 | $-30.8M | $171.1M |
| Q1 26 | — | — | ||
| Q4 25 | -27.1% | 150.1% | ||
| Q3 25 | -3.6% | 38.1% | ||
| Q2 25 | -4.9% | 44.7% | ||
| Q1 25 | -19.8% | 24.5% | ||
| Q4 24 | -33.6% | 148.3% | ||
| Q3 24 | -12.8% | 38.4% | ||
| Q2 24 | -10.8% | 41.2% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | 1.4% | 58.4% | ||
| Q3 25 | 0.4% | 16.3% | ||
| Q2 25 | 0.4% | 14.2% | ||
| Q1 25 | 0.3% | 12.6% | ||
| Q4 24 | 1.4% | 59.1% | ||
| Q3 24 | 0.4% | 16.4% | ||
| Q2 24 | 0.5% | 16.2% |
| Q1 26 | — | — | ||
| Q4 25 | -1.51× | 4.05× | ||
| Q3 25 | — | 5.81× | ||
| Q2 25 | -0.30× | 6.64× | ||
| Q1 25 | -14.37× | 2.04× | ||
| Q4 24 | -5.13× | — | ||
| Q3 24 | -1.29× | 10.19× | ||
| Q2 24 | -1.37× | 8.26× |
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% |
UDR
| Rental income | $423.3M | 99% |
| Joint venture management and other fees | $2.5M | 1% |
