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Side-by-side financial comparison of PRA GROUP INC (PRAA) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $220.8M, roughly 1.5× UNIVERSAL TECHNICAL INSTITUTE INC). PRA GROUP INC runs the higher net margin — 17.0% vs 5.8%, a 11.1% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs 9.6%). UNIVERSAL TECHNICAL INSTITUTE INC produced more free cash flow last quarter ($-19.2M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 9.5%).
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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
PRAA vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $220.8M |
| Net Profit | $56.5M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | 37.7% | 7.1% |
| Net Margin | 17.0% | 5.8% |
| Revenue YoY | 13.7% | 9.6% |
| Net Profit YoY | 206.3% | -42.1% |
| EPS (diluted) | $1.47 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $311.1M | $222.4M | ||
| Q2 25 | $287.7M | $204.3M | ||
| Q1 25 | $269.6M | $207.4M | ||
| Q4 24 | $293.2M | $201.4M | ||
| Q3 24 | $281.5M | $196.4M | ||
| Q2 24 | $284.2M | $177.5M | ||
| Q1 24 | $255.6M | $184.2M |
| Q4 25 | $56.5M | $12.8M | ||
| Q3 25 | $-407.7M | $18.8M | ||
| Q2 25 | $42.4M | $10.7M | ||
| Q1 25 | $3.7M | $11.4M | ||
| Q4 24 | $18.5M | $22.2M | ||
| Q3 24 | $27.2M | $18.8M | ||
| Q2 24 | $21.5M | $5.0M | ||
| Q1 24 | $3.5M | $7.8M |
| Q4 25 | 37.7% | 7.1% | ||
| Q3 25 | -101.4% | 11.2% | ||
| Q2 25 | 29.6% | 6.9% | ||
| Q1 25 | 27.7% | 8.1% | ||
| Q4 24 | 32.1% | 13.6% | ||
| Q3 24 | 32.0% | 13.3% | ||
| Q2 24 | 31.4% | 4.2% | ||
| Q1 24 | 26.0% | 6.1% |
| Q4 25 | 17.0% | 5.8% | ||
| Q3 25 | -131.0% | 8.4% | ||
| Q2 25 | 14.7% | 5.2% | ||
| Q1 25 | 1.4% | 5.5% | ||
| Q4 24 | 6.3% | 11.0% | ||
| Q3 24 | 9.6% | 9.6% | ||
| Q2 24 | 7.6% | 2.8% | ||
| Q1 24 | 1.4% | 4.2% |
| Q4 25 | $1.47 | $0.23 | ||
| Q3 25 | $-10.43 | $0.33 | ||
| Q2 25 | $1.08 | $0.19 | ||
| Q1 25 | $0.09 | $0.21 | ||
| Q4 24 | $0.47 | $0.40 | ||
| Q3 24 | $0.69 | $0.35 | ||
| Q2 24 | $0.54 | $0.09 | ||
| Q1 24 | $0.09 | $0.14 |
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 | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $979.9M | $335.9M |
| Total Assets | $5.1B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $162.8M | ||
| Q3 25 | $107.5M | $169.1M | ||
| Q2 25 | $131.6M | $70.7M | ||
| Q1 25 | $128.7M | $96.0M | ||
| Q4 24 | $105.9M | $172.0M | ||
| Q3 24 | $141.1M | $161.9M | ||
| Q2 24 | $118.9M | $115.5M | ||
| Q1 24 | $108.1M | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $979.9M | $335.9M | ||
| Q3 25 | $928.5M | $328.1M | ||
| Q2 25 | $1.3B | $306.8M | ||
| Q1 25 | $1.2B | $293.9M | ||
| Q4 24 | $1.1B | $280.0M | ||
| Q3 24 | $1.2B | $260.2M | ||
| Q2 24 | $1.1B | $239.4M | ||
| Q1 24 | $1.1B | $232.6M |
| Q4 25 | $5.1B | $834.0M | ||
| Q3 25 | $5.0B | $826.1M | ||
| Q2 25 | $5.4B | $740.8M | ||
| Q1 25 | $5.1B | $720.4M | ||
| Q4 24 | $4.9B | $753.8M | ||
| Q3 24 | $4.9B | $744.6M | ||
| Q2 24 | $4.7B | $706.0M | ||
| Q1 24 | $4.5B | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
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 | $3.1M |
| Free Cash FlowOCF − Capex | $-90.4M | $-19.2M |
| FCF MarginFCF / Revenue | -27.1% | -8.7% |
| Capex IntensityCapex / Revenue | 1.4% | 10.1% |
| Cash ConversionOCF / Net Profit | -1.51× | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $3.1M | ||
| Q3 25 | $-10.1M | $57.1M | ||
| Q2 25 | $-12.9M | $18.1M | ||
| Q1 25 | $-52.6M | $-789.0K | ||
| Q4 24 | $-94.6M | $23.0M | ||
| Q3 24 | $-35.0M | $67.5M | ||
| Q2 24 | $-29.5M | $10.0M | ||
| Q1 24 | $-73.0M | $-2.5M |
| Q4 25 | $-90.4M | $-19.2M | ||
| Q3 25 | $-11.3M | $40.6M | ||
| Q2 25 | $-14.2M | $6.8M | ||
| Q1 25 | $-53.5M | $-11.7M | ||
| Q4 24 | $-98.6M | $19.6M | ||
| Q3 24 | $-36.1M | $60.0M | ||
| Q2 24 | $-30.8M | $3.0M | ||
| Q1 24 | $-73.5M | $-8.4M |
| Q4 25 | -27.1% | -8.7% | ||
| Q3 25 | -3.6% | 18.3% | ||
| Q2 25 | -4.9% | 3.4% | ||
| Q1 25 | -19.8% | -5.7% | ||
| Q4 24 | -33.6% | 9.7% | ||
| Q3 24 | -12.8% | 30.6% | ||
| Q2 24 | -10.8% | 1.7% | ||
| Q1 24 | -28.8% | -4.6% |
| Q4 25 | 1.4% | 10.1% | ||
| Q3 25 | 0.4% | 7.4% | ||
| Q2 25 | 0.4% | 5.5% | ||
| Q1 25 | 0.3% | 5.3% | ||
| Q4 24 | 1.4% | 1.7% | ||
| Q3 24 | 0.4% | 3.8% | ||
| Q2 24 | 0.5% | 4.0% | ||
| Q1 24 | 0.2% | 3.2% |
| Q4 25 | -1.51× | 0.24× | ||
| Q3 25 | — | 3.04× | ||
| Q2 25 | -0.30× | 1.69× | ||
| Q1 25 | -14.37× | -0.07× | ||
| Q4 24 | -5.13× | 1.04× | ||
| Q3 24 | -1.29× | 3.58× | ||
| Q2 24 | -1.37× | 2.01× | ||
| Q1 24 | -21.01× | -0.32× |
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% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
