vs
Side-by-side financial comparison of PRA GROUP INC (PRAA) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
Westrock Coffee Co is the larger business by last-quarter revenue ($339.5M vs $333.4M, roughly 1.0× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs -6.6%, a 23.6% gap on every dollar of revenue. On growth, Westrock Coffee Co posted the faster year-over-year revenue change (48.3% vs 13.7%). Westrock Coffee Co produced more free cash flow last quarter ($27.8M vs $-90.4M). Over the past eight quarters, Westrock Coffee Co's revenue compounded faster (32.8% 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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
PRAA vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $339.5M |
| Net Profit | $56.5M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 37.7% | -2.6% |
| Net Margin | 17.0% | -6.6% |
| Revenue YoY | 13.7% | 48.3% |
| Net Profit YoY | 206.3% | 8.3% |
| EPS (diluted) | $1.47 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $311.1M | $354.8M | ||
| Q2 25 | $287.7M | $280.9M | ||
| Q1 25 | $269.6M | $213.8M | ||
| Q4 24 | $293.2M | $229.0M | ||
| Q3 24 | $281.5M | $220.9M | ||
| Q2 24 | $284.2M | $208.4M | ||
| Q1 24 | $255.6M | $192.5M |
| Q4 25 | $56.5M | $-22.6M | ||
| Q3 25 | $-407.7M | $-19.1M | ||
| Q2 25 | $42.4M | $-21.6M | ||
| Q1 25 | $3.7M | $-27.2M | ||
| Q4 24 | $18.5M | $-24.6M | ||
| Q3 24 | $27.2M | $-14.3M | ||
| Q2 24 | $21.5M | $-17.8M | ||
| Q1 24 | $3.5M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 37.7% | -2.6% | ||
| Q3 25 | -101.4% | -2.4% | ||
| Q2 25 | 29.6% | -5.3% | ||
| Q1 25 | 27.7% | -6.1% | ||
| Q4 24 | 32.1% | -4.3% | ||
| Q3 24 | 32.0% | -5.8% | ||
| Q2 24 | 31.4% | -7.9% | ||
| Q1 24 | 26.0% | -5.3% |
| Q4 25 | 17.0% | -6.6% | ||
| Q3 25 | -131.0% | -5.4% | ||
| Q2 25 | 14.7% | -7.7% | ||
| Q1 25 | 1.4% | -12.7% | ||
| Q4 24 | 6.3% | -10.7% | ||
| Q3 24 | 9.6% | -6.5% | ||
| Q2 24 | 7.6% | -8.5% | ||
| Q1 24 | 1.4% | -12.3% |
| Q4 25 | $1.47 | $-0.22 | ||
| Q3 25 | $-10.43 | $-0.20 | ||
| Q2 25 | $1.08 | $-0.23 | ||
| Q1 25 | $0.09 | $-0.29 | ||
| Q4 24 | $0.47 | $-0.26 | ||
| Q3 24 | $0.69 | $-0.16 | ||
| Q2 24 | $0.54 | $-0.20 | ||
| Q1 24 | $0.09 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | — | $444.1M |
| Stockholders' EquityBook value | $979.9M | $-1.9M |
| Total Assets | $5.1B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $49.9M | ||
| Q3 25 | $107.5M | $34.0M | ||
| Q2 25 | $131.6M | $44.0M | ||
| Q1 25 | $128.7M | $33.1M | ||
| Q4 24 | $105.9M | $26.2M | ||
| Q3 24 | $141.1M | $22.4M | ||
| Q2 24 | $118.9M | $24.3M | ||
| Q1 24 | $108.1M | $12.6M |
| Q4 25 | — | $444.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $393.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $979.9M | $-1.9M | ||
| Q3 25 | $928.5M | $11.4M | ||
| Q2 25 | $1.3B | $18.2M | ||
| Q1 25 | $1.2B | $71.4M | ||
| Q4 24 | $1.1B | $97.5M | ||
| Q3 24 | $1.2B | $110.3M | ||
| Q2 24 | $1.1B | $81.5M | ||
| Q1 24 | $1.1B | $91.7M |
| Q4 25 | $5.1B | $1.2B | ||
| Q3 25 | $5.0B | $1.2B | ||
| Q2 25 | $5.4B | $1.2B | ||
| Q1 25 | $5.1B | $1.1B | ||
| Q4 24 | $4.9B | $1.1B | ||
| Q3 24 | $4.9B | $1.1B | ||
| Q2 24 | $4.7B | $1.1B | ||
| Q1 24 | $4.5B | $983.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.03× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $36.7M |
| Free Cash FlowOCF − Capex | $-90.4M | $27.8M |
| FCF MarginFCF / Revenue | -27.1% | 8.2% |
| Capex IntensityCapex / Revenue | 1.4% | 2.6% |
| Cash ConversionOCF / Net Profit | -1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $36.7M | ||
| Q3 25 | $-10.1M | $-26.6M | ||
| Q2 25 | $-12.9M | $-7.0M | ||
| Q1 25 | $-52.6M | $-22.1M | ||
| Q4 24 | $-94.6M | $2.8M | ||
| Q3 24 | $-35.0M | $-332.0K | ||
| Q2 24 | $-29.5M | $-23.7M | ||
| Q1 24 | $-73.0M | $8.0M |
| Q4 25 | $-90.4M | $27.8M | ||
| Q3 25 | $-11.3M | $-44.7M | ||
| Q2 25 | $-14.2M | $-27.5M | ||
| Q1 25 | $-53.5M | $-63.4M | ||
| Q4 24 | $-98.6M | $-15.4M | ||
| Q3 24 | $-36.1M | $-36.7M | ||
| Q2 24 | $-30.8M | $-59.9M | ||
| Q1 24 | $-73.5M | $-60.9M |
| Q4 25 | -27.1% | 8.2% | ||
| Q3 25 | -3.6% | -12.6% | ||
| Q2 25 | -4.9% | -9.8% | ||
| Q1 25 | -19.8% | -29.7% | ||
| Q4 24 | -33.6% | -6.7% | ||
| Q3 24 | -12.8% | -16.6% | ||
| Q2 24 | -10.8% | -28.7% | ||
| Q1 24 | -28.8% | -31.7% |
| Q4 25 | 1.4% | 2.6% | ||
| Q3 25 | 0.4% | 5.1% | ||
| Q2 25 | 0.4% | 7.3% | ||
| Q1 25 | 0.3% | 19.3% | ||
| Q4 24 | 1.4% | 7.9% | ||
| Q3 24 | 0.4% | 16.5% | ||
| Q2 24 | 0.5% | 17.4% | ||
| Q1 24 | 0.2% | 35.8% |
| Q4 25 | -1.51× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.30× | — | ||
| Q1 25 | -14.37× | — | ||
| Q4 24 | -5.13× | — | ||
| Q3 24 | -1.29× | — | ||
| Q2 24 | -1.37× | — | ||
| Q1 24 | -21.01× | — |
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% |
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
