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Side-by-side financial comparison of PRA GROUP INC (PRAA) and WYNDHAM HOTELS & RESORTS, INC. (WH). Click either name above to swap in a different company.
WYNDHAM HOTELS & RESORTS, INC. is the larger business by last-quarter revenue ($334.0M vs $333.4M, roughly 1.0× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs -18.0%, a 34.9% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -76.3%). WYNDHAM HOTELS & RESORTS, INC. produced more free cash flow last quarter ($168.0M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -4.6%).
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.
Wyndham Hotels & Resorts, Inc., is an American hospitality company based in Parsippany, New Jersey, United States. It describes itself as the largest hotel franchisor in the world, with 9,100 locations.
PRAA vs WH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $334.0M |
| Net Profit | $56.5M | $-60.0M |
| Gross Margin | — | — |
| Operating Margin | 37.7% | — |
| Net Margin | 17.0% | -18.0% |
| Revenue YoY | 13.7% | -76.3% |
| Net Profit YoY | 206.3% | -170.6% |
| EPS (diluted) | $1.47 | $-0.80 |
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 | — | $334.0M | ||
| Q4 25 | $333.4M | $334.0M | ||
| Q3 25 | $311.1M | $382.0M | ||
| Q2 25 | $287.7M | $397.0M | ||
| Q1 25 | $269.6M | $316.0M | ||
| Q4 24 | $293.2M | $336.0M | ||
| Q3 24 | $281.5M | $396.0M | ||
| Q2 24 | $284.2M | $367.0M |
| Q1 26 | — | $-60.0M | ||
| Q4 25 | $56.5M | $-60.0M | ||
| Q3 25 | $-407.7M | $105.0M | ||
| Q2 25 | $42.4M | $87.0M | ||
| Q1 25 | $3.7M | $61.0M | ||
| Q4 24 | $18.5M | $85.0M | ||
| Q3 24 | $27.2M | $102.0M | ||
| Q2 24 | $21.5M | $86.0M |
| Q1 26 | — | — | ||
| Q4 25 | 37.7% | -11.4% | ||
| Q3 25 | -101.4% | 46.6% | ||
| Q2 25 | 29.6% | 37.8% | ||
| Q1 25 | 27.7% | 35.4% | ||
| Q4 24 | 32.1% | 38.4% | ||
| Q3 24 | 32.0% | 43.2% | ||
| Q2 24 | 31.4% | 39.5% |
| Q1 26 | — | -18.0% | ||
| Q4 25 | 17.0% | -18.0% | ||
| Q3 25 | -131.0% | 27.5% | ||
| Q2 25 | 14.7% | 21.9% | ||
| Q1 25 | 1.4% | 19.3% | ||
| Q4 24 | 6.3% | 25.3% | ||
| Q3 24 | 9.6% | 25.8% | ||
| Q2 24 | 7.6% | 23.4% |
| Q1 26 | — | $-0.80 | ||
| Q4 25 | $1.47 | $-0.77 | ||
| Q3 25 | $-10.43 | $1.36 | ||
| Q2 25 | $1.08 | $1.13 | ||
| Q1 25 | $0.09 | $0.78 | ||
| Q4 24 | $0.47 | $1.06 | ||
| Q3 24 | $0.69 | $1.29 | ||
| Q2 24 | $0.54 | $1.07 |
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 | $64.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $468.0M |
| Total Assets | $5.1B | $4.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $64.0M | ||
| Q4 25 | $104.4M | $64.0M | ||
| Q3 25 | $107.5M | $70.0M | ||
| Q2 25 | $131.6M | $50.0M | ||
| Q1 25 | $128.7M | $48.0M | ||
| Q4 24 | $105.9M | $103.0M | ||
| Q3 24 | $141.1M | $72.0M | ||
| Q2 24 | $118.9M | $70.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $2.5B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.5B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.4B | ||
| Q2 24 | — | $2.4B |
| Q1 26 | — | $468.0M | ||
| Q4 25 | $979.9M | $468.0M | ||
| Q3 25 | $928.5M | $583.0M | ||
| Q2 25 | $1.3B | $570.0M | ||
| Q1 25 | $1.2B | $579.0M | ||
| Q4 24 | $1.1B | $650.0M | ||
| Q3 24 | $1.2B | $583.0M | ||
| Q2 24 | $1.1B | $623.0M |
| Q1 26 | — | $4.2B | ||
| Q4 25 | $5.1B | $4.2B | ||
| Q3 25 | $5.0B | $4.3B | ||
| Q2 25 | $5.4B | $4.3B | ||
| Q1 25 | $5.1B | $4.2B | ||
| Q4 24 | $4.9B | $4.2B | ||
| Q3 24 | $4.9B | $4.2B | ||
| Q2 24 | $4.7B | $4.2B |
| Q1 26 | — | — | ||
| Q4 25 | — | 5.37× | ||
| Q3 25 | — | 4.43× | ||
| Q2 25 | — | 4.44× | ||
| Q1 25 | — | 4.29× | ||
| Q4 24 | — | 3.72× | ||
| Q3 24 | — | 4.19× | ||
| Q2 24 | — | 3.83× |
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 | $367.0M |
| Free Cash FlowOCF − Capex | $-90.4M | $168.0M |
| FCF MarginFCF / Revenue | -27.1% | 50.3% |
| Capex IntensityCapex / Revenue | 1.4% | — |
| Cash ConversionOCF / Net Profit | -1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $437.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $367.0M | ||
| Q4 25 | $-85.5M | $152.0M | ||
| Q3 25 | $-10.1M | $86.0M | ||
| Q2 25 | $-12.9M | $70.0M | ||
| Q1 25 | $-52.6M | $59.0M | ||
| Q4 24 | $-94.6M | $134.0M | ||
| Q3 24 | $-35.0M | $79.0M | ||
| Q2 24 | $-29.5M | $1.0M |
| Q1 26 | — | $168.0M | ||
| Q4 25 | $-90.4M | $136.0M | ||
| Q3 25 | $-11.3M | $75.0M | ||
| Q2 25 | $-14.2M | $58.0M | ||
| Q1 25 | $-53.5M | $52.0M | ||
| Q4 24 | $-98.6M | $109.0M | ||
| Q3 24 | $-36.1M | $71.0M | ||
| Q2 24 | $-30.8M | $-6.0M |
| Q1 26 | — | 50.3% | ||
| Q4 25 | -27.1% | 40.7% | ||
| Q3 25 | -3.6% | 19.6% | ||
| Q2 25 | -4.9% | 14.6% | ||
| Q1 25 | -19.8% | 16.5% | ||
| Q4 24 | -33.6% | 32.4% | ||
| Q3 24 | -12.8% | 17.9% | ||
| Q2 24 | -10.8% | -1.6% |
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 4.8% | ||
| Q3 25 | 0.4% | 2.9% | ||
| Q2 25 | 0.4% | 3.0% | ||
| Q1 25 | 0.3% | 2.2% | ||
| Q4 24 | 1.4% | 7.4% | ||
| Q3 24 | 0.4% | 2.0% | ||
| Q2 24 | 0.5% | 1.9% |
| Q1 26 | — | — | ||
| Q4 25 | -1.51× | — | ||
| Q3 25 | — | 0.82× | ||
| Q2 25 | -0.30× | 0.80× | ||
| Q1 25 | -14.37× | 0.97× | ||
| Q4 24 | -5.13× | 1.58× | ||
| Q3 24 | -1.29× | 0.77× | ||
| Q2 24 | -1.37× | 0.01× |
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% |
WH
| Fee-related and other revenues | $334.0M | 100% |
| Management and other fees | $2.0M | 1% |
