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Side-by-side financial comparison of PRA GROUP INC (PRAA) and WATTS WATER TECHNOLOGIES INC (WTS). Click either name above to swap in a different company.
WATTS WATER TECHNOLOGIES INC is the larger business by last-quarter revenue ($625.1M vs $333.4M, roughly 1.9× PRA GROUP INC). PRA GROUP INC runs the higher net margin — 17.0% vs 13.4%, a 3.6% gap on every dollar of revenue. On growth, WATTS WATER TECHNOLOGIES INC posted the faster year-over-year revenue change (15.7% vs 13.7%). WATTS WATER TECHNOLOGIES INC produced more free cash flow last quarter ($140.3M 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.
AERCO International, Inc. is a manufacturer and supplier of commercial condensing boilers, high efficiency water heating equipment and energy recovery systems in the HVAC/plumbing industry across a variety of markets including education, lodging, government, office buildings, healthcare, industrial and multifamily housing. In 1949, AERCO introduced the industry's first semi-instantaneous, tankless steam-to-water water heater. In 1988, AERCO introduced the first condensing and fully modulating...
PRAA vs WTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $625.1M |
| Net Profit | $56.5M | $83.7M |
| Gross Margin | — | 49.5% |
| Operating Margin | 37.7% | 18.2% |
| Net Margin | 17.0% | 13.4% |
| Revenue YoY | 13.7% | 15.7% |
| Net Profit YoY | 206.3% | 24.0% |
| EPS (diluted) | $1.47 | $2.50 |
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 | $625.1M | ||
| Q3 25 | $311.1M | $611.7M | ||
| Q2 25 | $287.7M | $643.7M | ||
| Q1 25 | $269.6M | $558.0M | ||
| Q4 24 | $293.2M | $540.4M | ||
| Q3 24 | $281.5M | $543.6M | ||
| Q2 24 | $284.2M | $597.3M | ||
| Q1 24 | $255.6M | $570.9M |
| Q4 25 | $56.5M | $83.7M | ||
| Q3 25 | $-407.7M | $82.2M | ||
| Q2 25 | $42.4M | $100.9M | ||
| Q1 25 | $3.7M | $74.0M | ||
| Q4 24 | $18.5M | $67.5M | ||
| Q3 24 | $27.2M | $69.1M | ||
| Q2 24 | $21.5M | $82.0M | ||
| Q1 24 | $3.5M | $72.6M |
| Q4 25 | — | 49.5% | ||
| Q3 25 | — | 48.8% | ||
| Q2 25 | — | 50.6% | ||
| Q1 25 | — | 48.8% | ||
| Q4 24 | — | 46.7% | ||
| Q3 24 | — | 47.3% | ||
| Q2 24 | — | 47.7% | ||
| Q1 24 | — | 46.9% |
| Q4 25 | 37.7% | 18.2% | ||
| Q3 25 | -101.4% | 18.2% | ||
| Q2 25 | 29.6% | 21.0% | ||
| Q1 25 | 27.7% | 15.7% | ||
| Q4 24 | 32.1% | 16.5% | ||
| Q3 24 | 32.0% | 17.1% | ||
| Q2 24 | 31.4% | 18.7% | ||
| Q1 24 | 26.0% | 16.9% |
| Q4 25 | 17.0% | 13.4% | ||
| Q3 25 | -131.0% | 13.4% | ||
| Q2 25 | 14.7% | 15.7% | ||
| Q1 25 | 1.4% | 13.3% | ||
| Q4 24 | 6.3% | 12.5% | ||
| Q3 24 | 9.6% | 12.7% | ||
| Q2 24 | 7.6% | 13.7% | ||
| Q1 24 | 1.4% | 12.7% |
| Q4 25 | $1.47 | $2.50 | ||
| Q3 25 | $-10.43 | $2.45 | ||
| Q2 25 | $1.08 | $3.01 | ||
| Q1 25 | $0.09 | $2.21 | ||
| Q4 24 | $0.47 | $2.02 | ||
| Q3 24 | $0.69 | $2.06 | ||
| Q2 24 | $0.54 | $2.44 | ||
| Q1 24 | $0.09 | $2.17 |
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 | $405.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $2.0B |
| Total Assets | $5.1B | $2.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $405.5M | ||
| Q3 25 | $107.5M | $457.7M | ||
| Q2 25 | $131.6M | $369.3M | ||
| Q1 25 | $128.7M | $336.8M | ||
| Q4 24 | $105.9M | $386.9M | ||
| Q3 24 | $141.1M | $303.9M | ||
| Q2 24 | $118.9M | $279.4M | ||
| Q1 24 | $108.1M | $237.1M |
| Q4 25 | $979.9M | $2.0B | ||
| Q3 25 | $928.5M | $2.0B | ||
| Q2 25 | $1.3B | $1.9B | ||
| Q1 25 | $1.2B | $1.8B | ||
| Q4 24 | $1.1B | $1.7B | ||
| Q3 24 | $1.2B | $1.7B | ||
| Q2 24 | $1.1B | $1.6B | ||
| Q1 24 | $1.1B | $1.6B |
| Q4 25 | $5.1B | $2.9B | ||
| Q3 25 | $5.0B | $2.7B | ||
| Q2 25 | $5.4B | $2.6B | ||
| Q1 25 | $5.1B | $2.5B | ||
| Q4 24 | $4.9B | $2.4B | ||
| Q3 24 | $4.9B | $2.4B | ||
| Q2 24 | $4.7B | $2.4B | ||
| Q1 24 | $4.5B | $2.3B |
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 | $154.7M |
| Free Cash FlowOCF − Capex | $-90.4M | $140.3M |
| FCF MarginFCF / Revenue | -27.1% | 22.4% |
| Capex IntensityCapex / Revenue | 1.4% | 2.3% |
| Cash ConversionOCF / Net Profit | -1.51× | 1.85× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $356.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $154.7M | ||
| Q3 25 | $-10.1M | $122.4M | ||
| Q2 25 | $-12.9M | $69.7M | ||
| Q1 25 | $-52.6M | $55.2M | ||
| Q4 24 | $-94.6M | $139.5M | ||
| Q3 24 | $-35.0M | $90.7M | ||
| Q2 24 | $-29.5M | $85.3M | ||
| Q1 24 | $-73.0M | $45.6M |
| Q4 25 | $-90.4M | $140.3M | ||
| Q3 25 | $-11.3M | $110.9M | ||
| Q2 25 | $-14.2M | $59.5M | ||
| Q1 25 | $-53.5M | $45.6M | ||
| Q4 24 | $-98.6M | $127.5M | ||
| Q3 24 | $-36.1M | $84.3M | ||
| Q2 24 | $-30.8M | $78.5M | ||
| Q1 24 | $-73.5M | $35.5M |
| Q4 25 | -27.1% | 22.4% | ||
| Q3 25 | -3.6% | 18.1% | ||
| Q2 25 | -4.9% | 9.2% | ||
| Q1 25 | -19.8% | 8.2% | ||
| Q4 24 | -33.6% | 23.6% | ||
| Q3 24 | -12.8% | 15.5% | ||
| Q2 24 | -10.8% | 13.1% | ||
| Q1 24 | -28.8% | 6.2% |
| Q4 25 | 1.4% | 2.3% | ||
| Q3 25 | 0.4% | 1.9% | ||
| Q2 25 | 0.4% | 1.6% | ||
| Q1 25 | 0.3% | 1.7% | ||
| Q4 24 | 1.4% | 2.2% | ||
| Q3 24 | 0.4% | 1.2% | ||
| Q2 24 | 0.5% | 1.1% | ||
| Q1 24 | 0.2% | 1.8% |
| Q4 25 | -1.51× | 1.85× | ||
| Q3 25 | — | 1.49× | ||
| Q2 25 | -0.30× | 0.69× | ||
| Q1 25 | -14.37× | 0.75× | ||
| Q4 24 | -5.13× | 2.07× | ||
| Q3 24 | -1.29× | 1.31× | ||
| Q2 24 | -1.37× | 1.04× | ||
| Q1 24 | -21.01× | 0.63× |
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% |
WTS
Segment breakdown not available.
