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Side-by-side financial comparison of PRA GROUP INC (PRAA) and XPLR Infrastructure, LP (XIFR). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $249.0M, roughly 1.3× XPLR Infrastructure, LP). PRA GROUP INC runs the higher net margin — 17.0% vs 11.2%, a 5.7% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -15.3%). XPLR Infrastructure, LP produced more free cash flow last quarter ($-88.0M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs -1.6%).
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.
XPLR Infrastructure is a publicly traded subsidiary of NextEra Energy, is a Juno Beach, Florida-based renewable energy company.
PRAA vs XIFR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $249.0M |
| Net Profit | $56.5M | $28.0M |
| Gross Margin | — | — |
| Operating Margin | 37.7% | -19.3% |
| Net Margin | 17.0% | 11.2% |
| Revenue YoY | 13.7% | -15.3% |
| Net Profit YoY | 206.3% | 124.3% |
| EPS (diluted) | $1.47 | — |
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 | $249.0M | ||
| Q3 25 | $311.1M | $315.0M | ||
| Q2 25 | $287.7M | $342.0M | ||
| Q1 25 | $269.6M | $282.0M | ||
| Q4 24 | $293.2M | $294.0M | ||
| Q3 24 | $281.5M | $319.0M | ||
| Q2 24 | $284.2M | $360.0M | ||
| Q1 24 | $255.6M | $257.0M |
| Q4 25 | $56.5M | $28.0M | ||
| Q3 25 | $-407.7M | $-37.0M | ||
| Q2 25 | $42.4M | $79.0M | ||
| Q1 25 | $3.7M | $-98.0M | ||
| Q4 24 | $18.5M | $-115.0M | ||
| Q3 24 | $27.2M | $-40.0M | ||
| Q2 24 | $21.5M | $62.0M | ||
| Q1 24 | $3.5M | $70.0M |
| Q4 25 | 37.7% | -19.3% | ||
| Q3 25 | -101.4% | 1.6% | ||
| Q2 25 | 29.6% | 26.3% | ||
| Q1 25 | 27.7% | -82.6% | ||
| Q4 24 | 32.1% | -188.1% | ||
| Q3 24 | 32.0% | 15.4% | ||
| Q2 24 | 31.4% | 18.3% | ||
| Q1 24 | 26.0% | -8.2% |
| Q4 25 | 17.0% | 11.2% | ||
| Q3 25 | -131.0% | -11.7% | ||
| Q2 25 | 14.7% | 23.1% | ||
| Q1 25 | 1.4% | -34.8% | ||
| Q4 24 | 6.3% | -39.1% | ||
| Q3 24 | 9.6% | -12.5% | ||
| Q2 24 | 7.6% | 17.2% | ||
| Q1 24 | 1.4% | 27.2% |
| Q4 25 | $1.47 | — | ||
| Q3 25 | $-10.43 | $-0.40 | ||
| Q2 25 | $1.08 | $0.84 | ||
| Q1 25 | $0.09 | $-1.05 | ||
| Q4 24 | $0.47 | — | ||
| Q3 24 | $0.69 | $-0.43 | ||
| Q2 24 | $0.54 | $0.66 | ||
| Q1 24 | $0.09 | $0.75 |
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 | $960.0M |
| Total DebtLower is stronger | — | $6.2B |
| Stockholders' EquityBook value | $979.9M | $10.9B |
| Total Assets | $5.1B | $19.6B |
| Debt / EquityLower = less leverage | — | 0.57× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $960.0M | ||
| Q3 25 | $107.5M | $711.0M | ||
| Q2 25 | $131.6M | $880.0M | ||
| Q1 25 | $128.7M | $1.5B | ||
| Q4 24 | $105.9M | $283.0M | ||
| Q3 24 | $141.1M | $290.0M | ||
| Q2 24 | $118.9M | $281.0M | ||
| Q1 24 | $108.1M | $245.0M |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $979.9M | $10.9B | ||
| Q3 25 | $928.5M | $11.0B | ||
| Q2 25 | $1.3B | $11.3B | ||
| Q1 25 | $1.2B | $12.6B | ||
| Q4 24 | $1.1B | $12.9B | ||
| Q3 24 | $1.2B | $13.6B | ||
| Q2 24 | $1.1B | $13.9B | ||
| Q1 24 | $1.1B | $14.0B |
| Q4 25 | $5.1B | $19.6B | ||
| Q3 25 | $5.0B | $19.1B | ||
| Q2 25 | $5.4B | $20.5B | ||
| Q1 25 | $5.1B | $21.4B | ||
| Q4 24 | $4.9B | $20.3B | ||
| Q3 24 | $4.9B | $20.9B | ||
| Q2 24 | $4.7B | $21.7B | ||
| Q1 24 | $4.5B | $22.3B |
| Q4 25 | — | 0.57× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.41× | ||
| 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 | $186.0M |
| Free Cash FlowOCF − Capex | $-90.4M | $-88.0M |
| FCF MarginFCF / Revenue | -27.1% | -35.3% |
| Capex IntensityCapex / Revenue | 1.4% | 110.0% |
| Cash ConversionOCF / Net Profit | -1.51× | 6.64× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $-219.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $186.0M | ||
| Q3 25 | $-10.1M | $231.0M | ||
| Q2 25 | $-12.9M | $232.0M | ||
| Q1 25 | $-52.6M | $90.0M | ||
| Q4 24 | $-94.6M | $283.0M | ||
| Q3 24 | $-35.0M | $208.0M | ||
| Q2 24 | $-29.5M | $231.0M | ||
| Q1 24 | $-73.0M | $78.0M |
| Q4 25 | $-90.4M | $-88.0M | ||
| Q3 25 | $-11.3M | $-283.0M | ||
| Q2 25 | $-14.2M | $151.0M | ||
| Q1 25 | $-53.5M | $1.0M | ||
| Q4 24 | $-98.6M | $231.0M | ||
| Q3 24 | $-36.1M | $152.0M | ||
| Q2 24 | $-30.8M | $162.0M | ||
| Q1 24 | $-73.5M | $14.0M |
| Q4 25 | -27.1% | -35.3% | ||
| Q3 25 | -3.6% | -89.8% | ||
| Q2 25 | -4.9% | 44.2% | ||
| Q1 25 | -19.8% | 0.4% | ||
| Q4 24 | -33.6% | 78.6% | ||
| Q3 24 | -12.8% | 47.6% | ||
| Q2 24 | -10.8% | 45.0% | ||
| Q1 24 | -28.8% | 5.4% |
| Q4 25 | 1.4% | 110.0% | ||
| Q3 25 | 0.4% | 163.2% | ||
| Q2 25 | 0.4% | 23.7% | ||
| Q1 25 | 0.3% | 31.6% | ||
| Q4 24 | 1.4% | 17.7% | ||
| Q3 24 | 0.4% | 17.6% | ||
| Q2 24 | 0.5% | 19.2% | ||
| Q1 24 | 0.2% | 24.9% |
| Q4 25 | -1.51× | 6.64× | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.30× | 2.94× | ||
| Q1 25 | -14.37× | — | ||
| Q4 24 | -5.13× | — | ||
| Q3 24 | -1.29× | — | ||
| Q2 24 | -1.37× | 3.73× | ||
| Q1 24 | -21.01× | 1.11× |
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% |
XIFR
| Renewable Energy Sales | $238.0M | 96% |
| Related Party | $8.0M | 3% |
