vs
Side-by-side financial comparison of PRA GROUP INC (PRAA) and Xometry, Inc. (XMTR). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $192.4M, roughly 1.7× Xometry, Inc.). PRA GROUP INC runs the higher net margin — 17.0% vs -4.5%, a 21.4% gap on every dollar of revenue. On growth, Xometry, Inc. posted the faster year-over-year revenue change (29.5% vs 13.7%). Xometry, Inc. produced more free cash flow last quarter ($-5.9M vs $-90.4M). Over the past eight quarters, Xometry, Inc.'s revenue compounded faster (25.2% 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.
Xometry is an online marketplace for sourcing on-demand manufactured parts for prototyping and large-scale production.
PRAA vs XMTR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $192.4M |
| Net Profit | $56.5M | $-8.6M |
| Gross Margin | — | 39.1% |
| Operating Margin | 37.7% | -4.6% |
| Net Margin | 17.0% | -4.5% |
| Revenue YoY | 13.7% | 29.5% |
| Net Profit YoY | 206.3% | 12.7% |
| 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 | $192.4M | ||
| Q3 25 | $311.1M | $180.7M | ||
| Q2 25 | $287.7M | $162.5M | ||
| Q1 25 | $269.6M | $151.0M | ||
| Q4 24 | $293.2M | $148.5M | ||
| Q3 24 | $281.5M | $141.7M | ||
| Q2 24 | $284.2M | $132.6M | ||
| Q1 24 | $255.6M | $122.7M |
| Q4 25 | $56.5M | $-8.6M | ||
| Q3 25 | $-407.7M | $-11.6M | ||
| Q2 25 | $42.4M | $-26.4M | ||
| Q1 25 | $3.7M | $-15.1M | ||
| Q4 24 | $18.5M | $-9.9M | ||
| Q3 24 | $27.2M | $-10.2M | ||
| Q2 24 | $21.5M | $-13.7M | ||
| Q1 24 | $3.5M | $-16.6M |
| Q4 25 | — | 39.1% | ||
| Q3 25 | — | 39.9% | ||
| Q2 25 | — | 40.1% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 39.7% | ||
| Q3 24 | — | 39.4% | ||
| Q2 24 | — | 39.9% | ||
| Q1 24 | — | 39.0% |
| Q4 25 | 37.7% | -4.6% | ||
| Q3 25 | -101.4% | -6.1% | ||
| Q2 25 | 29.6% | -6.3% | ||
| Q1 25 | 27.7% | -10.2% | ||
| Q4 24 | 32.1% | -7.8% | ||
| Q3 24 | 32.0% | -8.1% | ||
| Q2 24 | 31.4% | -11.5% | ||
| Q1 24 | 26.0% | -14.6% |
| Q4 25 | 17.0% | -4.5% | ||
| Q3 25 | -131.0% | -6.4% | ||
| Q2 25 | 14.7% | -16.3% | ||
| Q1 25 | 1.4% | -10.0% | ||
| Q4 24 | 6.3% | -6.7% | ||
| Q3 24 | 9.6% | -7.2% | ||
| Q2 24 | 7.6% | -10.3% | ||
| Q1 24 | 1.4% | -13.5% |
| Q4 25 | $1.47 | — | ||
| Q3 25 | $-10.43 | — | ||
| Q2 25 | $1.08 | — | ||
| Q1 25 | $0.09 | — | ||
| Q4 24 | $0.47 | — | ||
| Q3 24 | $0.69 | — | ||
| Q2 24 | $0.54 | — | ||
| Q1 24 | $0.09 | — |
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 | $219.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $275.6M |
| Total Assets | $5.1B | $703.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $219.1M | ||
| Q3 25 | $107.5M | $224.5M | ||
| Q2 25 | $131.6M | $225.8M | ||
| Q1 25 | $128.7M | $231.4M | ||
| Q4 24 | $105.9M | $239.8M | ||
| Q3 24 | $141.1M | $234.0M | ||
| Q2 24 | $118.9M | $240.9M | ||
| Q1 24 | $108.1M | $253.8M |
| Q4 25 | $979.9M | $275.6M | ||
| Q3 25 | $928.5M | $272.0M | ||
| Q2 25 | $1.3B | $270.4M | ||
| Q1 25 | $1.2B | $309.9M | ||
| Q4 24 | $1.1B | $314.5M | ||
| Q3 24 | $1.2B | $315.2M | ||
| Q2 24 | $1.1B | $315.8M | ||
| Q1 24 | $1.1B | $320.4M |
| Q4 25 | $5.1B | $703.7M | ||
| Q3 25 | $5.0B | $698.9M | ||
| Q2 25 | $5.4B | $687.0M | ||
| Q1 25 | $5.1B | $690.1M | ||
| Q4 24 | $4.9B | $680.1M | ||
| Q3 24 | $4.9B | $678.2M | ||
| Q2 24 | $4.7B | $678.6M | ||
| Q1 24 | $4.5B | $692.5M |
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 | $4.4M |
| Free Cash FlowOCF − Capex | $-90.4M | $-5.9M |
| FCF MarginFCF / Revenue | -27.1% | -3.0% |
| Capex IntensityCapex / Revenue | 1.4% | 5.3% |
| Cash ConversionOCF / Net Profit | -1.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $-24.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $4.4M | ||
| Q3 25 | $-10.1M | $5.8M | ||
| Q2 25 | $-12.9M | $-427.0K | ||
| Q1 25 | $-52.6M | $-3.7M | ||
| Q4 24 | $-94.6M | $9.1M | ||
| Q3 24 | $-35.0M | $-3.6M | ||
| Q2 24 | $-29.5M | $-9.1M | ||
| Q1 24 | $-73.0M | $-11.7M |
| Q4 25 | $-90.4M | $-5.9M | ||
| Q3 25 | $-11.3M | $-1.7M | ||
| Q2 25 | $-14.2M | $-7.4M | ||
| Q1 25 | $-53.5M | $-9.2M | ||
| Q4 24 | $-98.6M | $4.5M | ||
| Q3 24 | $-36.1M | $-8.4M | ||
| Q2 24 | $-30.8M | $-13.5M | ||
| Q1 24 | $-73.5M | $-16.1M |
| Q4 25 | -27.1% | -3.0% | ||
| Q3 25 | -3.6% | -0.9% | ||
| Q2 25 | -4.9% | -4.5% | ||
| Q1 25 | -19.8% | -6.1% | ||
| Q4 24 | -33.6% | 3.1% | ||
| Q3 24 | -12.8% | -6.0% | ||
| Q2 24 | -10.8% | -10.2% | ||
| Q1 24 | -28.8% | -13.1% |
| Q4 25 | 1.4% | 5.3% | ||
| Q3 25 | 0.4% | 4.1% | ||
| Q2 25 | 0.4% | 4.3% | ||
| Q1 25 | 0.3% | 3.6% | ||
| Q4 24 | 1.4% | 3.1% | ||
| Q3 24 | 0.4% | 3.4% | ||
| Q2 24 | 0.5% | 3.3% | ||
| Q1 24 | 0.2% | 3.5% |
| 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% |
XMTR
| US | $159.1M | 83% |
| Non Us | $33.3M | 17% |
