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Encore Capital vs Pra: revenue, profit, margins and growth compared

Encore Capital brought in $1.8B of revenue in fiscal 2025, Pra $1.2B in fiscal 2025. Revenue changed by +34.4% at Encore Capital and +7.8% at Pra on the year before, so Encore Capital grew faster. Encore Capital kept 14.5% of its revenue as net profit, Pra -25.4%. Free cash flow was $126.9M at Encore Capital and -$90.4M at Pra.

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Side by side, latest fiscal year

ECPGPRAA
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$1.8B$1.2B
Revenue growth+34.4%+7.8%
Net income$256.8M-$305.1M
Net margin14.5%-25.4%
Free cash flow$126.9M-$90.4M
Free cash flow margin7.2%-7.5%
Earnings per share (diluted)$10.91-$7.79
Cash$156.8M$104.4M
Debt$4Bn/a
Price to earnings9.0n/a
Market value$2.1B$777.4M
Dividend yieldn/an/a
Rank by revenue in sector#154 of 444 · Finance#178 of 444 · Finance

Over the years

Revenue
ECPG FY2018: $1.3BECPG FY2019: $1.4BECPG FY2020: $1.5BECPG FY2021: $1.6BECPG FY2022: $1.4BECPG FY2023: $1.2BECPG FY2024: $1.3BECPG FY2025: $1.8BPRAA FY2018: $908.3MPRAA FY2019: $1BPRAA FY2020: $1.1BPRAA FY2021: $1.1BPRAA FY2022: $966.5MPRAA FY2023: $802.6MPRAA FY2024: $1.1BPRAA FY2025: $1.2BFY18FY19FY20FY21FY22FY23FY24FY25
ECPG $1.8BPRAA $1.2B
Net income
ECPG FY2018: $115.9MECPG FY2019: $167.9MECPG FY2020: $211.8MECPG FY2021: $350.8MECPG FY2022: $194.6MECPG FY2023: -$206.5MECPG FY2024: -$139.2MECPG FY2025: $256.8MPRAA FY2018: $65.6MPRAA FY2019: $86.2MPRAA FY2020: $149.3MPRAA FY2021: $183.2MPRAA FY2022: $117.1MPRAA FY2023: -$83.5MPRAA FY2024: $70.6MPRAA FY2025: -$305.1MFY18FY19FY20FY21FY22FY23FY24FY25
ECPG $256.8MPRAA -$305.1M
Net margin
ECPG FY2018: 8.8%ECPG FY2019: 11.9%ECPG FY2020: 14.1%ECPG FY2021: 21.7%ECPG FY2022: 13.9%ECPG FY2023: -16.9%ECPG FY2024: -10.6%ECPG FY2025: 14.5%PRAA FY2018: 7.2%PRAA FY2019: 8.5%PRAA FY2020: 14.0%PRAA FY2021: 16.7%PRAA FY2022: 12.1%PRAA FY2023: -10.4%PRAA FY2024: 6.3%PRAA FY2025: -25.4%FY18FY19FY20FY21FY22FY23FY24FY25
ECPG 14.5%PRAA -25.4%
Revenue growth
ECPG FY2019: +6.5%ECPG FY2020: +6.8%ECPG FY2021: +7.5%ECPG FY2022: -13.4%ECPG FY2023: -12.6%ECPG FY2024: +7.7%ECPG FY2025: +34.4%PRAA FY2019: +12.0%PRAA FY2020: +4.8%PRAA FY2021: +2.8%PRAA FY2022: -11.8%PRAA FY2023: -17.0%PRAA FY2024: +38.9%PRAA FY2025: +7.8%FY19FY20FY21FY22FY23FY24FY25
ECPG +34.4%PRAA +7.8%
Free cash flow
ECPG FY2018: $119.3MECPG FY2019: $205.1MECPG FY2020: $278.3MECPG FY2021: $269.7MECPG FY2022: $173.5MECPG FY2023: $128.2MECPG FY2024: $127.2MECPG FY2025: $126.9MPRAA FY2018: $60.3MPRAA FY2019: $115.4MPRAA FY2020: $124.5MPRAA FY2021: $73.7MPRAA FY2022: $8.3MPRAA FY2023: -$100.4MPRAA FY2024: -$98.6MPRAA FY2025: -$90.4MFY18FY19FY20FY21FY22FY23FY24FY25
ECPG $126.9MPRAA -$90.4M

Fiscal years as each company reports them; the two may end in different months.

Questions about Encore Capital and Pra

Which is bigger by revenue, Encore Capital or Pra?

Encore Capital is bigger by revenue: $1.8B in fiscal 2025, against $1.2B for Pra in fiscal 2025.

Which keeps more of its revenue as profit, Encore Capital or Pra?

Encore Capital had a net margin of 14.5% in fiscal 2025; Pra had -25.4% in fiscal 2025.

Which grew revenue faster, Encore Capital or Pra?

In their latest fiscal years revenue changed by +34.4% at Encore Capital and +7.8% at Pra.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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