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Encore Capital Group vs PRA Group: ECPG and PRAA compared
Encore Capital Group is the larger company: $545M of revenue in its latest quarter (Q3 2026) against $286M for PRA Group (Q3 2026). Encore Capital Group is growing faster (+18% against -8% a year earlier). Encore Capital Group is more profitable, with an operating margin of 42.3% against 30.0%.
Where the money goes: ECPG and PRAA
Encore Capital Group (ECPG) · Q3 2026
Encore Capital Group, Q3 2026: revenue $545M (+18% year over year), operating margin 42.3%, net earnings $124M, operating cash flow $107M. The chart follows the revenue to costs, profit and cash.
PRA Group (PRAA) · Q3 2026
PRA Group, Q3 2026: revenue $286M (-8% year over year), operating margin 30.0%, net earnings $14.9M. The chart follows the revenue to costs, profit and cash.
| Encore Capital Group (ECPG) | PRA Group (PRAA) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $545M | $286M |
| Revenue growth, Y/Y | +18% | -8% |
| Operating margin | 42.3% | 30.0% |
| Net earnings | $124M | $14.9M |
| Net margin | 22.8% | 5.2% |
| Operating cash flow | $107M | — |
| Free cash flow | $102M | — |
| Market value | $2.5B | $747M |
| P/E | 7.3× | — |
| Analysts’ mean target | $117.00 | $26.00 |
Where the revenue comes from
PRA Group
- Portfolio revenue: $285M (100%)
- Other revenue: $1.2M (0%)
Questions
Which is bigger, Encore Capital Group or PRA Group?
Encore Capital Group is the larger company: $545M of revenue in its latest quarter (Q3 2026) against $286M for PRA Group (Q3 2026).
Is Encore Capital Group or PRA Group growing faster?
Encore Capital Group is growing faster (+18% against -8% a year earlier).
Which is more profitable, Encore Capital Group or PRA Group?
Encore Capital Group is more profitable, with an operating margin of 42.3% against 30.0%.
More: Encore Capital Group earnings · how Encore Capital Group makes money · PRA Group earnings · how PRA Group makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 8-K filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.