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PRA Group vs Jefferson Capital: PRAA and JCAP compared
PRA Group is the larger company: $286M of revenue in its latest quarter (Q3 2026) against $178M for Jefferson Capital (Q2 2026). Jefferson Capital is growing faster (+16% against -8% a year earlier). Jefferson Capital is more profitable, with an operating margin of 45.9% against 30.0%.
Where the money goes: PRAA and JCAP
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.
Jefferson Capital (JCAP) · Q2 2026
Jefferson Capital, Q2 2026: revenue $178M (+16% year over year), operating margin 45.9%, net earnings $41.3M, operating cash flow $43.3M. The chart follows the revenue to costs, profit and cash.
| PRA Group (PRAA) | Jefferson Capital (JCAP) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $286M | $178M |
| Revenue growth, Y/Y | -8% | +16% |
| Operating margin | 30.0% | 45.9% |
| Net earnings | $14.9M | $41.3M |
| Net margin | 5.2% | 23.3% |
| Operating cash flow | — | $43.3M |
| Market value | $747M | — |
| Analysts’ mean target | $26.00 | — |
Where the revenue comes from
PRA Group
- Portfolio revenue: $285M (100%)
- Other revenue: $1.2M (0%)
Jefferson Capital
- United States: $129M (72%)
- Canada: $20.5M (12%)
- United Kingdom: $16.6M (9%)
- Latin America: $11.8M (7%)
Questions
Which is bigger, PRA Group or Jefferson Capital?
PRA Group is the larger company: $286M of revenue in its latest quarter (Q3 2026) against $178M for Jefferson Capital (Q2 2026).
Is PRA Group or Jefferson Capital growing faster?
Jefferson Capital is growing faster (+16% against -8% a year earlier).
Which is more profitable, PRA Group or Jefferson Capital?
Jefferson Capital is more profitable, with an operating margin of 45.9% against 30.0%.
More: PRA Group earnings · how PRA Group makes money · Jefferson Capital earnings · how Jefferson Capital makes money
From the companies' latest 10-Q, 10-K or earnings release (8-K filed Nov 5, 2026; 10-Q filed Aug 13, 2026). Fiscal quarters can end on different dates. Not investment advice.