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Side-by-side financial comparison of Axos Financial, Inc. (AX) and Citi Trends Inc (CTRN). Click either name above to swap in a different company.
Axos Financial, Inc. is the larger business by last-quarter revenue ($392.2M vs $197.1M, roughly 2.0× Citi Trends Inc). Axos Financial, Inc. runs the higher net margin — 31.8% vs -3.5%, a 35.3% gap on every dollar of revenue. Over the past eight quarters, Axos Financial, Inc.'s revenue compounded faster (16.1% CAGR vs -4.3%).
Axos Financial is an American bank holding company based in Las Vegas, Nevada and is the parent of Axos Bank, a direct bank. It also offers registered investment adviser services and an electronic trading platform.
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
AX vs CTRN — Head-to-Head
Income Statement — Q3 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $392.2M | $197.1M |
| Net Profit | $124.7M | $-6.9M |
| Gross Margin | — | — |
| Operating Margin | — | -3.7% |
| Net Margin | 31.8% | -3.5% |
| Revenue YoY | — | 10.1% |
| Net Profit YoY | 18.5% | 3.6% |
| EPS (diluted) | $2.15 | $-0.86 |
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.
| Q1 26 | $392.2M | — | ||
| Q4 25 | $385.1M | $197.1M | ||
| Q3 25 | $323.4M | $190.8M | ||
| Q2 25 | $321.4M | $201.7M | ||
| Q1 25 | $308.8M | $211.2M | ||
| Q4 24 | $307.9M | $179.1M | ||
| Q3 24 | $320.7M | $176.6M | ||
| Q2 24 | $290.9M | $186.3M |
| Q1 26 | $124.7M | — | ||
| Q4 25 | $128.4M | $-6.9M | ||
| Q3 25 | $112.4M | $3.8M | ||
| Q2 25 | $110.7M | $871.0K | ||
| Q1 25 | $105.2M | $-14.2M | ||
| Q4 24 | $104.7M | $-7.2M | ||
| Q3 24 | $112.3M | $-18.4M | ||
| Q2 24 | $104.9M | $-3.4M |
| Q1 26 | — | — | ||
| Q4 25 | 45.6% | -3.7% | ||
| Q3 25 | 46.3% | 1.8% | ||
| Q2 25 | 48.5% | 0.2% | ||
| Q1 25 | 47.9% | 0.6% | ||
| Q4 24 | 48.8% | -4.9% | ||
| Q3 24 | 49.6% | -14.1% | ||
| Q2 24 | 49.6% | -3.7% |
| Q1 26 | 31.8% | — | ||
| Q4 25 | 33.3% | -3.5% | ||
| Q3 25 | 34.7% | 2.0% | ||
| Q2 25 | 34.4% | 0.4% | ||
| Q1 25 | 34.1% | -6.7% | ||
| Q4 24 | 34.0% | -4.0% | ||
| Q3 24 | 35.0% | -10.4% | ||
| Q2 24 | 36.0% | -1.8% |
| Q1 26 | $2.15 | — | ||
| Q4 25 | $2.22 | $-0.86 | ||
| Q3 25 | $1.94 | $0.46 | ||
| Q2 25 | $1.89 | $0.11 | ||
| Q1 25 | $1.81 | $-1.70 | ||
| Q4 24 | $1.80 | $-0.86 | ||
| Q3 24 | $1.93 | $-2.21 | ||
| Q2 24 | $1.75 | $-0.42 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $3.1B | $107.8M |
| Total Assets | $29.2B | $464.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.0B | — | ||
| Q3 25 | $2.6B | — | ||
| Q2 25 | $1.9B | — | ||
| Q1 25 | $2.0B | — | ||
| Q4 24 | $2.4B | — | ||
| Q3 24 | $2.6B | — | ||
| Q2 24 | $2.0B | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | $312.7M | — | ||
| Q1 25 | $377.4M | — | ||
| Q4 24 | $358.7M | — | ||
| Q3 24 | $313.5M | — | ||
| Q2 24 | $325.7M | — |
| Q1 26 | $3.1B | — | ||
| Q4 25 | $2.9B | $107.8M | ||
| Q3 25 | $2.8B | $113.2M | ||
| Q2 25 | $2.7B | $108.6M | ||
| Q1 25 | $2.6B | $113.2M | ||
| Q4 24 | $2.5B | $130.3M | ||
| Q3 24 | $2.4B | $136.6M | ||
| Q2 24 | $2.3B | $154.8M |
| Q1 26 | $29.2B | — | ||
| Q4 25 | $28.2B | $464.3M | ||
| Q3 25 | $27.4B | $457.4M | ||
| Q2 25 | $24.8B | $437.4M | ||
| Q1 25 | $24.0B | $462.8M | ||
| Q4 24 | $23.7B | $467.1M | ||
| Q3 24 | $23.6B | $506.7M | ||
| Q2 24 | $22.9B | $484.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 0.13× | — | ||
| Q2 24 | 0.14× | — |
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 | — | $8.6M |
| Free Cash FlowOCF − Capex | — | $767.0K |
| FCF MarginFCF / Revenue | — | 0.4% |
| Capex IntensityCapex / Revenue | — | 4.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $11.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $8.6M | ||
| Q3 25 | $118.4M | $3.9M | ||
| Q2 25 | $490.3M | $-11.0M | ||
| Q1 25 | $73.7M | $28.5M | ||
| Q4 24 | $162.5M | $-18.4M | ||
| Q3 24 | $70.8M | $5.6M | ||
| Q2 24 | $305.5M | $-19.6M |
| Q1 26 | — | — | ||
| Q4 25 | $85.4M | $767.0K | ||
| Q3 25 | $109.3M | $-1.7M | ||
| Q2 25 | $436.1M | $-13.1M | ||
| Q1 25 | $65.1M | $26.0M | ||
| Q4 24 | $156.4M | $-20.4M | ||
| Q3 24 | $53.0M | $1.7M | ||
| Q2 24 | $269.5M | $-21.2M |
| Q1 26 | — | — | ||
| Q4 25 | 22.2% | 0.4% | ||
| Q3 25 | 33.8% | -0.9% | ||
| Q2 25 | 135.7% | -6.5% | ||
| Q1 25 | 21.1% | 12.3% | ||
| Q4 24 | 50.8% | -11.4% | ||
| Q3 24 | 16.5% | 0.9% | ||
| Q2 24 | 92.6% | -11.4% |
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 4.0% | ||
| Q3 25 | 2.8% | 2.9% | ||
| Q2 25 | 16.9% | 1.0% | ||
| Q1 25 | 2.8% | 1.2% | ||
| Q4 24 | 2.0% | 1.1% | ||
| Q3 24 | 5.5% | 2.2% | ||
| Q2 24 | 12.4% | 0.9% |
| Q1 26 | — | — | ||
| Q4 25 | 0.81× | — | ||
| Q3 25 | 1.05× | 1.01× | ||
| Q2 25 | 4.43× | -12.59× | ||
| Q1 25 | 0.70× | — | ||
| Q4 24 | 1.55× | — | ||
| Q3 24 | 0.63× | — | ||
| Q2 24 | 2.91× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AX
| Net Interest Income | $306.3M | 78% |
| Noninterest Income | $86.0M | 22% |
CTRN
Segment breakdown not available.
