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Side-by-side financial comparison of CALERES INC (CAL) and Primerica, Inc. (PRI). Click either name above to swap in a different company.
Primerica, Inc. is the larger business by last-quarter revenue ($853.7M vs $790.1M, roughly 1.1× CALERES INC). Primerica, Inc. runs the higher net margin — 23.1% vs 0.3%, a 22.8% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs 6.6%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs 6.5%).
Caleres Inc. is an American footwear company that owns and operates a variety of footwear brands. Its headquarters is located in Clayton, Missouri, a suburb of St. Louis. The company was founded in 1878 as Bryan, Brown & Company in St. Louis, though it underwent several name changes. The Hamilton-Brown Shoe Company was the largest manufacturer of shoes in America in the early 20th century, but it went bankrupt in June 1939.
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.
CAL vs PRI — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $790.1M | $853.7M |
| Net Profit | $2.4M | $197.0M |
| Gross Margin | 41.8% | — |
| Operating Margin | 1.5% | 28.9% |
| Net Margin | 0.3% | 23.1% |
| Revenue YoY | 6.6% | 11.0% |
| Net Profit YoY | -94.2% | 17.9% |
| EPS (diluted) | $0.07 | $6.11 |
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 | $790.1M | $853.7M | ||
| Q3 25 | $658.5M | $839.9M | ||
| Q2 25 | $614.2M | $793.3M | ||
| Q1 25 | $639.2M | $804.8M | ||
| Q4 24 | $740.9M | $768.8M | ||
| Q3 24 | $683.3M | $774.1M | ||
| Q2 24 | $659.2M | $803.4M | ||
| Q1 24 | $697.1M | $742.8M |
| Q4 25 | $2.4M | $197.0M | ||
| Q3 25 | $6.7M | $206.8M | ||
| Q2 25 | $6.9M | $178.3M | ||
| Q1 25 | $4.9M | $169.1M | ||
| Q4 24 | $41.4M | $167.1M | ||
| Q3 24 | $30.0M | $164.4M | ||
| Q2 24 | $30.9M | $1.2M | ||
| Q1 24 | $55.7M | $137.9M |
| Q4 25 | 41.8% | — | ||
| Q3 25 | 43.4% | — | ||
| Q2 25 | 45.4% | — | ||
| Q1 25 | 43.0% | — | ||
| Q4 24 | 44.1% | — | ||
| Q3 24 | 45.5% | — | ||
| Q2 24 | 46.9% | 98.0% | ||
| Q1 24 | 43.9% | 98.2% |
| Q4 25 | 1.5% | 28.9% | ||
| Q3 25 | 1.4% | 32.3% | ||
| Q2 25 | 1.9% | 29.6% | ||
| Q1 25 | 1.2% | 27.5% | ||
| Q4 24 | 7.7% | 64.7% | ||
| Q3 24 | 6.2% | 32.9% | ||
| Q2 24 | 6.5% | 1.0% | ||
| Q1 24 | 4.4% | 24.1% |
| Q4 25 | 0.3% | 23.1% | ||
| Q3 25 | 1.0% | 24.6% | ||
| Q2 25 | 1.1% | 22.5% | ||
| Q1 25 | 0.8% | 21.0% | ||
| Q4 24 | 5.6% | 21.7% | ||
| Q3 24 | 4.4% | 21.2% | ||
| Q2 24 | 4.7% | 0.1% | ||
| Q1 24 | 8.0% | 18.6% |
| Q4 25 | $0.07 | $6.11 | ||
| Q3 25 | $0.20 | $6.35 | ||
| Q2 25 | $0.21 | $5.40 | ||
| Q1 25 | $0.17 | $5.05 | ||
| Q4 24 | $1.19 | $4.92 | ||
| Q3 24 | $0.85 | $4.83 | ||
| Q2 24 | $0.88 | $0.03 | ||
| Q1 24 | $1.56 | $3.93 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $34.0M | $756.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $616.8M | $2.4B |
| Total Assets | $2.1B | $15.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.0M | $756.2M | ||
| Q3 25 | $191.5M | $644.9M | ||
| Q2 25 | $33.1M | $621.2M | ||
| Q1 25 | $29.6M | $625.1M | ||
| Q4 24 | $33.7M | $687.8M | ||
| Q3 24 | $51.8M | $550.1M | ||
| Q2 24 | $30.7M | $627.3M | ||
| Q1 24 | $21.4M | $593.4M |
| Q4 25 | $616.8M | $2.4B | ||
| Q3 25 | $613.3M | $2.3B | ||
| Q2 25 | $605.2M | $2.3B | ||
| Q1 25 | $599.0M | $2.3B | ||
| Q4 24 | $598.3M | $2.3B | ||
| Q3 24 | $606.1M | $1.9B | ||
| Q2 24 | $570.3M | $2.1B | ||
| Q1 24 | $560.6M | $2.2B |
| Q4 25 | $2.1B | $15.0B | ||
| Q3 25 | $2.2B | $14.8B | ||
| Q2 25 | $1.9B | $14.8B | ||
| Q1 25 | $1.9B | $14.6B | ||
| Q4 24 | $2.0B | $14.6B | ||
| Q3 24 | $2.0B | $14.8B | ||
| Q2 24 | $1.9B | $14.6B | ||
| Q1 24 | $1.8B | $14.9B |
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 | $-1.2M | $338.2M |
| Free Cash FlowOCF − Capex | $-12.4M | — |
| FCF MarginFCF / Revenue | -1.6% | — |
| Capex IntensityCapex / Revenue | 1.4% | — |
| Cash ConversionOCF / Net Profit | -0.50× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | $14.4M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.2M | $338.2M | ||
| Q3 25 | $47.3M | $202.9M | ||
| Q2 25 | $-5.7M | $162.6M | ||
| Q1 25 | $28.7M | $197.5M | ||
| Q4 24 | $-39.8M | $270.6M | ||
| Q3 24 | $79.6M | $207.3M | ||
| Q2 24 | $36.1M | $173.3M | ||
| Q1 24 | $43.0M | $210.9M |
| Q4 25 | $-12.4M | — | ||
| Q3 25 | $35.0M | — | ||
| Q2 25 | $-26.2M | — | ||
| Q1 25 | $18.0M | — | ||
| Q4 24 | $-57.4M | — | ||
| Q3 24 | $68.5M | — | ||
| Q2 24 | $26.3M | — | ||
| Q1 24 | $32.4M | — |
| Q4 25 | -1.6% | — | ||
| Q3 25 | 5.3% | — | ||
| Q2 25 | -4.3% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | -7.7% | — | ||
| Q3 24 | 10.0% | — | ||
| Q2 24 | 4.0% | — | ||
| Q1 24 | 4.6% | — |
| Q4 25 | 1.4% | — | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 3.3% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 2.4% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 1.5% | — | ||
| Q1 24 | 1.5% | — |
| Q4 25 | -0.50× | 1.72× | ||
| Q3 25 | 7.05× | 0.98× | ||
| Q2 25 | -0.81× | 0.91× | ||
| Q1 25 | 5.82× | 1.17× | ||
| Q4 24 | -0.96× | 1.62× | ||
| Q3 24 | 2.66× | 1.26× | ||
| Q2 24 | 1.17× | 147.98× | ||
| Q1 24 | 0.77× | 1.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CAL
| Brand Portfolio | $383.7M | 49% |
| Landed Wholesale | $148.1M | 19% |
| Wholesale E Commerce | $75.0M | 9% |
| Ecommerce | $68.8M | 9% |
| Stuart Weitzman Brand | $45.8M | 6% |
| Landed Wholesale Ecommerce Drop Ship | $30.6M | 4% |
| First Cost Wholesale | $14.9M | 2% |
| Clt Brand Solutions | $10.2M | 1% |
| License And Royalty | $2.1M | 0% |
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
