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Side-by-side financial comparison of Chefs' Warehouse, Inc. (CHEF) and Primerica, Inc. (PRI). Click either name above to swap in a different company.
Chefs' Warehouse, Inc. is the larger business by last-quarter revenue ($1.1B vs $853.7M, roughly 1.2× Primerica, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 1.6%, a 21.4% gap on every dollar of revenue. On growth, Chefs' Warehouse, Inc. posted the faster year-over-year revenue change (11.4% vs 11.0%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs 5.3%).
Chefs' Warehouse, Inc. is a leading North American specialty food distributor that primarily serves independent restaurants, fine dining venues, hotels, catering firms, and other foodservice operators. It offers a curated portfolio of over 150,000 products including artisanal ingredients, specialty meats, seafood, dairy, pastries, and imported gourmet goods tailored for professional chefs.
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.
CHEF vs PRI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $853.7M |
| Net Profit | $17.4M | $197.0M |
| Gross Margin | 24.3% | — |
| Operating Margin | 3.1% | 28.9% |
| Net Margin | 1.6% | 23.1% |
| Revenue YoY | 11.4% | 11.0% |
| Net Profit YoY | 68.8% | 17.9% |
| EPS (diluted) | $0.40 | $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.
| Q1 26 | $1.1B | — | ||
| Q4 25 | $1.1B | $853.7M | ||
| Q3 25 | $1.0B | $839.9M | ||
| Q2 25 | $1.0B | $793.3M | ||
| Q1 25 | $950.7M | $804.8M | ||
| Q4 24 | $1.0B | $768.8M | ||
| Q3 24 | $931.5M | $774.1M | ||
| Q2 24 | $954.7M | $803.4M |
| Q1 26 | $17.4M | — | ||
| Q4 25 | $21.7M | $197.0M | ||
| Q3 25 | $19.1M | $206.8M | ||
| Q2 25 | $21.2M | $178.3M | ||
| Q1 25 | $10.3M | $169.1M | ||
| Q4 24 | $23.9M | $167.1M | ||
| Q3 24 | $14.1M | $164.4M | ||
| Q2 24 | $15.5M | $1.2M |
| Q1 26 | 24.3% | — | ||
| Q4 25 | 24.2% | — | ||
| Q3 25 | 24.2% | — | ||
| Q2 25 | 24.6% | — | ||
| Q1 25 | 23.8% | — | ||
| Q4 24 | 24.3% | — | ||
| Q3 24 | 24.1% | — | ||
| Q2 24 | 24.0% | 98.0% |
| Q1 26 | 3.1% | — | ||
| Q4 25 | 3.8% | 28.9% | ||
| Q3 25 | 3.8% | 32.3% | ||
| Q2 25 | 3.9% | 29.6% | ||
| Q1 25 | 2.4% | 27.5% | ||
| Q4 24 | 4.5% | 64.7% | ||
| Q3 24 | 3.4% | 32.9% | ||
| Q2 24 | 3.5% | 1.0% |
| Q1 26 | 1.6% | — | ||
| Q4 25 | 1.9% | 23.1% | ||
| Q3 25 | 1.9% | 24.6% | ||
| Q2 25 | 2.1% | 22.5% | ||
| Q1 25 | 1.1% | 21.0% | ||
| Q4 24 | 2.3% | 21.7% | ||
| Q3 24 | 1.5% | 21.2% | ||
| Q2 24 | 1.6% | 0.1% |
| Q1 26 | $0.40 | — | ||
| Q4 25 | $0.50 | $6.11 | ||
| Q3 25 | $0.44 | $6.35 | ||
| Q2 25 | $0.49 | $5.40 | ||
| Q1 25 | $0.25 | $5.05 | ||
| Q4 24 | $0.56 | $4.92 | ||
| Q3 24 | $0.34 | $4.83 | ||
| Q2 24 | $0.37 | $0.03 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $122.7M | $756.2M |
| Total DebtLower is stronger | $750.4M | — |
| Stockholders' EquityBook value | $608.6M | $2.4B |
| Total Assets | $2.0B | $15.0B |
| Debt / EquityLower = less leverage | 1.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $122.7M | — | ||
| Q4 25 | $121.0M | $756.2M | ||
| Q3 25 | $65.1M | $644.9M | ||
| Q2 25 | $96.9M | $621.2M | ||
| Q1 25 | $116.5M | $625.1M | ||
| Q4 24 | $114.7M | $687.8M | ||
| Q3 24 | $50.7M | $550.1M | ||
| Q2 24 | $38.3M | $627.3M |
| Q1 26 | $750.4M | — | ||
| Q4 25 | $720.3M | — | ||
| Q3 25 | $711.7M | — | ||
| Q2 25 | $690.2M | — | ||
| Q1 25 | $681.1M | — | ||
| Q4 24 | $688.7M | — | ||
| Q3 24 | $666.6M | — | ||
| Q2 24 | $660.8M | — |
| Q1 26 | $608.6M | — | ||
| Q4 25 | $604.3M | $2.4B | ||
| Q3 25 | $576.6M | $2.3B | ||
| Q2 25 | $557.7M | $2.3B | ||
| Q1 25 | $541.6M | $2.3B | ||
| Q4 24 | $537.6M | $2.3B | ||
| Q3 24 | $480.3M | $1.9B | ||
| Q2 24 | $461.9M | $2.1B |
| Q1 26 | $2.0B | — | ||
| Q4 25 | $2.0B | $15.0B | ||
| Q3 25 | $1.9B | $14.8B | ||
| Q2 25 | $1.9B | $14.8B | ||
| Q1 25 | $1.8B | $14.6B | ||
| Q4 24 | $1.9B | $14.6B | ||
| Q3 24 | $1.8B | $14.8B | ||
| Q2 24 | $1.7B | $14.6B |
| Q1 26 | 1.23× | — | ||
| Q4 25 | 1.19× | — | ||
| Q3 25 | 1.23× | — | ||
| Q2 25 | 1.24× | — | ||
| Q1 25 | 1.26× | — | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 1.39× | — | ||
| Q2 24 | 1.43× | — |
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 | $38.3M | $338.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | 0.7% | — |
| Cash ConversionOCF / Net Profit | 2.20× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $38.3M | — | ||
| Q4 25 | $73.9M | $338.2M | ||
| Q3 25 | $-8.7M | $202.9M | ||
| Q2 25 | $14.5M | $162.6M | ||
| Q1 25 | $49.6M | $197.5M | ||
| Q4 24 | $73.0M | $270.6M | ||
| Q3 24 | $19.8M | $207.3M | ||
| Q2 24 | $29.3M | $173.3M |
| Q1 26 | — | — | ||
| Q4 25 | $65.8M | — | ||
| Q3 25 | $-19.7M | — | ||
| Q2 25 | $4.5M | — | ||
| Q1 25 | $37.2M | — | ||
| Q4 24 | $64.6M | — | ||
| Q3 24 | $11.8M | — | ||
| Q2 24 | $13.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 5.8% | — | ||
| Q3 25 | -1.9% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 3.9% | — | ||
| Q4 24 | 6.3% | — | ||
| Q3 24 | 1.3% | — | ||
| Q2 24 | 1.4% | — |
| Q1 26 | 0.7% | — | ||
| Q4 25 | 0.7% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 1.3% | — | ||
| Q4 24 | 0.8% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 1.7% | — |
| Q1 26 | 2.20× | — | ||
| Q4 25 | 3.41× | 1.72× | ||
| Q3 25 | -0.46× | 0.98× | ||
| Q2 25 | 0.68× | 0.91× | ||
| Q1 25 | 4.82× | 1.17× | ||
| Q4 24 | 3.05× | 1.62× | ||
| Q3 24 | 1.41× | 1.26× | ||
| Q2 24 | 1.89× | 147.98× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CHEF
Segment breakdown not available.
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% |
