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Side-by-side financial comparison of CARTERS INC (CRI) and Dream Finders Homes, Inc. (DFH). Click either name above to swap in a different company.
Dream Finders Homes, Inc. is the larger business by last-quarter revenue ($1.2B vs $757.8M, roughly 1.6× CARTERS INC). Dream Finders Homes, Inc. runs the higher net margin — 4.8% vs 1.5%, a 3.3% gap on every dollar of revenue. On growth, CARTERS INC posted the faster year-over-year revenue change (-0.1% vs -22.3%). Dream Finders Homes, Inc. produced more free cash flow last quarter ($136.0M vs $-144.1M).
Carter's, Inc. is a major American designer and marketer of children's apparel. It was founded in 1865 by William Carter.
Dream Finders Homes, Inc. is a U.S. homebuilding firm that constructs and sells entry-level to luxury residential properties, including single-family homes and townhomes, across high-growth domestic markets. It also provides mortgage, title insurance and home warranty services for homebuyers.
CRI vs DFH — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $757.8M | $1.2B |
| Net Profit | $11.6M | $58.8M |
| Gross Margin | 45.1% | — |
| Operating Margin | 3.8% | 6.4% |
| Net Margin | 1.5% | 4.8% |
| Revenue YoY | -0.1% | -22.3% |
| Net Profit YoY | -80.1% | -54.9% |
| EPS (diluted) | $0.32 | $0.57 |
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 | — | $1.2B | ||
| Q3 25 | $757.8M | $969.8M | ||
| Q2 25 | $585.3M | $1.2B | ||
| Q1 25 | $629.8M | $989.9M | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.0B | ||
| Q2 24 | — | $1.1B | ||
| Q1 24 | — | $827.8M |
| Q4 25 | — | $58.8M | ||
| Q3 25 | $11.6M | $47.0M | ||
| Q2 25 | $446.0K | $56.6M | ||
| Q1 25 | $15.5M | $54.9M | ||
| Q4 24 | — | $130.5M | ||
| Q3 24 | — | $70.7M | ||
| Q2 24 | — | $80.9M | ||
| Q1 24 | — | $54.5M |
| Q4 25 | — | — | ||
| Q3 25 | 45.1% | — | ||
| Q2 25 | 48.1% | — | ||
| Q1 25 | 46.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 19.2% | ||
| Q1 24 | — | 18.0% |
| Q4 25 | — | 6.4% | ||
| Q3 25 | 3.8% | 6.3% | ||
| Q2 25 | 0.7% | 6.4% | ||
| Q1 25 | 4.1% | 7.2% | ||
| Q4 24 | — | 10.8% | ||
| Q3 24 | — | 9.2% | ||
| Q2 24 | — | 10.0% | ||
| Q1 24 | — | 8.6% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | 1.5% | 4.8% | ||
| Q2 25 | 0.1% | 4.9% | ||
| Q1 25 | 2.5% | 5.5% | ||
| Q4 24 | — | 8.4% | ||
| Q3 24 | — | 7.0% | ||
| Q2 24 | — | 7.7% | ||
| Q1 24 | — | 6.6% |
| Q4 25 | — | $0.57 | ||
| Q3 25 | $0.32 | $0.47 | ||
| Q2 25 | $0.01 | $0.56 | ||
| Q1 25 | $0.43 | $0.54 | ||
| Q4 24 | — | $1.28 | ||
| Q3 24 | — | $0.70 | ||
| Q2 24 | — | $0.81 | ||
| Q1 24 | — | $0.55 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $184.2M | $234.8M |
| Total DebtLower is stronger | — | $1.6B |
| Stockholders' EquityBook value | $864.6M | $1.4B |
| Total Assets | $2.5B | $3.7B |
| Debt / EquityLower = less leverage | — | 1.13× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $234.8M | ||
| Q3 25 | $184.2M | $251.0M | ||
| Q2 25 | $338.2M | $210.3M | ||
| Q1 25 | $320.8M | $297.5M | ||
| Q4 24 | — | $274.4M | ||
| Q3 24 | — | $204.9M | ||
| Q2 24 | — | $274.8M | ||
| Q1 24 | — | $239.4M |
| Q4 25 | — | $1.6B | ||
| Q3 25 | — | $1.8B | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $1.4B | ||
| Q3 25 | $864.6M | $1.4B | ||
| Q2 25 | $853.9M | $1.3B | ||
| Q1 25 | $847.2M | $1.3B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $968.7M |
| Q4 25 | — | $3.7B | ||
| Q3 25 | $2.5B | $3.8B | ||
| Q2 25 | $2.5B | $3.7B | ||
| Q1 25 | $2.3B | $3.5B | ||
| Q4 24 | — | $3.3B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.0B | ||
| Q1 24 | — | $2.7B |
| Q4 25 | — | 1.13× | ||
| Q3 25 | — | 1.29× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.03× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-128.0M | $143.6M |
| Free Cash FlowOCF − Capex | $-144.1M | $136.0M |
| FCF MarginFCF / Revenue | -19.0% | 11.2% |
| Capex IntensityCapex / Revenue | 2.1% | 0.6% |
| Cash ConversionOCF / Net Profit | -11.04× | 2.44× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-126.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $143.6M | ||
| Q3 25 | $-128.0M | $-131.0M | ||
| Q2 25 | $40.3M | $-68.5M | ||
| Q1 25 | $-48.6M | $-44.7M | ||
| Q4 24 | — | $306.5M | ||
| Q3 24 | — | $-205.0M | ||
| Q2 24 | — | $-110.6M | ||
| Q1 24 | — | $-247.5M |
| Q4 25 | — | $136.0M | ||
| Q3 25 | $-144.1M | $-135.7M | ||
| Q2 25 | $24.1M | $-78.8M | ||
| Q1 25 | $-59.0M | $-47.9M | ||
| Q4 24 | — | $302.6M | ||
| Q3 24 | — | $-222.5M | ||
| Q2 24 | — | $-112.4M | ||
| Q1 24 | — | $-249.6M |
| Q4 25 | — | 11.2% | ||
| Q3 25 | -19.0% | -14.0% | ||
| Q2 25 | 4.1% | -6.8% | ||
| Q1 25 | -9.4% | -4.8% | ||
| Q4 24 | — | 19.4% | ||
| Q3 24 | — | -22.1% | ||
| Q2 24 | — | -10.6% | ||
| Q1 24 | — | -30.2% |
| Q4 25 | — | 0.6% | ||
| Q3 25 | 2.1% | 0.5% | ||
| Q2 25 | 2.8% | 0.9% | ||
| Q1 25 | 1.6% | 0.3% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | 2.44× | ||
| Q3 25 | -11.04× | -2.79× | ||
| Q2 25 | 90.37× | -1.21× | ||
| Q1 25 | -3.13× | -0.81× | ||
| Q4 24 | — | 2.35× | ||
| Q3 24 | — | -2.90× | ||
| Q2 24 | — | -1.37× | ||
| Q1 24 | — | -4.54× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CRI
| Sales Channel Directly To Consumer | $362.3M | 48% |
| Sales Channel Through Intermediary | $283.8M | 37% |
| Other | $110.4M | 15% |
| Gift Cards | $1.3M | 0% |
DFH
| Midwest Segment | $454.2M | 37% |
| Southeast Segment | $397.5M | 33% |
| Mid Atlantic Segment | $307.3M | 25% |
| Financial Services Segment | $53.7M | 4% |
