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Side-by-side financial comparison of CARTERS INC (CRI) 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 $757.8M, roughly 1.1× CARTERS INC). Primerica, Inc. runs the higher net margin — 23.1% vs 1.5%, a 21.6% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs -0.1%).
Carter's, Inc. is a major American designer and marketer of children's apparel. It was founded in 1865 by William Carter.
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.
CRI vs PRI — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $757.8M | $853.7M |
| Net Profit | $11.6M | $197.0M |
| Gross Margin | 45.1% | — |
| Operating Margin | 3.8% | 28.9% |
| Net Margin | 1.5% | 23.1% |
| Revenue YoY | -0.1% | 11.0% |
| Net Profit YoY | -80.1% | 17.9% |
| EPS (diluted) | $0.32 | $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 | — | $853.7M | ||
| Q3 25 | $757.8M | $839.9M | ||
| Q2 25 | $585.3M | $793.3M | ||
| Q1 25 | $629.8M | $804.8M | ||
| Q4 24 | — | $768.8M | ||
| Q3 24 | — | $774.1M | ||
| Q2 24 | — | $803.4M | ||
| Q1 24 | — | $742.8M |
| Q4 25 | — | $197.0M | ||
| Q3 25 | $11.6M | $206.8M | ||
| Q2 25 | $446.0K | $178.3M | ||
| Q1 25 | $15.5M | $169.1M | ||
| Q4 24 | — | $167.1M | ||
| Q3 24 | — | $164.4M | ||
| Q2 24 | — | $1.2M | ||
| Q1 24 | — | $137.9M |
| Q4 25 | — | — | ||
| Q3 25 | 45.1% | — | ||
| Q2 25 | 48.1% | — | ||
| Q1 25 | 46.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 98.0% | ||
| Q1 24 | — | 98.2% |
| Q4 25 | — | 28.9% | ||
| Q3 25 | 3.8% | 32.3% | ||
| Q2 25 | 0.7% | 29.6% | ||
| Q1 25 | 4.1% | 27.5% | ||
| Q4 24 | — | 64.7% | ||
| Q3 24 | — | 32.9% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 24.1% |
| Q4 25 | — | 23.1% | ||
| Q3 25 | 1.5% | 24.6% | ||
| Q2 25 | 0.1% | 22.5% | ||
| Q1 25 | 2.5% | 21.0% | ||
| Q4 24 | — | 21.7% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 18.6% |
| Q4 25 | — | $6.11 | ||
| Q3 25 | $0.32 | $6.35 | ||
| Q2 25 | $0.01 | $5.40 | ||
| Q1 25 | $0.43 | $5.05 | ||
| Q4 24 | — | $4.92 | ||
| Q3 24 | — | $4.83 | ||
| Q2 24 | — | $0.03 | ||
| Q1 24 | — | $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 | $184.2M | $756.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $864.6M | $2.4B |
| Total Assets | $2.5B | $15.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $756.2M | ||
| Q3 25 | $184.2M | $644.9M | ||
| Q2 25 | $338.2M | $621.2M | ||
| Q1 25 | $320.8M | $625.1M | ||
| Q4 24 | — | $687.8M | ||
| Q3 24 | — | $550.1M | ||
| Q2 24 | — | $627.3M | ||
| Q1 24 | — | $593.4M |
| Q4 25 | — | $2.4B | ||
| Q3 25 | $864.6M | $2.3B | ||
| Q2 25 | $853.9M | $2.3B | ||
| Q1 25 | $847.2M | $2.3B | ||
| Q4 24 | — | $2.3B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.2B |
| Q4 25 | — | $15.0B | ||
| Q3 25 | $2.5B | $14.8B | ||
| Q2 25 | $2.5B | $14.8B | ||
| Q1 25 | $2.3B | $14.6B | ||
| Q4 24 | — | $14.6B | ||
| Q3 24 | — | $14.8B | ||
| Q2 24 | — | $14.6B | ||
| Q1 24 | — | $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 | $-128.0M | $338.2M |
| Free Cash FlowOCF − Capex | $-144.1M | — |
| FCF MarginFCF / Revenue | -19.0% | — |
| Capex IntensityCapex / Revenue | 2.1% | — |
| Cash ConversionOCF / Net Profit | -11.04× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $338.2M | ||
| Q3 25 | $-128.0M | $202.9M | ||
| Q2 25 | $40.3M | $162.6M | ||
| Q1 25 | $-48.6M | $197.5M | ||
| Q4 24 | — | $270.6M | ||
| Q3 24 | — | $207.3M | ||
| Q2 24 | — | $173.3M | ||
| Q1 24 | — | $210.9M |
| Q4 25 | — | — | ||
| Q3 25 | $-144.1M | — | ||
| Q2 25 | $24.1M | — | ||
| Q1 25 | $-59.0M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | -19.0% | — | ||
| Q2 25 | 4.1% | — | ||
| Q1 25 | -9.4% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 2.1% | — | ||
| Q2 25 | 2.8% | — | ||
| Q1 25 | 1.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 1.72× | ||
| Q3 25 | -11.04× | 0.98× | ||
| Q2 25 | 90.37× | 0.91× | ||
| Q1 25 | -3.13× | 1.17× | ||
| Q4 24 | — | 1.62× | ||
| Q3 24 | — | 1.26× | ||
| Q2 24 | — | 147.98× | ||
| Q1 24 | — | 1.53× |
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% |
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% |
