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Side-by-side financial comparison of Citi Trends Inc (CTRN) and DONEGAL GROUP INC (DGICA). Click either name above to swap in a different company.
DONEGAL GROUP INC is the larger business by last-quarter revenue ($236.0M vs $197.1M, roughly 1.2× Citi Trends Inc). DONEGAL GROUP INC runs the higher net margin — 4.9% vs -3.5%, a 8.4% gap on every dollar of revenue. On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs -3.7%). Over the past eight quarters, DONEGAL GROUP INC's revenue compounded faster (-2.2% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Donegal Group Inc. is a regional US insurance holding company offering personal and commercial property and casualty insurance products. It serves Mid-Atlantic, Midwest, and Southern US customers, delivering tailored coverage for individuals, families, and small to medium businesses.
CTRN vs DGICA — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $236.0M |
| Net Profit | $-6.9M | $11.5M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 4.9% |
| Revenue YoY | 10.1% | -3.7% |
| Net Profit YoY | 3.6% | -54.3% |
| EPS (diluted) | $-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 | — | $236.0M | ||
| Q4 25 | $197.1M | $239.8M | ||
| Q3 25 | $190.8M | $245.9M | ||
| Q2 25 | $201.7M | $247.1M | ||
| Q1 25 | $211.2M | $245.2M | ||
| Q4 24 | $179.1M | $250.0M | ||
| Q3 24 | $176.6M | $251.7M | ||
| Q2 24 | $186.3M | $246.8M |
| Q1 26 | — | $11.5M | ||
| Q4 25 | $-6.9M | $17.2M | ||
| Q3 25 | $3.8M | $20.1M | ||
| Q2 25 | $871.0K | $16.9M | ||
| Q1 25 | $-14.2M | $25.2M | ||
| Q4 24 | $-7.2M | $24.0M | ||
| Q3 24 | $-18.4M | $16.8M | ||
| Q2 24 | $-3.4M | $4.2M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | 8.7% | ||
| Q3 25 | 1.8% | 10.2% | ||
| Q2 25 | 0.2% | 8.3% | ||
| Q1 25 | 0.6% | 12.7% | ||
| Q4 24 | -4.9% | 11.9% | ||
| Q3 24 | -14.1% | 8.1% | ||
| Q2 24 | -3.7% | 2.0% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | -3.5% | 7.2% | ||
| Q3 25 | 2.0% | 8.2% | ||
| Q2 25 | 0.4% | 6.8% | ||
| Q1 25 | -6.7% | 10.3% | ||
| Q4 24 | -4.0% | 9.6% | ||
| Q3 24 | -10.4% | 6.7% | ||
| Q2 24 | -1.8% | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | $-0.86 | — | ||
| Q3 25 | $0.46 | — | ||
| Q2 25 | $0.11 | — | ||
| Q1 25 | $-1.70 | — | ||
| Q4 24 | $-0.86 | — | ||
| Q3 24 | $-2.21 | — | ||
| Q2 24 | $-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 | $107.8M | $649.1M |
| Total Assets | $464.3M | $2.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $649.1M | ||
| Q4 25 | $107.8M | $640.4M | ||
| Q3 25 | $113.2M | $627.4M | ||
| Q2 25 | $108.6M | $605.7M | ||
| Q1 25 | $113.2M | $584.7M | ||
| Q4 24 | $130.3M | $545.8M | ||
| Q3 24 | $136.6M | $513.4M | ||
| Q2 24 | $154.8M | $484.1M |
| Q1 26 | — | $2.4B | ||
| Q4 25 | $464.3M | $2.4B | ||
| Q3 25 | $457.4M | $2.4B | ||
| Q2 25 | $437.4M | $2.4B | ||
| Q1 25 | $462.8M | $2.4B | ||
| Q4 24 | $467.1M | $2.3B | ||
| Q3 24 | $506.7M | $2.3B | ||
| Q2 24 | $484.1M | $2.3B |
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 | $8.6M | $70.2M | ||
| Q3 25 | $3.9M | $22.4M | ||
| Q2 25 | $-11.0M | $12.1M | ||
| Q1 25 | $28.5M | $25.7M | ||
| Q4 24 | $-18.4M | $67.4M | ||
| Q3 24 | $5.6M | $12.7M | ||
| Q2 24 | $-19.6M | $21.7M |
| Q1 26 | — | — | ||
| Q4 25 | $767.0K | — | ||
| Q3 25 | $-1.7M | — | ||
| Q2 25 | $-13.1M | — | ||
| Q1 25 | $26.0M | — | ||
| Q4 24 | $-20.4M | — | ||
| Q3 24 | $1.7M | — | ||
| Q2 24 | $-21.2M | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | — | ||
| Q3 25 | -0.9% | — | ||
| Q2 25 | -6.5% | — | ||
| Q1 25 | 12.3% | — | ||
| Q4 24 | -11.4% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | -11.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | — | ||
| Q3 25 | 2.9% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 1.1% | — | ||
| Q3 24 | 2.2% | — | ||
| Q2 24 | 0.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.08× | ||
| Q3 25 | 1.01× | 1.11× | ||
| Q2 25 | -12.59× | 0.72× | ||
| Q1 25 | — | 1.02× | ||
| Q4 24 | — | 2.81× | ||
| Q3 24 | — | 0.76× | ||
| Q2 24 | — | 5.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
