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Side-by-side financial comparison of Citi Trends Inc (CTRN) and Flywire Corp (FLYW). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $157.5M, roughly 1.3× Flywire Corp). Flywire Corp runs the higher net margin — 0.0% vs -3.5%, a 3.5% gap on every dollar of revenue. On growth, Flywire Corp posted the faster year-over-year revenue change (34.0% vs 10.1%). Flywire Corp produced more free cash flow last quarter ($4.5M vs $767.0K). Over the past eight quarters, Flywire Corp's revenue compounded faster (17.5% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Flywire Corp is a global payment and receivables solutions provider serving core verticals including education, healthcare, travel, and B2B commerce. It offers secure cross-border payment processing, currency conversion, and workflow tools for organizations and payers worldwide.
CTRN vs FLYW — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $157.5M |
| Net Profit | $-6.9M | $33.0K |
| Gross Margin | — | — |
| Operating Margin | -3.7% | -0.6% |
| Net Margin | -3.5% | 0.0% |
| Revenue YoY | 10.1% | 34.0% |
| Net Profit YoY | 3.6% | 100.2% |
| EPS (diluted) | $-0.86 | $0.01 |
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 | $197.1M | $157.5M | ||
| Q3 25 | $190.8M | $200.1M | ||
| Q2 25 | $201.7M | $131.9M | ||
| Q1 25 | $211.2M | $133.5M | ||
| Q4 24 | $179.1M | $117.5M | ||
| Q3 24 | $176.6M | $156.8M | ||
| Q2 24 | $186.3M | $103.7M | ||
| Q1 24 | $215.2M | $114.1M |
| Q4 25 | $-6.9M | $33.0K | ||
| Q3 25 | $3.8M | $29.6M | ||
| Q2 25 | $871.0K | $-12.0M | ||
| Q1 25 | $-14.2M | $-4.2M | ||
| Q4 24 | $-7.2M | $-15.9M | ||
| Q3 24 | $-18.4M | $38.9M | ||
| Q2 24 | $-3.4M | $-13.9M | ||
| Q1 24 | $3.6M | $-6.2M |
| Q4 25 | -3.7% | -0.6% | ||
| Q3 25 | 1.8% | 16.1% | ||
| Q2 25 | 0.2% | -6.8% | ||
| Q1 25 | 0.6% | -8.2% | ||
| Q4 24 | -4.9% | -4.9% | ||
| Q3 24 | -14.1% | 12.9% | ||
| Q2 24 | -3.7% | -15.2% | ||
| Q1 24 | 1.8% | -5.2% |
| Q4 25 | -3.5% | 0.0% | ||
| Q3 25 | 2.0% | 14.8% | ||
| Q2 25 | 0.4% | -9.1% | ||
| Q1 25 | -6.7% | -3.1% | ||
| Q4 24 | -4.0% | -13.5% | ||
| Q3 24 | -10.4% | 24.8% | ||
| Q2 24 | -1.8% | -13.4% | ||
| Q1 24 | 1.7% | -5.4% |
| Q4 25 | $-0.86 | $0.01 | ||
| Q3 25 | $0.46 | $0.23 | ||
| Q2 25 | $0.11 | $-0.10 | ||
| Q1 25 | $-1.70 | $-0.03 | ||
| Q4 24 | $-0.86 | $-0.12 | ||
| Q3 24 | $-2.21 | $0.30 | ||
| Q2 24 | $-0.42 | $-0.11 | ||
| Q1 24 | $0.43 | $-0.05 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $355.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $835.2M |
| Total Assets | $464.3M | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $355.0M | ||
| Q3 25 | — | $377.3M | ||
| Q2 25 | — | $274.2M | ||
| Q1 25 | — | $255.3M | ||
| Q4 24 | — | $611.1M | ||
| Q3 24 | — | $681.1M | ||
| Q2 24 | — | $571.0M | ||
| Q1 24 | — | $619.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | $15.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $107.8M | $835.2M | ||
| Q3 25 | $113.2M | $829.1M | ||
| Q2 25 | $108.6M | $792.4M | ||
| Q1 25 | $113.2M | $784.3M | ||
| Q4 24 | $130.3M | $814.8M | ||
| Q3 24 | $136.6M | $843.2M | ||
| Q2 24 | $154.8M | $802.6M | ||
| Q1 24 | $157.7M | $-797.0M |
| Q4 25 | $464.3M | $1.3B | ||
| Q3 25 | $457.4M | $1.3B | ||
| Q2 25 | $437.4M | $1.1B | ||
| Q1 25 | $462.8M | $1.1B | ||
| Q4 24 | $467.1M | $1.1B | ||
| Q3 24 | $506.7M | $1.2B | ||
| Q2 24 | $484.1M | $998.7M | ||
| Q1 24 | $518.7M | $998.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.02× | ||
| Q2 25 | — | 0.08× | ||
| Q1 25 | — | 0.08× | ||
| Q4 24 | — | 0.00× | ||
| 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 | $8.6M | $4.9M |
| Free Cash FlowOCF − Capex | $767.0K | $4.5M |
| FCF MarginFCF / Revenue | 0.4% | 2.9% |
| Capex IntensityCapex / Revenue | 4.0% | 0.2% |
| Cash ConversionOCF / Net Profit | — | 148.06× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $98.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $4.9M | ||
| Q3 25 | $3.9M | $150.1M | ||
| Q2 25 | $-11.0M | $24.1M | ||
| Q1 25 | $28.5M | $-78.9M | ||
| Q4 24 | $-18.4M | $-28.6M | ||
| Q3 24 | $5.6M | $184.6M | ||
| Q2 24 | $-19.6M | $-19.3M | ||
| Q1 24 | $23.3M | $-38.1M |
| Q4 25 | $767.0K | $4.5M | ||
| Q3 25 | $-1.7M | $149.9M | ||
| Q2 25 | $-13.1M | $23.5M | ||
| Q1 25 | $26.0M | $-79.1M | ||
| Q4 24 | $-20.4M | $-28.7M | ||
| Q3 24 | $1.7M | $184.4M | ||
| Q2 24 | $-21.2M | $-19.7M | ||
| Q1 24 | $20.0M | $-38.3M |
| Q4 25 | 0.4% | 2.9% | ||
| Q3 25 | -0.9% | 74.9% | ||
| Q2 25 | -6.5% | 17.8% | ||
| Q1 25 | 12.3% | -59.3% | ||
| Q4 24 | -11.4% | -24.4% | ||
| Q3 24 | 0.9% | 117.6% | ||
| Q2 24 | -11.4% | -19.0% | ||
| Q1 24 | 9.3% | -33.6% |
| Q4 25 | 4.0% | 0.2% | ||
| Q3 25 | 2.9% | 0.1% | ||
| Q2 25 | 1.0% | 0.4% | ||
| Q1 25 | 1.2% | 0.1% | ||
| Q4 24 | 1.1% | 0.1% | ||
| Q3 24 | 2.2% | 0.1% | ||
| Q2 24 | 0.9% | 0.3% | ||
| Q1 24 | 1.5% | 0.2% |
| Q4 25 | — | 148.06× | ||
| Q3 25 | 1.01× | 5.07× | ||
| Q2 25 | -12.59× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 4.75× | ||
| Q2 24 | — | — | ||
| Q1 24 | 6.56× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
FLYW
| Transactions | $126.4M | 80% |
| Platform And Other Revenues | $31.1M | 20% |
