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Side-by-side financial comparison of Citi Trends Inc (CTRN) and HCI Group, Inc. (HCI). Click either name above to swap in a different company.
HCI Group, Inc. is the larger business by last-quarter revenue ($246.2M vs $197.1M, roughly 1.2× Citi Trends Inc). HCI Group, Inc. runs the higher net margin — 39.7% vs -3.5%, a 43.2% gap on every dollar of revenue. On growth, HCI Group, Inc. posted the faster year-over-year revenue change (52.1% vs 10.1%). HCI Group, Inc. produced more free cash flow last quarter ($440.8M vs $767.0K). Over the past eight quarters, HCI Group, Inc.'s revenue compounded faster (9.2% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
HCI Equity Partners is a Washington, DC–based private equity firm with an additional office in Chicago, Illinois.
CTRN vs HCI — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $246.2M |
| Net Profit | $-6.9M | $97.7M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 58.5% |
| Net Margin | -3.5% | 39.7% |
| Revenue YoY | 10.1% | 52.1% |
| Net Profit YoY | 3.6% | 3679.2% |
| EPS (diluted) | $-0.86 | $7.29 |
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 | $246.2M | ||
| Q3 25 | $190.8M | $216.3M | ||
| Q2 25 | $201.7M | $221.9M | ||
| Q1 25 | $211.2M | $216.4M | ||
| Q4 24 | $179.1M | $161.9M | ||
| Q3 24 | $176.6M | $175.3M | ||
| Q2 24 | $186.3M | $206.2M | ||
| Q1 24 | $215.2M | $206.6M |
| Q4 25 | $-6.9M | $97.7M | ||
| Q3 25 | $3.8M | $65.5M | ||
| Q2 25 | $871.0K | $66.2M | ||
| Q1 25 | $-14.2M | $69.7M | ||
| Q4 24 | $-7.2M | $2.6M | ||
| Q3 24 | $-18.4M | $5.7M | ||
| Q2 24 | $-3.4M | $54.1M | ||
| Q1 24 | $3.6M | $47.6M |
| Q4 25 | -3.7% | 58.5% | ||
| Q3 25 | 1.8% | 41.9% | ||
| Q2 25 | 0.2% | 42.5% | ||
| Q1 25 | 0.6% | 46.4% | ||
| Q4 24 | -4.9% | 3.6% | ||
| Q3 24 | -14.1% | 8.0% | ||
| Q2 24 | -3.7% | 36.9% | ||
| Q1 24 | 1.8% | 37.5% |
| Q4 25 | -3.5% | 39.7% | ||
| Q3 25 | 2.0% | 30.3% | ||
| Q2 25 | 0.4% | 29.8% | ||
| Q1 25 | -6.7% | 32.2% | ||
| Q4 24 | -4.0% | 1.6% | ||
| Q3 24 | -10.4% | 3.2% | ||
| Q2 24 | -1.8% | 26.2% | ||
| Q1 24 | 1.7% | 23.0% |
| Q4 25 | $-0.86 | $7.29 | ||
| Q3 25 | $0.46 | $4.90 | ||
| Q2 25 | $0.11 | $5.18 | ||
| Q1 25 | $-1.70 | $5.35 | ||
| Q4 24 | $-0.86 | $0.32 | ||
| Q3 24 | $-2.21 | $0.52 | ||
| Q2 24 | $-0.42 | $4.24 | ||
| Q1 24 | $0.43 | $3.81 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.2B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $1.0B |
| Total Assets | $464.3M | $2.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $987.9M | ||
| Q2 25 | — | $947.2M | ||
| Q1 25 | — | $754.5M | ||
| Q4 24 | — | $532.5M | ||
| Q3 24 | — | $518.8M | ||
| Q2 24 | — | $445.8M | ||
| Q1 24 | — | $655.4M |
| Q4 25 | $107.8M | $1.0B | ||
| Q3 25 | $113.2M | $821.8M | ||
| Q2 25 | $108.6M | $758.6M | ||
| Q1 25 | $113.2M | $522.7M | ||
| Q4 24 | $130.3M | $453.3M | ||
| Q3 24 | $136.6M | $455.3M | ||
| Q2 24 | $154.8M | $447.3M | ||
| Q1 24 | $157.7M | $395.7M |
| Q4 25 | $464.3M | $2.5B | ||
| Q3 25 | $457.4M | $2.3B | ||
| Q2 25 | $437.4M | $2.4B | ||
| Q1 25 | $462.8M | $2.3B | ||
| Q4 24 | $467.1M | $2.2B | ||
| Q3 24 | $506.7M | $2.0B | ||
| Q2 24 | $484.1M | $1.9B | ||
| Q1 24 | $518.7M | $1.8B |
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 | $444.4M |
| Free Cash FlowOCF − Capex | $767.0K | $440.8M |
| FCF MarginFCF / Revenue | 0.4% | 179.0% |
| Capex IntensityCapex / Revenue | 4.0% | 1.5% |
| Cash ConversionOCF / Net Profit | — | 4.55× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $771.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $444.4M | ||
| Q3 25 | $3.9M | $26.7M | ||
| Q2 25 | $-11.0M | $145.0M | ||
| Q1 25 | $28.5M | $162.0M | ||
| Q4 24 | $-18.4M | $331.8M | ||
| Q3 24 | $5.6M | $104.1M | ||
| Q2 24 | $-19.6M | $-29.0M | ||
| Q1 24 | $23.3M | $182.0M |
| Q4 25 | $767.0K | $440.8M | ||
| Q3 25 | $-1.7M | $25.9M | ||
| Q2 25 | $-13.1M | $144.5M | ||
| Q1 25 | $26.0M | $160.3M | ||
| Q4 24 | $-20.4M | $327.8M | ||
| Q3 24 | $1.7M | $103.2M | ||
| Q2 24 | $-21.2M | $-30.1M | ||
| Q1 24 | $20.0M | $181.0M |
| Q4 25 | 0.4% | 179.0% | ||
| Q3 25 | -0.9% | 12.0% | ||
| Q2 25 | -6.5% | 65.1% | ||
| Q1 25 | 12.3% | 74.1% | ||
| Q4 24 | -11.4% | 202.5% | ||
| Q3 24 | 0.9% | 58.9% | ||
| Q2 24 | -11.4% | -14.6% | ||
| Q1 24 | 9.3% | 87.6% |
| Q4 25 | 4.0% | 1.5% | ||
| Q3 25 | 2.9% | 0.4% | ||
| Q2 25 | 1.0% | 0.2% | ||
| Q1 25 | 1.2% | 0.8% | ||
| Q4 24 | 1.1% | 2.5% | ||
| Q3 24 | 2.2% | 0.5% | ||
| Q2 24 | 0.9% | 0.5% | ||
| Q1 24 | 1.5% | 0.5% |
| Q4 25 | — | 4.55× | ||
| Q3 25 | 1.01× | 0.41× | ||
| Q2 25 | -12.59× | 2.19× | ||
| Q1 25 | — | 2.32× | ||
| Q4 24 | — | 128.41× | ||
| Q3 24 | — | 18.33× | ||
| Q2 24 | — | -0.54× | ||
| Q1 24 | 6.56× | 3.82× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
HCI
| Insurance Operation | $218.3M | 89% |
| Reciprocal Exchange Operation | $27.0M | 11% |
