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Side-by-side financial comparison of Citi Trends Inc (CTRN) and loanDepot, Inc. (LDI). Click either name above to swap in a different company.
loanDepot, Inc. is the larger business by last-quarter revenue ($310.3M vs $197.1M, roughly 1.6× Citi Trends Inc). Citi Trends Inc runs the higher net margin — -3.5% vs -7.2%, a 3.7% gap on every dollar of revenue. On growth, loanDepot, Inc. posted the faster year-over-year revenue change (20.5% vs 10.1%). Citi Trends Inc produced more free cash flow last quarter ($767.0K vs $-648.0M). Over the past eight quarters, loanDepot, Inc.'s revenue compounded faster (18.0% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
CTRN vs LDI — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $310.3M |
| Net Profit | $-6.9M | $-22.5M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | -10.3% |
| Net Margin | -3.5% | -7.2% |
| Revenue YoY | 10.1% | 20.5% |
| Net Profit YoY | 3.6% | 32.4% |
| 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.
| Q4 25 | $197.1M | $310.3M | ||
| Q3 25 | $190.8M | $323.3M | ||
| Q2 25 | $201.7M | $282.5M | ||
| Q1 25 | $211.2M | $273.6M | ||
| Q4 24 | $179.1M | $257.5M | ||
| Q3 24 | $176.6M | $314.6M | ||
| Q2 24 | $186.3M | $265.4M | ||
| Q1 24 | $215.2M | $222.8M |
| Q4 25 | $-6.9M | $-22.5M | ||
| Q3 25 | $3.8M | $-4.9M | ||
| Q2 25 | $871.0K | $-13.4M | ||
| Q1 25 | $-14.2M | $-21.9M | ||
| Q4 24 | $-7.2M | $-33.2M | ||
| Q3 24 | $-18.4M | $1.4M | ||
| Q2 24 | $-3.4M | $-32.2M | ||
| Q1 24 | $3.6M | $-34.3M |
| Q4 25 | -3.7% | -10.3% | ||
| Q3 25 | 1.8% | -3.2% | ||
| Q2 25 | 0.2% | -11.4% | ||
| Q1 25 | 0.6% | -16.8% | ||
| Q4 24 | -4.9% | -32.7% | ||
| Q3 24 | -14.1% | 1.1% | ||
| Q2 24 | -3.7% | -29.1% | ||
| Q1 24 | 1.8% | -38.2% |
| Q4 25 | -3.5% | -7.2% | ||
| Q3 25 | 2.0% | -1.5% | ||
| Q2 25 | 0.4% | -4.7% | ||
| Q1 25 | -6.7% | -8.0% | ||
| Q4 24 | -4.0% | -12.9% | ||
| Q3 24 | -10.4% | 0.4% | ||
| Q2 24 | -1.8% | -12.1% | ||
| Q1 24 | 1.7% | -15.4% |
| Q4 25 | $-0.86 | — | ||
| Q3 25 | $0.46 | — | ||
| Q2 25 | $0.11 | — | ||
| Q1 25 | $-1.70 | — | ||
| Q4 24 | $-0.86 | — | ||
| Q3 24 | $-2.21 | $0.01 | ||
| Q2 24 | $-0.42 | $-0.18 | ||
| Q1 24 | $0.43 | $-0.19 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $337.2M |
| Total DebtLower is stronger | — | $2.1B |
| Stockholders' EquityBook value | $107.8M | $386.0M |
| Total Assets | $464.3M | $6.9B |
| Debt / EquityLower = less leverage | — | 5.44× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $337.2M | ||
| Q3 25 | — | $459.2M | ||
| Q2 25 | — | $408.6M | ||
| Q1 25 | — | $371.5M | ||
| Q4 24 | — | $421.6M | ||
| Q3 24 | — | $483.0M | ||
| Q2 24 | — | $533.2M | ||
| Q1 24 | — | $603.7M |
| Q4 25 | — | $2.1B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.0B | ||
| Q4 24 | — | $2.0B | ||
| Q3 24 | — | $2.0B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $2.3B |
| Q4 25 | $107.8M | $386.0M | ||
| Q3 25 | $113.2M | $433.3M | ||
| Q2 25 | $108.6M | $439.1M | ||
| Q1 25 | $113.2M | $469.3M | ||
| Q4 24 | $130.3M | $506.6M | ||
| Q3 24 | $136.6M | $592.0M | ||
| Q2 24 | $154.8M | $578.9M | ||
| Q1 24 | $157.7M | $637.3M |
| Q4 25 | $464.3M | $6.9B | ||
| Q3 25 | $457.4M | $6.2B | ||
| Q2 25 | $437.4M | $6.2B | ||
| Q1 25 | $462.8M | $6.4B | ||
| Q4 24 | $467.1M | $6.3B | ||
| Q3 24 | $506.7M | $6.4B | ||
| Q2 24 | $484.1M | $5.9B | ||
| Q1 24 | $518.7M | $6.2B |
| Q4 25 | — | 5.44× | ||
| Q3 25 | — | 4.83× | ||
| Q2 25 | — | 4.70× | ||
| Q1 25 | — | 4.30× | ||
| Q4 24 | — | 4.00× | ||
| Q3 24 | — | 3.31× | ||
| Q2 24 | — | 3.41× | ||
| Q1 24 | — | 3.63× |
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 | $-638.7M |
| Free Cash FlowOCF − Capex | $767.0K | $-648.0M |
| FCF MarginFCF / Revenue | 0.4% | -208.9% |
| Capex IntensityCapex / Revenue | 4.0% | 3.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $-734.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $-638.7M | ||
| Q3 25 | $3.9M | $43.4M | ||
| Q2 25 | $-11.0M | $67.6M | ||
| Q1 25 | $28.5M | $-179.9M | ||
| Q4 24 | $-18.4M | $47.7M | ||
| Q3 24 | $5.6M | $-349.2M | ||
| Q2 24 | $-19.6M | $-278.3M | ||
| Q1 24 | $23.3M | $-278.5M |
| Q4 25 | $767.0K | $-648.0M | ||
| Q3 25 | $-1.7M | $38.7M | ||
| Q2 25 | $-13.1M | $61.4M | ||
| Q1 25 | $26.0M | $-186.7M | ||
| Q4 24 | $-20.4M | $40.8M | ||
| Q3 24 | $1.7M | $-356.4M | ||
| Q2 24 | $-21.2M | $-285.7M | ||
| Q1 24 | $20.0M | $-283.3M |
| Q4 25 | 0.4% | -208.9% | ||
| Q3 25 | -0.9% | 12.0% | ||
| Q2 25 | -6.5% | 21.7% | ||
| Q1 25 | 12.3% | -68.2% | ||
| Q4 24 | -11.4% | 15.8% | ||
| Q3 24 | 0.9% | -113.3% | ||
| Q2 24 | -11.4% | -107.7% | ||
| Q1 24 | 9.3% | -127.2% |
| Q4 25 | 4.0% | 3.0% | ||
| Q3 25 | 2.9% | 1.5% | ||
| Q2 25 | 1.0% | 2.2% | ||
| Q1 25 | 1.2% | 2.5% | ||
| Q4 24 | 1.1% | 2.7% | ||
| Q3 24 | 2.2% | 2.3% | ||
| Q2 24 | 0.9% | 2.8% | ||
| Q1 24 | 1.5% | 2.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | -12.59× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -255.05× | ||
| Q2 24 | — | — | ||
| Q1 24 | 6.56× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
