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Side-by-side financial comparison of Citi Trends Inc (CTRN) and MGIC INVESTMENT CORP (MTG). Click either name above to swap in a different company.
MGIC INVESTMENT CORP is the larger business by last-quarter revenue ($297.1M vs $197.1M, roughly 1.5× Citi Trends Inc). MGIC INVESTMENT CORP runs the higher net margin — 55.6% vs -3.5%, a 59.1% gap on every dollar of revenue. On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs -3.0%). Over the past eight quarters, MGIC INVESTMENT CORP's revenue compounded faster (-1.4% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
MGIC Investment Corporation NYSE: MTG ("MGIC") is a provider of private mortgage insurance in the United States. The company is headquartered in Milwaukee, Wisconsin.
CTRN vs MTG — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $297.1M |
| Net Profit | $-6.9M | $165.3M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | — |
| Net Margin | -3.5% | 55.6% |
| Revenue YoY | 10.1% | -3.0% |
| Net Profit YoY | 3.6% | -10.9% |
| EPS (diluted) | $-0.86 | $0.76 |
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 | — | $297.1M | ||
| Q4 25 | $197.1M | $298.7M | ||
| Q3 25 | $190.8M | $304.5M | ||
| Q2 25 | $201.7M | $304.2M | ||
| Q1 25 | $211.2M | $306.2M | ||
| Q4 24 | $179.1M | $301.4M | ||
| Q3 24 | $176.6M | $306.6M | ||
| Q2 24 | $186.3M | $305.3M |
| Q1 26 | — | $165.3M | ||
| Q4 25 | $-6.9M | $169.3M | ||
| Q3 25 | $3.8M | $191.1M | ||
| Q2 25 | $871.0K | $192.5M | ||
| Q1 25 | $-14.2M | $185.5M | ||
| Q4 24 | $-7.2M | $184.7M | ||
| Q3 24 | $-18.4M | $200.0M | ||
| Q2 24 | $-3.4M | $204.2M |
| Q1 26 | — | — | ||
| Q4 25 | -3.7% | 71.2% | ||
| Q3 25 | 1.8% | 77.2% | ||
| Q2 25 | 0.2% | 80.9% | ||
| Q1 25 | 0.6% | 76.6% | ||
| Q4 24 | -4.9% | 77.9% | ||
| Q3 24 | -14.1% | 82.9% | ||
| Q2 24 | -3.7% | 85.1% |
| Q1 26 | — | 55.6% | ||
| Q4 25 | -3.5% | 56.7% | ||
| Q3 25 | 2.0% | 62.8% | ||
| Q2 25 | 0.4% | 63.3% | ||
| Q1 25 | -6.7% | 60.6% | ||
| Q4 24 | -4.0% | 61.3% | ||
| Q3 24 | -10.4% | 65.2% | ||
| Q2 24 | -1.8% | 66.9% |
| Q1 26 | — | $0.76 | ||
| Q4 25 | $-0.86 | $0.75 | ||
| Q3 25 | $0.46 | $0.83 | ||
| Q2 25 | $0.11 | $0.81 | ||
| Q1 25 | $-1.70 | $0.75 | ||
| Q4 24 | $-0.86 | $0.71 | ||
| Q3 24 | $-2.21 | $0.77 | ||
| Q2 24 | $-0.42 | $0.77 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $235.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $5.0B |
| Total Assets | $464.3M | $6.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $235.1M | ||
| Q4 25 | — | $369.0M | ||
| Q3 25 | — | $266.9M | ||
| Q2 25 | — | $294.9M | ||
| Q1 25 | — | $207.0M | ||
| Q4 24 | — | $229.5M | ||
| Q3 24 | — | $288.6M | ||
| Q2 24 | — | $281.8M |
| Q1 26 | — | $5.0B | ||
| Q4 25 | $107.8M | $5.1B | ||
| Q3 25 | $113.2M | $5.2B | ||
| Q2 25 | $108.6M | $5.2B | ||
| Q1 25 | $113.2M | $5.1B | ||
| Q4 24 | $130.3M | $5.2B | ||
| Q3 24 | $136.6M | $5.3B | ||
| Q2 24 | $154.8M | $5.1B |
| Q1 26 | — | $6.4B | ||
| Q4 25 | $464.3M | $6.6B | ||
| Q3 25 | $457.4M | $6.6B | ||
| Q2 25 | $437.4M | $6.5B | ||
| Q1 25 | $462.8M | $6.5B | ||
| Q4 24 | $467.1M | $6.5B | ||
| Q3 24 | $506.7M | $6.7B | ||
| Q2 24 | $484.1M | $6.5B |
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 | $230.8M | ||
| Q3 25 | $3.9M | $215.4M | ||
| Q2 25 | $-11.0M | $183.0M | ||
| Q1 25 | $28.5M | $223.7M | ||
| Q4 24 | $-18.4M | $182.4M | ||
| Q3 24 | $5.6M | $182.9M | ||
| Q2 24 | $-19.6M | $169.2M |
| Q1 26 | — | — | ||
| Q4 25 | $767.0K | $230.2M | ||
| Q3 25 | $-1.7M | $215.1M | ||
| Q2 25 | $-13.1M | $183.0M | ||
| Q1 25 | $26.0M | $223.5M | ||
| Q4 24 | $-20.4M | $181.9M | ||
| Q3 24 | $1.7M | $182.5M | ||
| Q2 24 | $-21.2M | $169.0M |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 77.1% | ||
| Q3 25 | -0.9% | 70.6% | ||
| Q2 25 | -6.5% | 60.1% | ||
| Q1 25 | 12.3% | 73.0% | ||
| Q4 24 | -11.4% | 60.3% | ||
| Q3 24 | 0.9% | 59.5% | ||
| Q2 24 | -11.4% | 55.3% |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 0.2% | ||
| Q3 25 | 2.9% | 0.1% | ||
| Q2 25 | 1.0% | 0.0% | ||
| Q1 25 | 1.2% | 0.0% | ||
| Q4 24 | 1.1% | 0.2% | ||
| Q3 24 | 2.2% | 0.1% | ||
| Q2 24 | 0.9% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.36× | ||
| Q3 25 | 1.01× | 1.13× | ||
| Q2 25 | -12.59× | 0.95× | ||
| Q1 25 | — | 1.21× | ||
| Q4 24 | — | 0.99× | ||
| Q3 24 | — | 0.91× | ||
| Q2 24 | — | 0.83× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
