vs
Side-by-side financial comparison of Citi Trends Inc (CTRN) and Paymentus Holdings, Inc. (PAY). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $197.1M, roughly 1.7× Citi Trends Inc). Paymentus Holdings, Inc. runs the higher net margin — 6.3% vs -3.5%, a 9.8% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 10.1%). Paymentus Holdings, Inc. produced more free cash flow last quarter ($45.0M vs $767.0K). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Paymentus Holdings, Inc. is a leading cloud-based bill payment and customer engagement technology provider. It offers integrated digital payment solutions, billing automation tools, and self-service portals for enterprises across utilities, financial services, government, healthcare, and telecommunications segments, primarily operating in the North American market.
CTRN vs PAY — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $330.5M |
| Net Profit | $-6.9M | $20.7M |
| Gross Margin | — | 25.4% |
| Operating Margin | -3.7% | 7.3% |
| Net Margin | -3.5% | 6.3% |
| Revenue YoY | 10.1% | 28.1% |
| Net Profit YoY | 3.6% | 57.2% |
| EPS (diluted) | $-0.86 | $0.16 |
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 | $330.5M | ||
| Q3 25 | $190.8M | $310.7M | ||
| Q2 25 | $201.7M | $280.1M | ||
| Q1 25 | $211.2M | $275.2M | ||
| Q4 24 | $179.1M | $257.9M | ||
| Q3 24 | $176.6M | $231.6M | ||
| Q2 24 | $186.3M | $197.4M | ||
| Q1 24 | $215.2M | $184.9M |
| Q4 25 | $-6.9M | $20.7M | ||
| Q3 25 | $3.8M | $17.7M | ||
| Q2 25 | $871.0K | $14.7M | ||
| Q1 25 | $-14.2M | $13.8M | ||
| Q4 24 | $-7.2M | $13.1M | ||
| Q3 24 | $-18.4M | $14.4M | ||
| Q2 24 | $-3.4M | $9.4M | ||
| Q1 24 | $3.6M | $7.2M |
| Q4 25 | — | 25.4% | ||
| Q3 25 | — | 24.1% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 24.0% | ||
| Q4 24 | — | 25.6% | ||
| Q3 24 | — | 26.2% | ||
| Q2 24 | — | 29.8% | ||
| Q1 24 | — | 28.5% |
| Q4 25 | -3.7% | 7.3% | ||
| Q3 25 | 1.8% | 6.4% | ||
| Q2 25 | 0.2% | 5.7% | ||
| Q1 25 | 0.6% | 5.7% | ||
| Q4 24 | -4.9% | 5.5% | ||
| Q3 24 | -14.1% | 5.2% | ||
| Q2 24 | -3.7% | 5.2% | ||
| Q1 24 | 1.8% | 4.5% |
| Q4 25 | -3.5% | 6.3% | ||
| Q3 25 | 2.0% | 5.7% | ||
| Q2 25 | 0.4% | 5.3% | ||
| Q1 25 | -6.7% | 5.0% | ||
| Q4 24 | -4.0% | 5.1% | ||
| Q3 24 | -10.4% | 6.2% | ||
| Q2 24 | -1.8% | 4.7% | ||
| Q1 24 | 1.7% | 3.9% |
| Q4 25 | $-0.86 | $0.16 | ||
| Q3 25 | $0.46 | $0.14 | ||
| Q2 25 | $0.11 | $0.11 | ||
| Q1 25 | $-1.70 | $0.11 | ||
| Q4 24 | $-0.86 | $0.11 | ||
| Q3 24 | $-2.21 | $0.11 | ||
| Q2 24 | $-0.42 | $0.07 | ||
| Q1 24 | $0.43 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $320.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $560.4M |
| Total Assets | $464.3M | $667.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $320.9M | ||
| Q3 25 | — | $287.9M | ||
| Q2 25 | — | $266.4M | ||
| Q1 25 | — | $245.8M | ||
| Q4 24 | — | $205.9M | ||
| Q3 24 | — | $187.5M | ||
| Q2 24 | — | $188.8M | ||
| Q1 24 | — | $180.1M |
| Q4 25 | $107.8M | $560.4M | ||
| Q3 25 | $113.2M | $537.4M | ||
| Q2 25 | $108.6M | $516.7M | ||
| Q1 25 | $113.2M | $500.4M | ||
| Q4 24 | $130.3M | $485.6M | ||
| Q3 24 | $136.6M | $468.8M | ||
| Q2 24 | $154.8M | $451.6M | ||
| Q1 24 | $157.7M | $439.4M |
| Q4 25 | $464.3M | $667.9M | ||
| Q3 25 | $457.4M | $644.4M | ||
| Q2 25 | $437.4M | $609.5M | ||
| Q1 25 | $462.8M | $590.9M | ||
| Q4 24 | $467.1M | $576.2M | ||
| Q3 24 | $506.7M | $552.9M | ||
| Q2 24 | $484.1M | $527.7M | ||
| Q1 24 | $518.7M | $514.0M |
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 | $45.1M |
| Free Cash FlowOCF − Capex | $767.0K | $45.0M |
| FCF MarginFCF / Revenue | 0.4% | 13.6% |
| Capex IntensityCapex / Revenue | 4.0% | 0.0% |
| Cash ConversionOCF / Net Profit | — | 2.18× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $161.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $45.1M | ||
| Q3 25 | $3.9M | $35.1M | ||
| Q2 25 | $-11.0M | $31.5M | ||
| Q1 25 | $28.5M | $50.4M | ||
| Q4 24 | $-18.4M | $27.9M | ||
| Q3 24 | $5.6M | $6.7M | ||
| Q2 24 | $-19.6M | $18.0M | ||
| Q1 24 | $23.3M | $11.0M |
| Q4 25 | $767.0K | $45.0M | ||
| Q3 25 | $-1.7M | $35.0M | ||
| Q2 25 | $-13.1M | $31.4M | ||
| Q1 25 | $26.0M | $50.4M | ||
| Q4 24 | $-20.4M | $27.8M | ||
| Q3 24 | $1.7M | $6.7M | ||
| Q2 24 | $-21.2M | $17.8M | ||
| Q1 24 | $20.0M | $10.8M |
| Q4 25 | 0.4% | 13.6% | ||
| Q3 25 | -0.9% | 11.3% | ||
| Q2 25 | -6.5% | 11.2% | ||
| Q1 25 | 12.3% | 18.3% | ||
| Q4 24 | -11.4% | 10.8% | ||
| Q3 24 | 0.9% | 2.9% | ||
| Q2 24 | -11.4% | 9.0% | ||
| Q1 24 | 9.3% | 5.9% |
| Q4 25 | 4.0% | 0.0% | ||
| Q3 25 | 2.9% | 0.0% | ||
| Q2 25 | 1.0% | 0.0% | ||
| Q1 25 | 1.2% | 0.0% | ||
| Q4 24 | 1.1% | 0.0% | ||
| Q3 24 | 2.2% | 0.0% | ||
| Q2 24 | 0.9% | 0.1% | ||
| Q1 24 | 1.5% | 0.1% |
| Q4 25 | — | 2.18× | ||
| Q3 25 | 1.01× | 1.98× | ||
| Q2 25 | -12.59× | 2.14× | ||
| Q1 25 | — | 3.65× | ||
| Q4 24 | — | 2.12× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 1.93× | ||
| Q1 24 | 6.56× | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CTRN
Segment breakdown not available.
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
