vs
Side-by-side financial comparison of Citi Trends Inc (CTRN) and Skyward Specialty Insurance Group, Inc. (SKWD). Click either name above to swap in a different company.
Skyward Specialty Insurance Group, Inc. is the larger business by last-quarter revenue ($385.6M vs $197.1M, roughly 2.0× Citi Trends Inc). Skyward Specialty Insurance Group, Inc. runs the higher net margin — 11.2% vs -3.5%, a 14.7% gap on every dollar of revenue. On growth, Skyward Specialty Insurance Group, Inc. posted the faster year-over-year revenue change (26.7% vs 10.1%). Skyward Specialty Insurance Group, Inc. produced more free cash flow last quarter ($402.6M vs $767.0K). Over the past eight quarters, Skyward Specialty Insurance Group, Inc.'s revenue compounded faster (20.6% CAGR vs -4.3%).
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
Skyward Specialty Insurance Group, Inc. is a specialty property and casualty insurance provider offering tailored coverage solutions including commercial auto, general liability, professional indemnity, and specialty property policies. It primarily serves small-to-medium enterprises and niche industry segments across the United States, focusing on underwriting complex, hard-to-place risks for underserved client groups.
CTRN vs SKWD — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.1M | $385.6M |
| Net Profit | $-6.9M | $43.2M |
| Gross Margin | — | — |
| Operating Margin | -3.7% | 14.2% |
| Net Margin | -3.5% | 11.2% |
| Revenue YoY | 10.1% | 26.7% |
| Net Profit YoY | 3.6% | 200.1% |
| EPS (diluted) | $-0.86 | $1.03 |
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 | $385.6M | ||
| Q3 25 | $190.8M | $382.5M | ||
| Q2 25 | $201.7M | $319.9M | ||
| Q1 25 | $211.2M | $328.5M | ||
| Q4 24 | $179.1M | $304.4M | ||
| Q3 24 | $176.6M | $300.9M | ||
| Q2 24 | $186.3M | $279.9M | ||
| Q1 24 | $215.2M | $265.0M |
| Q4 25 | $-6.9M | $43.2M | ||
| Q3 25 | $3.8M | $45.9M | ||
| Q2 25 | $871.0K | $38.8M | ||
| Q1 25 | $-14.2M | $42.1M | ||
| Q4 24 | $-7.2M | $14.4M | ||
| Q3 24 | $-18.4M | $36.7M | ||
| Q2 24 | $-3.4M | $31.0M | ||
| Q1 24 | $3.6M | $36.8M |
| Q4 25 | -3.7% | 14.2% | ||
| Q3 25 | 1.8% | 15.8% | ||
| Q2 25 | 0.2% | 15.6% | ||
| Q1 25 | 0.6% | 15.7% | ||
| Q4 24 | -4.9% | 6.1% | ||
| Q3 24 | -14.1% | 15.6% | ||
| Q2 24 | -3.7% | 14.4% | ||
| Q1 24 | 1.8% | 17.7% |
| Q4 25 | -3.5% | 11.2% | ||
| Q3 25 | 2.0% | 12.0% | ||
| Q2 25 | 0.4% | 12.1% | ||
| Q1 25 | -6.7% | 12.8% | ||
| Q4 24 | -4.0% | 4.7% | ||
| Q3 24 | -10.4% | 12.2% | ||
| Q2 24 | -1.8% | 11.1% | ||
| Q1 24 | 1.7% | 13.9% |
| Q4 25 | $-0.86 | $1.03 | ||
| Q3 25 | $0.46 | $1.10 | ||
| Q2 25 | $0.11 | $0.93 | ||
| Q1 25 | $-1.70 | $1.01 | ||
| Q4 24 | $-0.86 | $0.33 | ||
| Q3 24 | $-2.21 | $0.89 | ||
| Q2 24 | $-0.42 | $0.75 | ||
| Q1 24 | $0.43 | $0.90 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $168.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $107.8M | $1.0B |
| Total Assets | $464.3M | $4.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $168.5M | ||
| Q3 25 | — | $160.1M | ||
| Q2 25 | — | $136.6M | ||
| Q1 25 | — | $112.9M | ||
| Q4 24 | — | $121.6M | ||
| Q3 24 | — | $105.6M | ||
| Q2 24 | — | $73.0M | ||
| Q1 24 | — | $85.1M |
| Q4 25 | $107.8M | $1.0B | ||
| Q3 25 | $113.2M | $961.4M | ||
| Q2 25 | $108.6M | $899.9M | ||
| Q1 25 | $113.2M | $850.7M | ||
| Q4 24 | $130.3M | $794.0M | ||
| Q3 24 | $136.6M | $797.5M | ||
| Q2 24 | $154.8M | $723.6M | ||
| Q1 24 | $157.7M | $692.3M |
| Q4 25 | $464.3M | $4.8B | ||
| Q3 25 | $457.4M | $4.6B | ||
| Q2 25 | $437.4M | $4.3B | ||
| Q1 25 | $462.8M | $4.0B | ||
| Q4 24 | $467.1M | $3.7B | ||
| Q3 24 | $506.7M | $3.6B | ||
| Q2 24 | $484.1M | $3.4B | ||
| Q1 24 | $518.7M | $3.2B |
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 | $408.1M |
| Free Cash FlowOCF − Capex | $767.0K | $402.6M |
| FCF MarginFCF / Revenue | 0.4% | 104.4% |
| Capex IntensityCapex / Revenue | 4.0% | 1.4% |
| Cash ConversionOCF / Net Profit | — | 9.44× |
| TTM Free Cash FlowTrailing 4 quarters | $11.9M | $755.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.6M | $408.1M | ||
| Q3 25 | $3.9M | $171.4M | ||
| Q2 25 | $-11.0M | $88.2M | ||
| Q1 25 | $28.5M | $96.8M | ||
| Q4 24 | $-18.4M | $305.1M | ||
| Q3 24 | $5.6M | $168.0M | ||
| Q2 24 | $-19.6M | $21.0M | ||
| Q1 24 | $23.3M | $94.3M |
| Q4 25 | $767.0K | $402.6M | ||
| Q3 25 | $-1.7M | $168.9M | ||
| Q2 25 | $-13.1M | $87.1M | ||
| Q1 25 | $26.0M | $96.6M | ||
| Q4 24 | $-20.4M | $300.9M | ||
| Q3 24 | $1.7M | $167.6M | ||
| Q2 24 | $-21.2M | $18.4M | ||
| Q1 24 | $20.0M | $94.0M |
| Q4 25 | 0.4% | 104.4% | ||
| Q3 25 | -0.9% | 44.2% | ||
| Q2 25 | -6.5% | 27.2% | ||
| Q1 25 | 12.3% | 29.4% | ||
| Q4 24 | -11.4% | 98.8% | ||
| Q3 24 | 0.9% | 55.7% | ||
| Q2 24 | -11.4% | 6.6% | ||
| Q1 24 | 9.3% | 35.5% |
| Q4 25 | 4.0% | 1.4% | ||
| Q3 25 | 2.9% | 0.6% | ||
| Q2 25 | 1.0% | 0.3% | ||
| Q1 25 | 1.2% | 0.1% | ||
| Q4 24 | 1.1% | 1.4% | ||
| Q3 24 | 2.2% | 0.1% | ||
| Q2 24 | 0.9% | 0.9% | ||
| Q1 24 | 1.5% | 0.1% |
| Q4 25 | — | 9.44× | ||
| Q3 25 | 1.01× | 3.73× | ||
| Q2 25 | -12.59× | 2.27× | ||
| Q1 25 | — | 2.30× | ||
| Q4 24 | — | 21.18× | ||
| Q3 24 | — | 4.58× | ||
| Q2 24 | — | 0.68× | ||
| Q1 24 | 6.56× | 2.56× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
