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Side-by-side financial comparison of M/I HOMES, INC. (MHO) and Primerica, Inc. (PRI). Click either name above to swap in a different company.
M/I HOMES, INC. is the larger business by last-quarter revenue ($1.1B vs $853.7M, roughly 1.3× Primerica, Inc.). Primerica, Inc. runs the higher net margin — 23.1% vs 5.6%, a 17.5% gap on every dollar of revenue. On growth, Primerica, Inc. posted the faster year-over-year revenue change (11.0% vs -4.8%). Over the past eight quarters, Primerica, Inc.'s revenue compounded faster (7.2% CAGR vs 4.7%).
M/I Homes, Inc. is a leading U.S. residential construction company that designs, builds and sells single-family homes, townhomes and duplexes across multiple U.S. states. It caters to entry-level, move-up and luxury homebuyers, offering energy-efficient designs, flexible floor plans and personalized customization options.
Primerica, Inc. is a multi-level marketing company that provides insurance, investment and financial services to middle-income families in the United States and Canada.
MHO vs PRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $853.7M |
| Net Profit | $64.0M | $197.0M |
| Gross Margin | 17.4% | — |
| Operating Margin | 6.5% | 28.9% |
| Net Margin | 5.6% | 23.1% |
| Revenue YoY | -4.8% | 11.0% |
| Net Profit YoY | -52.1% | 17.9% |
| EPS (diluted) | $2.42 | $6.11 |
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 | $1.1B | $853.7M | ||
| Q3 25 | $1.1B | $839.9M | ||
| Q2 25 | $1.2B | $793.3M | ||
| Q1 25 | $976.1M | $804.8M | ||
| Q4 24 | $1.2B | $768.8M | ||
| Q3 24 | $1.1B | $774.1M | ||
| Q2 24 | $1.1B | $803.4M | ||
| Q1 24 | $1.0B | $742.8M |
| Q4 25 | $64.0M | $197.0M | ||
| Q3 25 | $106.5M | $206.8M | ||
| Q2 25 | $121.2M | $178.3M | ||
| Q1 25 | $111.2M | $169.1M | ||
| Q4 24 | $133.5M | $167.1M | ||
| Q3 24 | $145.4M | $164.4M | ||
| Q2 24 | $146.7M | $1.2M | ||
| Q1 24 | $138.1M | $137.9M |
| Q4 25 | 17.4% | — | ||
| Q3 25 | 24.5% | — | ||
| Q2 25 | 24.7% | — | ||
| Q1 25 | 25.9% | — | ||
| Q4 24 | 24.6% | — | ||
| Q3 24 | 27.1% | — | ||
| Q2 24 | 27.9% | 98.0% | ||
| Q1 24 | 27.1% | 98.2% |
| Q4 25 | 6.5% | 28.9% | ||
| Q3 25 | 12.0% | 32.3% | ||
| Q2 25 | 13.4% | 29.6% | ||
| Q1 25 | 14.4% | 27.5% | ||
| Q4 24 | 13.6% | 64.7% | ||
| Q3 24 | 15.9% | 32.9% | ||
| Q2 24 | 16.8% | 1.0% | ||
| Q1 24 | 16.6% | 24.1% |
| Q4 25 | 5.6% | 23.1% | ||
| Q3 25 | 9.4% | 24.6% | ||
| Q2 25 | 10.4% | 22.5% | ||
| Q1 25 | 11.4% | 21.0% | ||
| Q4 24 | 11.1% | 21.7% | ||
| Q3 24 | 12.7% | 21.2% | ||
| Q2 24 | 13.2% | 0.1% | ||
| Q1 24 | 13.2% | 18.6% |
| Q4 25 | $2.42 | $6.11 | ||
| Q3 25 | $3.92 | $6.35 | ||
| Q2 25 | $4.42 | $5.40 | ||
| Q1 25 | $3.98 | $5.05 | ||
| Q4 24 | $4.71 | $4.92 | ||
| Q3 24 | $5.10 | $4.83 | ||
| Q2 24 | $5.12 | $0.03 | ||
| Q1 24 | $4.78 | $3.93 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $756.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $3.2B | $2.4B |
| Total Assets | $4.8B | $15.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $756.2M | ||
| Q3 25 | — | $644.9M | ||
| Q2 25 | — | $621.2M | ||
| Q1 25 | — | $625.1M | ||
| Q4 24 | — | $687.8M | ||
| Q3 24 | — | $550.1M | ||
| Q2 24 | — | $627.3M | ||
| Q1 24 | — | $593.4M |
| Q4 25 | $3.2B | $2.4B | ||
| Q3 25 | $3.1B | $2.3B | ||
| Q2 25 | $3.1B | $2.3B | ||
| Q1 25 | $3.0B | $2.3B | ||
| Q4 24 | $2.9B | $2.3B | ||
| Q3 24 | $2.8B | $1.9B | ||
| Q2 24 | $2.7B | $2.1B | ||
| Q1 24 | $2.6B | $2.2B |
| Q4 25 | $4.8B | $15.0B | ||
| Q3 25 | $4.8B | $14.8B | ||
| Q2 25 | $4.7B | $14.8B | ||
| Q1 25 | $4.6B | $14.6B | ||
| Q4 24 | $4.5B | $14.6B | ||
| Q3 24 | $4.5B | $14.8B | ||
| Q2 24 | $4.3B | $14.6B | ||
| Q1 24 | $4.2B | $14.9B |
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 | $-8.7M | $338.2M |
| Free Cash FlowOCF − Capex | $-13.0M | — |
| FCF MarginFCF / Revenue | -1.1% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | -0.14× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | $127.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-8.7M | $338.2M | ||
| Q3 25 | $43.4M | $202.9M | ||
| Q2 25 | $37.8M | $162.6M | ||
| Q1 25 | $64.9M | $197.5M | ||
| Q4 24 | $104.4M | $270.6M | ||
| Q3 24 | $-67.9M | $207.3M | ||
| Q2 24 | $27.5M | $173.3M | ||
| Q1 24 | $115.8M | $210.9M |
| Q4 25 | $-13.0M | — | ||
| Q3 25 | $42.0M | — | ||
| Q2 25 | $35.1M | — | ||
| Q1 25 | $63.5M | — | ||
| Q4 24 | $102.3M | — | ||
| Q3 24 | $-68.5M | — | ||
| Q2 24 | $22.0M | — | ||
| Q1 24 | $115.5M | — |
| Q4 25 | -1.1% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 6.5% | — | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | -6.0% | — | ||
| Q2 24 | 2.0% | — | ||
| Q1 24 | 11.0% | — |
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 0.0% | — |
| Q4 25 | -0.14× | 1.72× | ||
| Q3 25 | 0.41× | 0.98× | ||
| Q2 25 | 0.31× | 0.91× | ||
| Q1 25 | 0.58× | 1.17× | ||
| Q4 24 | 0.78× | 1.62× | ||
| Q3 24 | -0.47× | 1.26× | ||
| Q2 24 | 0.19× | 147.98× | ||
| Q1 24 | 0.84× | 1.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MHO
| Southern Homebuilding | $615.6M | 54% |
| Northern Homebuilding | $503.9M | 44% |
| Financial Service | $27.8M | 2% |
| Land | $4.7M | 0% |
PRI
| Revenues From Sources Other Than Contracts With Customers | $445.9M | 52% |
| Investment And Savings Products Segment Revenues | $340.3M | 40% |
| Other | $56.5M | 7% |
| Segment Revenues From Contracts With Customers | $11.0M | 1% |
