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Side-by-side financial comparison of Chewy, Inc. (CHWY) and INSPERITY, INC. (NSP). Click either name above to swap in a different company.
Chewy, Inc. is the larger business by last-quarter revenue ($3.1B vs $1.7B, roughly 1.9× INSPERITY, INC.). On growth, Chewy, Inc. posted the faster year-over-year revenue change (8.3% vs 3.4%). INSPERITY, INC. produced more free cash flow last quarter ($246.0M vs $175.8M). Over the past eight quarters, Chewy, Inc.'s revenue compounded faster (4.6% CAGR vs -3.8%).
Chewy, Inc. is an American online retailer of pet food and other pet-related products based in Plantation, Florida. Chewy went public in 2019 with the ticker symbol CHWY on the New York Stock Exchange.
Insperity, Inc., previously known as Administaff, Inc., is a professional employer organization (PEO) headquartered in Kingwood, an area of Houston, Texas, USA. Insperity provides human resources and administrative services to small and medium-sized businesses. Since 2004, the company has been title sponsor of a professional golf tournament on the Champions Tour, previously known as the Administaff Small Business Classic.
CHWY vs NSP — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $3.1B | $1.7B |
| Net Profit | $59.2M | — |
| Gross Margin | 29.8% | 10.3% |
| Operating Margin | 2.1% | -2.8% |
| Net Margin | 1.9% | — |
| Revenue YoY | 8.3% | 3.4% |
| Net Profit YoY | 1405.6% | — |
| EPS (diluted) | $0.14 | $-0.87 |
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 | $3.1B | $1.7B | ||
| Q3 25 | $3.1B | $1.6B | ||
| Q2 25 | $3.1B | $1.7B | ||
| Q1 25 | $3.2B | $1.9B | ||
| Q4 24 | $2.9B | $1.6B | ||
| Q3 24 | $2.9B | $1.6B | ||
| Q2 24 | $2.9B | $1.6B | ||
| Q1 24 | $2.8B | $1.8B |
| Q4 25 | $59.2M | — | ||
| Q3 25 | $62.0M | $-20.0M | ||
| Q2 25 | $62.4M | $-5.0M | ||
| Q1 25 | $22.8M | $51.0M | ||
| Q4 24 | $3.9M | — | ||
| Q3 24 | $299.1M | $3.0M | ||
| Q2 24 | $66.9M | $18.0M | ||
| Q1 24 | $34.3M | $79.0M |
| Q4 25 | 29.8% | 10.3% | ||
| Q3 25 | 30.4% | 12.0% | ||
| Q2 25 | 29.6% | 13.4% | ||
| Q1 25 | 28.5% | 16.6% | ||
| Q4 24 | 29.3% | 13.5% | ||
| Q3 24 | 29.5% | 14.7% | ||
| Q2 24 | 29.7% | 16.2% | ||
| Q1 24 | 28.2% | 19.1% |
| Q4 25 | 2.1% | -2.8% | ||
| Q3 25 | 2.2% | -1.5% | ||
| Q2 25 | 2.5% | -0.4% | ||
| Q1 25 | -0.3% | 3.7% | ||
| Q4 24 | 0.9% | -0.9% | ||
| Q3 24 | 1.1% | 0.1% | ||
| Q2 24 | 2.2% | 1.4% | ||
| Q1 24 | -0.7% | 6.0% |
| Q4 25 | 1.9% | — | ||
| Q3 25 | 2.0% | -1.2% | ||
| Q2 25 | 2.0% | -0.3% | ||
| Q1 25 | 0.7% | 2.7% | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 10.5% | 0.2% | ||
| Q2 24 | 2.3% | 1.1% | ||
| Q1 24 | 1.2% | 4.4% |
| Q4 25 | $0.14 | $-0.87 | ||
| Q3 25 | $0.14 | $-0.53 | ||
| Q2 25 | $0.15 | $-0.14 | ||
| Q1 25 | $0.07 | $1.35 | ||
| Q4 24 | $0.01 | $-0.21 | ||
| Q3 24 | $0.68 | $0.07 | ||
| Q2 24 | $0.15 | $0.48 | ||
| Q1 24 | $0.08 | $2.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $701.5M | $682.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $469.4M | $46.0M |
| Total Assets | $3.3B | $2.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $701.5M | $682.0M | ||
| Q3 25 | $591.8M | $521.0M | ||
| Q2 25 | $616.4M | $511.0M | ||
| Q1 25 | $596.7M | $684.0M | ||
| Q4 24 | $507.5M | $1.2B | ||
| Q3 24 | $695.0M | $596.0M | ||
| Q2 24 | $1.1B | $850.0M | ||
| Q1 24 | $1.1B | $801.0M |
| Q4 25 | $469.4M | $46.0M | ||
| Q3 25 | $389.9M | $87.0M | ||
| Q2 25 | $375.6M | $112.0M | ||
| Q1 25 | $261.5M | $119.0M | ||
| Q4 24 | $223.4M | $97.0M | ||
| Q3 24 | $486.7M | $125.0M | ||
| Q2 24 | $642.9M | $142.0M | ||
| Q1 24 | $510.2M | $140.0M |
| Q4 25 | $3.3B | $2.2B | ||
| Q3 25 | $3.1B | $2.0B | ||
| Q2 25 | $3.1B | $2.0B | ||
| Q1 25 | $3.0B | $2.1B | ||
| Q4 24 | $3.0B | $2.6B | ||
| Q3 24 | $3.1B | $1.9B | ||
| Q2 24 | $3.2B | $2.1B | ||
| Q1 24 | $3.2B | $2.1B |
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 | $207.9M | $255.0M |
| Free Cash FlowOCF − Capex | $175.8M | $246.0M |
| FCF MarginFCF / Revenue | 5.6% | 14.7% |
| Capex IntensityCapex / Revenue | 1.0% | 0.5% |
| Cash ConversionOCF / Net Profit | 3.51× | — |
| TTM Free Cash FlowTrailing 4 quarters | $487.0M | $-309.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $207.9M | $255.0M | ||
| Q3 25 | $133.9M | $-11.0M | ||
| Q2 25 | $86.4M | $-79.0M | ||
| Q1 25 | $207.5M | $-443.0M | ||
| Q4 24 | $183.5M | $619.0M | ||
| Q3 24 | $123.4M | $-150.0M | ||
| Q2 24 | $81.9M | $20.0M | ||
| Q1 24 | $98.9M | $31.0M |
| Q4 25 | $175.8M | $246.0M | ||
| Q3 25 | $105.9M | $-20.0M | ||
| Q2 25 | $48.7M | $-86.0M | ||
| Q1 25 | $156.6M | $-449.0M | ||
| Q4 24 | $151.8M | $606.0M | ||
| Q3 24 | $91.5M | $-164.0M | ||
| Q2 24 | $52.6M | $14.0M | ||
| Q1 24 | $66.5M | $26.0M |
| Q4 25 | 5.6% | 14.7% | ||
| Q3 25 | 3.4% | -1.2% | ||
| Q2 25 | 1.6% | -5.2% | ||
| Q1 25 | 4.8% | -24.1% | ||
| Q4 24 | 5.3% | 37.6% | ||
| Q3 24 | 3.2% | -10.5% | ||
| Q2 24 | 1.8% | 0.9% | ||
| Q1 24 | 2.3% | 1.4% |
| Q4 25 | 1.0% | 0.5% | ||
| Q3 25 | 0.9% | 0.6% | ||
| Q2 25 | 1.2% | 0.4% | ||
| Q1 25 | 1.6% | 0.3% | ||
| Q4 24 | 1.1% | 0.8% | ||
| Q3 24 | 1.1% | 0.9% | ||
| Q2 24 | 1.0% | 0.4% | ||
| Q1 24 | 1.1% | 0.3% |
| Q4 25 | 3.51× | — | ||
| Q3 25 | 2.16× | — | ||
| Q2 25 | 1.38× | — | ||
| Q1 25 | 9.10× | -8.69× | ||
| Q4 24 | 46.66× | — | ||
| Q3 24 | 0.41× | -50.00× | ||
| Q2 24 | 1.22× | 1.11× | ||
| Q1 24 | 2.89× | 0.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CHWY
Segment breakdown not available.
NSP
| Northeast | $455.0M | 27% |
| West | $339.0M | 20% |
| Southwest | $317.0M | 19% |
| Central | $299.0M | 18% |
| Southeast | $241.0M | 14% |
| Other Revenues | $17.0M | 1% |
