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Side-by-side financial comparison of KEMPER Corp (KMPR) and PRICESMART INC (PSMT). Click either name above to swap in a different company.
PRICESMART INC is the larger business by last-quarter revenue ($1.4B vs $1.1B, roughly 1.2× KEMPER Corp). PRICESMART INC runs the higher net margin — 2.9% vs -0.7%, a 3.6% gap on every dollar of revenue. On growth, PRICESMART INC posted the faster year-over-year revenue change (9.9% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $32.6M). Over the past eight quarters, PRICESMART INC's revenue compounded faster (3.5% CAGR vs -0.5%).
Kemper Corporation is an American insurance provider with corporate headquarters located in Chicago, Illinois. With nearly $13 billion in assets, the Kemper family of companies provides insurance to individuals, families, and businesses.
PRICESMART INCPSMTEarnings & Financial Report
PriceSmart, Inc. is a United States based operator of membership warehouse clubs in Central America, the Caribbean, and South America. PriceSmart was founded by Sol and Robert Price, founders of Price Club; Robert Price is chairman of the board.
KMPR vs PSMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.4B |
| Net Profit | $-8.0M | $40.2M |
| Gross Margin | — | 17.7% |
| Operating Margin | — | 4.6% |
| Net Margin | -0.7% | 2.9% |
| Revenue YoY | -4.7% | 9.9% |
| Net Profit YoY | -108.2% | 7.3% |
| EPS (diluted) | $-0.03 | $1.29 |
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 | $1.4B | ||
| Q3 25 | $1.2B | $1.3B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.1B | $1.3B |
| Q4 25 | $-8.0M | $40.2M | ||
| Q3 25 | $-21.0M | $31.5M | ||
| Q2 25 | $72.6M | $35.2M | ||
| Q1 25 | $99.7M | $43.8M | ||
| Q4 24 | $97.4M | $37.4M | ||
| Q3 24 | $73.7M | $29.1M | ||
| Q2 24 | $75.4M | $32.5M | ||
| Q1 24 | $71.3M | $39.3M |
| Q4 25 | — | 17.7% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 17.1% | ||
| Q4 24 | — | 17.4% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 4.6% | ||
| Q3 25 | — | 4.0% | ||
| Q2 25 | — | 4.3% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | 11.2% | 4.0% | ||
| Q2 24 | 10.1% | 4.1% | ||
| Q1 24 | 7.6% | 4.9% |
| Q4 25 | -0.7% | 2.9% | ||
| Q3 25 | -1.7% | 2.4% | ||
| Q2 25 | 5.9% | 2.7% | ||
| Q1 25 | 8.4% | 3.2% | ||
| Q4 24 | 8.2% | 3.0% | ||
| Q3 24 | 6.3% | 2.4% | ||
| Q2 24 | 6.7% | 2.6% | ||
| Q1 24 | 6.2% | 3.0% |
| Q4 25 | $-0.03 | $1.29 | ||
| Q3 25 | $-0.34 | $1.02 | ||
| Q2 25 | $1.12 | $1.14 | ||
| Q1 25 | $1.54 | $1.45 | ||
| Q4 24 | $1.51 | $1.21 | ||
| Q3 24 | $1.14 | $0.94 | ||
| Q2 24 | $1.16 | $1.08 | ||
| Q1 24 | $1.10 | $1.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $320.6M |
| Total DebtLower is stronger | $943.5M | $180.3M |
| Stockholders' EquityBook value | $2.7B | $1.3B |
| Total Assets | $12.5B | $2.4B |
| Debt / EquityLower = less leverage | 0.35× | 0.14× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $320.6M | ||
| Q3 25 | $371.2M | $314.2M | ||
| Q2 25 | $407.6M | $262.4M | ||
| Q1 25 | $545.3M | $247.3M | ||
| Q4 24 | $1.0B | $222.2M | ||
| Q3 24 | $696.9M | $225.5M | ||
| Q2 24 | $539.1M | $228.2M | ||
| Q1 24 | $520.7M | $264.2M |
| Q4 25 | $943.5M | $180.3M | ||
| Q3 25 | $943.1M | $186.6M | ||
| Q2 25 | $942.6M | $103.1M | ||
| Q1 25 | $942.1M | $107.1M | ||
| Q4 24 | $1.4B | $115.6M | ||
| Q3 24 | $1.4B | $130.4M | ||
| Q2 24 | $1.4B | $135.1M | ||
| Q1 24 | $1.4B | $140.0M |
| Q4 25 | $2.7B | $1.3B | ||
| Q3 25 | $2.7B | $1.2B | ||
| Q2 25 | $370.0M | $1.2B | ||
| Q1 25 | $366.0M | $1.2B | ||
| Q4 24 | $2.8B | $1.2B | ||
| Q3 24 | $2.8B | $1.1B | ||
| Q2 24 | $358.0M | $1.1B | ||
| Q1 24 | $2.6B | $1.1B |
| Q4 25 | $12.5B | $2.4B | ||
| Q3 25 | $12.4B | $2.3B | ||
| Q2 25 | $12.6B | $2.1B | ||
| Q1 25 | $12.5B | $2.1B | ||
| Q4 24 | $12.6B | $2.1B | ||
| Q3 24 | $12.6B | $2.0B | ||
| Q2 24 | $12.6B | $2.0B | ||
| Q1 24 | $12.6B | $2.0B |
| Q4 25 | 0.35× | 0.14× | ||
| Q3 25 | 0.35× | 0.15× | ||
| Q2 25 | 2.55× | 0.08× | ||
| Q1 25 | 2.57× | 0.09× | ||
| Q4 24 | 0.50× | 0.10× | ||
| Q3 24 | 0.50× | 0.12× | ||
| Q2 24 | 3.88× | 0.12× | ||
| Q1 24 | 0.54× | 0.13× |
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 | $175.0M | $71.2M |
| Free Cash FlowOCF − Capex | $166.2M | $32.6M |
| FCF MarginFCF / Revenue | 14.7% | 2.4% |
| Capex IntensityCapex / Revenue | 0.8% | 2.8% |
| Cash ConversionOCF / Net Profit | — | 1.77× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $125.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $71.2M | ||
| Q3 25 | $139.9M | $82.1M | ||
| Q2 25 | $89.6M | $52.8M | ||
| Q1 25 | $180.0M | $87.9M | ||
| Q4 24 | $175.1M | $38.5M | ||
| Q3 24 | $141.9M | $41.8M | ||
| Q2 24 | $22.9M | $38.1M | ||
| Q1 24 | $43.0M | $86.6M |
| Q4 25 | $166.2M | $32.6M | ||
| Q3 25 | $133.4M | $25.6M | ||
| Q2 25 | $82.0M | $14.0M | ||
| Q1 25 | $172.3M | $53.2M | ||
| Q4 24 | $165.4M | $10.3M | ||
| Q3 24 | $131.4M | $15.2M | ||
| Q2 24 | $5.2M | $-308.0K | ||
| Q1 24 | $27.7M | $16.4M |
| Q4 25 | 14.7% | 2.4% | ||
| Q3 25 | 10.8% | 1.9% | ||
| Q2 25 | 6.7% | 1.1% | ||
| Q1 25 | 14.4% | 3.9% | ||
| Q4 24 | 13.9% | 0.8% | ||
| Q3 24 | 11.1% | 1.2% | ||
| Q2 24 | 0.5% | -0.0% | ||
| Q1 24 | 2.4% | 1.3% |
| Q4 25 | 0.8% | 2.8% | ||
| Q3 25 | 0.5% | 4.2% | ||
| Q2 25 | 0.6% | 2.9% | ||
| Q1 25 | 0.6% | 2.5% | ||
| Q4 24 | 0.8% | 2.2% | ||
| Q3 24 | 0.9% | 2.2% | ||
| Q2 24 | 1.6% | 3.1% | ||
| Q1 24 | 1.3% | 5.4% |
| Q4 25 | — | 1.77× | ||
| Q3 25 | — | 2.60× | ||
| Q2 25 | 1.23× | 1.50× | ||
| Q1 25 | 1.81× | 2.01× | ||
| Q4 24 | 1.80× | 1.03× | ||
| Q3 24 | 1.93× | 1.44× | ||
| Q2 24 | 0.30× | 1.17× | ||
| Q1 24 | 0.60× | 2.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
PSMT
| Fresh Foods | $454.9M | 33% |
| Caribbean Operations Segment | $396.5M | 29% |
| Colombia Operations Segment | $204.1M | 15% |
| Hardlines | $162.6M | 12% |
| Softlines | $99.8M | 7% |
| ship Income Member | $24.5M | 2% |
| Health Services | $14.5M | 1% |
| Other Revenue And Income | $4.2M | 0% |
| United States Operations Segment | $510.0K | 0% |
| Export Sales | $359.0K | 0% |
