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Side-by-side financial comparison of INSPERITY, INC. (NSP) and PRICESMART INC (PSMT). Click either name above to swap in a different company.
INSPERITY, INC. is the larger business by last-quarter revenue ($1.7B vs $1.4B, roughly 1.2× PRICESMART INC). On growth, PRICESMART INC posted the faster year-over-year revenue change (9.9% vs 3.4%). INSPERITY, INC. produced more free cash flow last quarter ($246.0M vs $32.6M). Over the past eight quarters, PRICESMART INC's revenue compounded faster (3.5% CAGR vs -3.8%).
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.
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.
NSP vs PSMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.7B | $1.4B |
| Net Profit | — | $40.2M |
| Gross Margin | 10.3% | 17.7% |
| Operating Margin | -2.8% | 4.6% |
| Net Margin | — | 2.9% |
| Revenue YoY | 3.4% | 9.9% |
| Net Profit YoY | — | 7.3% |
| EPS (diluted) | $-0.87 | $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 | $1.7B | $1.4B | ||
| Q3 25 | $1.6B | $1.3B | ||
| Q2 25 | $1.7B | $1.3B | ||
| Q1 25 | $1.9B | $1.4B | ||
| Q4 24 | $1.6B | $1.3B | ||
| Q3 24 | $1.6B | $1.2B | ||
| Q2 24 | $1.6B | $1.2B | ||
| Q1 24 | $1.8B | $1.3B |
| Q4 25 | — | $40.2M | ||
| Q3 25 | $-20.0M | $31.5M | ||
| Q2 25 | $-5.0M | $35.2M | ||
| Q1 25 | $51.0M | $43.8M | ||
| Q4 24 | — | $37.4M | ||
| Q3 24 | $3.0M | $29.1M | ||
| Q2 24 | $18.0M | $32.5M | ||
| Q1 24 | $79.0M | $39.3M |
| Q4 25 | 10.3% | 17.7% | ||
| Q3 25 | 12.0% | — | ||
| Q2 25 | 13.4% | — | ||
| Q1 25 | 16.6% | 17.1% | ||
| Q4 24 | 13.5% | 17.4% | ||
| Q3 24 | 14.7% | — | ||
| Q2 24 | 16.2% | — | ||
| Q1 24 | 19.1% | — |
| Q4 25 | -2.8% | 4.6% | ||
| Q3 25 | -1.5% | 4.0% | ||
| Q2 25 | -0.4% | 4.3% | ||
| Q1 25 | 3.7% | 4.8% | ||
| Q4 24 | -0.9% | 4.6% | ||
| Q3 24 | 0.1% | 4.0% | ||
| Q2 24 | 1.4% | 4.1% | ||
| Q1 24 | 6.0% | 4.9% |
| Q4 25 | — | 2.9% | ||
| Q3 25 | -1.2% | 2.4% | ||
| Q2 25 | -0.3% | 2.7% | ||
| Q1 25 | 2.7% | 3.2% | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | 0.2% | 2.4% | ||
| Q2 24 | 1.1% | 2.6% | ||
| Q1 24 | 4.4% | 3.0% |
| Q4 25 | $-0.87 | $1.29 | ||
| Q3 25 | $-0.53 | $1.02 | ||
| Q2 25 | $-0.14 | $1.14 | ||
| Q1 25 | $1.35 | $1.45 | ||
| Q4 24 | $-0.21 | $1.21 | ||
| Q3 24 | $0.07 | $0.94 | ||
| Q2 24 | $0.48 | $1.08 | ||
| Q1 24 | $2.08 | $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 | $682.0M | $320.6M |
| Total DebtLower is stronger | — | $180.3M |
| Stockholders' EquityBook value | $46.0M | $1.3B |
| Total Assets | $2.2B | $2.4B |
| Debt / EquityLower = less leverage | — | 0.14× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $682.0M | $320.6M | ||
| Q3 25 | $521.0M | $314.2M | ||
| Q2 25 | $511.0M | $262.4M | ||
| Q1 25 | $684.0M | $247.3M | ||
| Q4 24 | $1.2B | $222.2M | ||
| Q3 24 | $596.0M | $225.5M | ||
| Q2 24 | $850.0M | $228.2M | ||
| Q1 24 | $801.0M | $264.2M |
| Q4 25 | — | $180.3M | ||
| Q3 25 | — | $186.6M | ||
| Q2 25 | — | $103.1M | ||
| Q1 25 | — | $107.1M | ||
| Q4 24 | — | $115.6M | ||
| Q3 24 | — | $130.4M | ||
| Q2 24 | — | $135.1M | ||
| Q1 24 | — | $140.0M |
| Q4 25 | $46.0M | $1.3B | ||
| Q3 25 | $87.0M | $1.2B | ||
| Q2 25 | $112.0M | $1.2B | ||
| Q1 25 | $119.0M | $1.2B | ||
| Q4 24 | $97.0M | $1.2B | ||
| Q3 24 | $125.0M | $1.1B | ||
| Q2 24 | $142.0M | $1.1B | ||
| Q1 24 | $140.0M | $1.1B |
| Q4 25 | $2.2B | $2.4B | ||
| Q3 25 | $2.0B | $2.3B | ||
| Q2 25 | $2.0B | $2.1B | ||
| Q1 25 | $2.1B | $2.1B | ||
| Q4 24 | $2.6B | $2.1B | ||
| Q3 24 | $1.9B | $2.0B | ||
| Q2 24 | $2.1B | $2.0B | ||
| Q1 24 | $2.1B | $2.0B |
| Q4 25 | — | 0.14× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.08× | ||
| Q1 25 | — | 0.09× | ||
| Q4 24 | — | 0.10× | ||
| Q3 24 | — | 0.12× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 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 | $255.0M | $71.2M |
| Free Cash FlowOCF − Capex | $246.0M | $32.6M |
| FCF MarginFCF / Revenue | 14.7% | 2.4% |
| Capex IntensityCapex / Revenue | 0.5% | 2.8% |
| Cash ConversionOCF / Net Profit | — | 1.77× |
| TTM Free Cash FlowTrailing 4 quarters | $-309.0M | $125.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $255.0M | $71.2M | ||
| Q3 25 | $-11.0M | $82.1M | ||
| Q2 25 | $-79.0M | $52.8M | ||
| Q1 25 | $-443.0M | $87.9M | ||
| Q4 24 | $619.0M | $38.5M | ||
| Q3 24 | $-150.0M | $41.8M | ||
| Q2 24 | $20.0M | $38.1M | ||
| Q1 24 | $31.0M | $86.6M |
| Q4 25 | $246.0M | $32.6M | ||
| Q3 25 | $-20.0M | $25.6M | ||
| Q2 25 | $-86.0M | $14.0M | ||
| Q1 25 | $-449.0M | $53.2M | ||
| Q4 24 | $606.0M | $10.3M | ||
| Q3 24 | $-164.0M | $15.2M | ||
| Q2 24 | $14.0M | $-308.0K | ||
| Q1 24 | $26.0M | $16.4M |
| Q4 25 | 14.7% | 2.4% | ||
| Q3 25 | -1.2% | 1.9% | ||
| Q2 25 | -5.2% | 1.1% | ||
| Q1 25 | -24.1% | 3.9% | ||
| Q4 24 | 37.6% | 0.8% | ||
| Q3 24 | -10.5% | 1.2% | ||
| Q2 24 | 0.9% | -0.0% | ||
| Q1 24 | 1.4% | 1.3% |
| Q4 25 | 0.5% | 2.8% | ||
| Q3 25 | 0.6% | 4.2% | ||
| Q2 25 | 0.4% | 2.9% | ||
| Q1 25 | 0.3% | 2.5% | ||
| Q4 24 | 0.8% | 2.2% | ||
| Q3 24 | 0.9% | 2.2% | ||
| Q2 24 | 0.4% | 3.1% | ||
| Q1 24 | 0.3% | 5.4% |
| Q4 25 | — | 1.77× | ||
| Q3 25 | — | 2.60× | ||
| Q2 25 | — | 1.50× | ||
| Q1 25 | -8.69× | 2.01× | ||
| Q4 24 | — | 1.03× | ||
| Q3 24 | -50.00× | 1.44× | ||
| Q2 24 | 1.11× | 1.17× | ||
| Q1 24 | 0.39× | 2.20× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
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% |
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% |
