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Side-by-side financial comparison of PRICESMART INC (PSMT) and HANOVER INSURANCE GROUP, INC. (THG). Click either name above to swap in a different company.
HANOVER INSURANCE GROUP, INC. is the larger business by last-quarter revenue ($1.7B vs $1.4B, roughly 1.2× PRICESMART INC). HANOVER INSURANCE GROUP, INC. runs the higher net margin — 11.9% vs 2.9%, a 9.0% gap on every dollar of revenue. On growth, PRICESMART INC posted the faster year-over-year revenue change (9.9% vs 5.5%). HANOVER INSURANCE GROUP, INC. produced more free cash flow last quarter ($377.0M vs $32.6M). Over the past eight quarters, HANOVER INSURANCE GROUP, INC.'s revenue compounded faster (3.8% CAGR vs 3.5%).
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.
The Hanover Insurance Group, Inc. is an insurance company based in Worcester, Massachusetts. It was the original name of a property-liability insurance firm established in 1852, and it remained a publicly traded company under that name until the early 1990s, when it changed its name to Allmerica Property & Casualty Companies.
PSMT vs THG — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $1.7B |
| Net Profit | $40.2M | $198.5M |
| Gross Margin | 17.7% | — |
| Operating Margin | 4.6% | 17.3% |
| Net Margin | 2.9% | 11.9% |
| Revenue YoY | 9.9% | 5.5% |
| Net Profit YoY | 7.3% | 18.2% |
| EPS (diluted) | $1.29 | $5.46 |
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 | $1.4B | $1.7B | ||
| Q3 25 | $1.3B | $1.7B | ||
| Q2 25 | $1.3B | $1.7B | ||
| Q1 25 | $1.4B | $1.6B | ||
| Q4 24 | $1.3B | $1.6B | ||
| Q3 24 | $1.2B | $1.6B | ||
| Q2 24 | $1.2B | $1.5B | ||
| Q1 24 | $1.3B | $1.6B |
| Q4 25 | $40.2M | $198.5M | ||
| Q3 25 | $31.5M | $178.7M | ||
| Q2 25 | $35.2M | $157.1M | ||
| Q1 25 | $43.8M | $128.2M | ||
| Q4 24 | $37.4M | $167.9M | ||
| Q3 24 | $29.1M | $102.1M | ||
| Q2 24 | $32.5M | $40.5M | ||
| Q1 24 | $39.3M | $115.5M |
| 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% | 17.3% | ||
| Q3 25 | 4.0% | 14.9% | ||
| Q2 25 | 4.3% | 12.7% | ||
| Q1 25 | 4.8% | 11.6% | ||
| Q4 24 | 4.6% | 16.1% | ||
| Q3 24 | 4.0% | 9.6% | ||
| Q2 24 | 4.1% | 6.2% | ||
| Q1 24 | 4.9% | 9.7% |
| Q4 25 | 2.9% | 11.9% | ||
| Q3 25 | 2.4% | 10.7% | ||
| Q2 25 | 2.7% | 9.5% | ||
| Q1 25 | 3.2% | 8.0% | ||
| Q4 24 | 3.0% | 10.6% | ||
| Q3 24 | 2.4% | 6.5% | ||
| Q2 24 | 2.6% | 2.6% | ||
| Q1 24 | 3.0% | 7.4% |
| Q4 25 | $1.29 | $5.46 | ||
| Q3 25 | $1.02 | $4.90 | ||
| Q2 25 | $1.14 | $4.30 | ||
| Q1 25 | $1.45 | $3.50 | ||
| Q4 24 | $1.21 | $4.60 | ||
| Q3 24 | $0.94 | $2.80 | ||
| Q2 24 | $1.08 | $1.12 | ||
| Q1 24 | $1.31 | $3.18 |
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 | $1.1B |
| Total DebtLower is stronger | $180.3M | $843.3M |
| Stockholders' EquityBook value | $1.3B | $3.6B |
| Total Assets | $2.4B | $16.9B |
| Debt / EquityLower = less leverage | 0.14× | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.6M | $1.1B | ||
| Q3 25 | $314.2M | $915.7M | ||
| Q2 25 | $262.4M | $244.1M | ||
| Q1 25 | $247.3M | $315.1M | ||
| Q4 24 | $222.2M | $435.5M | ||
| Q3 24 | $225.5M | $427.1M | ||
| Q2 24 | $228.2M | $337.6M | ||
| Q1 24 | $264.2M | $264.6M |
| Q4 25 | $180.3M | $843.3M | ||
| Q3 25 | $186.6M | $843.0M | ||
| Q2 25 | $103.1M | $347.8M | ||
| Q1 25 | $107.1M | $722.5M | ||
| Q4 24 | $115.6M | $722.3M | ||
| Q3 24 | $130.4M | — | ||
| Q2 24 | $135.1M | — | ||
| Q1 24 | $140.0M | — |
| Q4 25 | $1.3B | $3.6B | ||
| Q3 25 | $1.2B | $3.4B | ||
| Q2 25 | $1.2B | $3.2B | ||
| Q1 25 | $1.2B | $3.0B | ||
| Q4 24 | $1.2B | $2.8B | ||
| Q3 24 | $1.1B | $2.9B | ||
| Q2 24 | $1.1B | $2.6B | ||
| Q1 24 | $1.1B | $2.5B |
| Q4 25 | $2.4B | $16.9B | ||
| Q3 25 | $2.3B | $16.8B | ||
| Q2 25 | $2.1B | $15.7B | ||
| Q1 25 | $2.1B | $15.5B | ||
| Q4 24 | $2.1B | $15.3B | ||
| Q3 24 | $2.0B | $15.4B | ||
| Q2 24 | $2.0B | $14.9B | ||
| Q1 24 | $2.0B | $14.6B |
| Q4 25 | 0.14× | 0.24× | ||
| Q3 25 | 0.15× | 0.25× | ||
| Q2 25 | 0.08× | 0.11× | ||
| Q1 25 | 0.09× | 0.24× | ||
| Q4 24 | 0.10× | 0.25× | ||
| 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 | $71.2M | $378.2M |
| Free Cash FlowOCF − Capex | $32.6M | $377.0M |
| FCF MarginFCF / Revenue | 2.4% | 22.6% |
| Capex IntensityCapex / Revenue | 2.8% | 0.1% |
| Cash ConversionOCF / Net Profit | 1.77× | 1.91× |
| TTM Free Cash FlowTrailing 4 quarters | $125.5M | $1.2B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $71.2M | $378.2M | ||
| Q3 25 | $82.1M | $554.4M | ||
| Q2 25 | $52.8M | $206.6M | ||
| Q1 25 | $87.9M | $38.9M | ||
| Q4 24 | $38.5M | $213.5M | ||
| Q3 24 | $41.8M | $394.7M | ||
| Q2 24 | $38.1M | $139.5M | ||
| Q1 24 | $86.6M | $58.7M |
| Q4 25 | $32.6M | $377.0M | ||
| Q3 25 | $25.6M | $551.4M | ||
| Q2 25 | $14.0M | $204.9M | ||
| Q1 25 | $53.2M | $37.1M | ||
| Q4 24 | $10.3M | $210.5M | ||
| Q3 24 | $15.2M | $392.3M | ||
| Q2 24 | $-308.0K | $137.3M | ||
| Q1 24 | $16.4M | $56.1M |
| Q4 25 | 2.4% | 22.6% | ||
| Q3 25 | 1.9% | 33.1% | ||
| Q2 25 | 1.1% | 12.4% | ||
| Q1 25 | 3.9% | 2.3% | ||
| Q4 24 | 0.8% | 13.3% | ||
| Q3 24 | 1.2% | 25.1% | ||
| Q2 24 | -0.0% | 8.9% | ||
| Q1 24 | 1.3% | 3.6% |
| Q4 25 | 2.8% | 0.1% | ||
| Q3 25 | 4.2% | 0.2% | ||
| Q2 25 | 2.9% | 0.1% | ||
| Q1 25 | 2.5% | 0.1% | ||
| Q4 24 | 2.2% | 0.2% | ||
| Q3 24 | 2.2% | 0.2% | ||
| Q2 24 | 3.1% | 0.1% | ||
| Q1 24 | 5.4% | 0.2% |
| Q4 25 | 1.77× | 1.91× | ||
| Q3 25 | 2.60× | 3.10× | ||
| Q2 25 | 1.50× | 1.32× | ||
| Q1 25 | 2.01× | 0.30× | ||
| Q4 24 | 1.03× | 1.27× | ||
| Q3 24 | 1.44× | 3.87× | ||
| Q2 24 | 1.17× | 3.44× | ||
| Q1 24 | 2.20× | 0.51× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
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% |
THG
| Personal Lines Segment | $684.6M | 41% |
| Core Commercial Lines Segment | $617.8M | 37% |
| Specialty Lines Segment | $377.9M | 23% |
