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Side-by-side financial comparison of PRICESMART INC (PSMT) and ZIONS BANCORPORATION, NATIONAL ASSOCIATION (ZION). Click either name above to swap in a different company.
PRICESMART INC is the larger business by last-quarter revenue ($1.4B vs $891.0M, roughly 1.6× ZIONS BANCORPORATION, NATIONAL ASSOCIATION). ZIONS BANCORPORATION, NATIONAL ASSOCIATION runs the higher net margin — 29.5% vs 2.9%, a 26.6% gap on every dollar of revenue. On growth, PRICESMART INC posted the faster year-over-year revenue change (9.9% vs 8.7%). ZIONS BANCORPORATION, NATIONAL ASSOCIATION produced more free cash flow last quarter ($952.0M vs $32.6M). Over the past eight quarters, ZIONS BANCORPORATION, NATIONAL ASSOCIATION's revenue compounded faster (9.6% 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.
Zions Bancorporation is an American national bank headquartered in Salt Lake City, Utah. It operates as a national bank rather than as a bank holding company and does business under the following seven brands: Zions Bank, Amegy Bank of Texas, California Bank and Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and the Commerce Bank of Washington.
PSMT vs ZION — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $891.0M |
| Net Profit | $40.2M | $263.0M |
| Gross Margin | 17.7% | — |
| Operating Margin | 4.6% | — |
| Net Margin | 2.9% | 29.5% |
| Revenue YoY | 9.9% | 8.7% |
| Net Profit YoY | 7.3% | 21.8% |
| EPS (diluted) | $1.29 | $1.77 |
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 | $891.0M | ||
| Q3 25 | $1.3B | $861.0M | ||
| Q2 25 | $1.3B | $838.0M | ||
| Q1 25 | $1.4B | $795.0M | ||
| Q4 24 | $1.3B | $820.0M | ||
| Q3 24 | $1.2B | $792.0M | ||
| Q2 24 | $1.2B | $777.0M | ||
| Q1 24 | $1.3B | $742.0M |
| Q4 25 | $40.2M | $263.0M | ||
| Q3 25 | $31.5M | $222.0M | ||
| Q2 25 | $35.2M | $244.0M | ||
| Q1 25 | $43.8M | $170.0M | ||
| Q4 24 | $37.4M | $216.0M | ||
| Q3 24 | $29.1M | $214.0M | ||
| Q2 24 | $32.5M | $201.0M | ||
| Q1 24 | $39.3M | $153.0M |
| 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 | 4.0% | — | ||
| Q2 24 | 4.1% | — | ||
| Q1 24 | 4.9% | — |
| Q4 25 | 2.9% | 29.5% | ||
| Q3 25 | 2.4% | 25.8% | ||
| Q2 25 | 2.7% | 29.1% | ||
| Q1 25 | 3.2% | 21.4% | ||
| Q4 24 | 3.0% | 26.3% | ||
| Q3 24 | 2.4% | 27.0% | ||
| Q2 24 | 2.6% | 25.9% | ||
| Q1 24 | 3.0% | 20.6% |
| Q4 25 | $1.29 | $1.77 | ||
| Q3 25 | $1.02 | $1.48 | ||
| Q2 25 | $1.14 | $1.63 | ||
| Q1 25 | $1.45 | $1.13 | ||
| Q4 24 | $1.21 | $1.34 | ||
| Q3 24 | $0.94 | $1.37 | ||
| Q2 24 | $1.08 | $1.28 | ||
| Q1 24 | $1.31 | $0.96 |
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 | $180.3M | $1.5B |
| Stockholders' EquityBook value | $1.3B | $7.2B |
| Total Assets | $2.4B | $89.0B |
| Debt / EquityLower = less leverage | 0.14× | 0.21× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.6M | — | ||
| Q3 25 | $314.2M | — | ||
| Q2 25 | $262.4M | — | ||
| Q1 25 | $247.3M | — | ||
| Q4 24 | $222.2M | — | ||
| Q3 24 | $225.5M | — | ||
| Q2 24 | $228.2M | — | ||
| Q1 24 | $264.2M | — |
| Q4 25 | $180.3M | $1.5B | ||
| Q3 25 | $186.6M | $1.5B | ||
| Q2 25 | $103.1M | $970.0M | ||
| Q1 25 | $107.1M | $964.0M | ||
| Q4 24 | $115.6M | $950.0M | ||
| Q3 24 | $130.4M | $548.0M | ||
| Q2 24 | $135.1M | $546.0M | ||
| Q1 24 | $140.0M | $544.0M |
| Q4 25 | $1.3B | $7.2B | ||
| Q3 25 | $1.2B | $6.9B | ||
| Q2 25 | $1.2B | $6.6B | ||
| Q1 25 | $1.2B | $6.3B | ||
| Q4 24 | $1.2B | $6.1B | ||
| Q3 24 | $1.1B | $6.4B | ||
| Q2 24 | $1.1B | $6.0B | ||
| Q1 24 | $1.1B | $5.8B |
| Q4 25 | $2.4B | $89.0B | ||
| Q3 25 | $2.3B | $88.5B | ||
| Q2 25 | $2.1B | $88.9B | ||
| Q1 25 | $2.1B | $88.0B | ||
| Q4 24 | $2.1B | $88.8B | ||
| Q3 24 | $2.0B | $87.0B | ||
| Q2 24 | $2.0B | $87.6B | ||
| Q1 24 | $2.0B | $87.1B |
| Q4 25 | 0.14× | 0.21× | ||
| Q3 25 | 0.15× | 0.21× | ||
| Q2 25 | 0.08× | 0.15× | ||
| Q1 25 | 0.09× | 0.15× | ||
| Q4 24 | 0.10× | 0.16× | ||
| Q3 24 | 0.12× | 0.09× | ||
| Q2 24 | 0.12× | 0.09× | ||
| Q1 24 | 0.13× | 0.09× |
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 | $1.1B |
| Free Cash FlowOCF − Capex | $32.6M | $952.0M |
| FCF MarginFCF / Revenue | 2.4% | 106.8% |
| Capex IntensityCapex / Revenue | 2.8% | 13.6% |
| Cash ConversionOCF / Net Profit | 1.77× | 4.08× |
| TTM Free Cash FlowTrailing 4 quarters | $125.5M | $1.4B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $71.2M | $1.1B | ||
| Q3 25 | $82.1M | $438.0M | ||
| Q2 25 | $52.8M | $-62.0M | ||
| Q1 25 | $87.9M | $179.0M | ||
| Q4 24 | $38.5M | $1.1B | ||
| Q3 24 | $41.8M | $119.0M | ||
| Q2 24 | $38.1M | $251.0M | ||
| Q1 24 | $86.6M | $261.0M |
| Q4 25 | $32.6M | $952.0M | ||
| Q3 25 | $25.6M | $413.0M | ||
| Q2 25 | $14.0M | $-93.0M | ||
| Q1 25 | $53.2M | $152.0M | ||
| Q4 24 | $10.3M | $1.1B | ||
| Q3 24 | $15.2M | $97.0M | ||
| Q2 24 | $-308.0K | $234.0M | ||
| Q1 24 | $16.4M | $231.0M |
| Q4 25 | 2.4% | 106.8% | ||
| Q3 25 | 1.9% | 48.0% | ||
| Q2 25 | 1.1% | -11.1% | ||
| Q1 25 | 3.9% | 19.1% | ||
| Q4 24 | 0.8% | 128.2% | ||
| Q3 24 | 1.2% | 12.2% | ||
| Q2 24 | -0.0% | 30.1% | ||
| Q1 24 | 1.3% | 31.1% |
| Q4 25 | 2.8% | 13.6% | ||
| Q3 25 | 4.2% | 2.9% | ||
| Q2 25 | 2.9% | 3.7% | ||
| Q1 25 | 2.5% | 3.4% | ||
| Q4 24 | 2.2% | 11.8% | ||
| Q3 24 | 2.2% | 2.8% | ||
| Q2 24 | 3.1% | 2.2% | ||
| Q1 24 | 5.4% | 4.0% |
| Q4 25 | 1.77× | 4.08× | ||
| Q3 25 | 2.60× | 1.97× | ||
| Q2 25 | 1.50× | -0.25× | ||
| Q1 25 | 2.01× | 1.05× | ||
| Q4 24 | 1.03× | 5.31× | ||
| Q3 24 | 1.44× | 0.56× | ||
| Q2 24 | 1.17× | 1.25× | ||
| Q1 24 | 2.20× | 1.71× |
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% |
ZION
Segment breakdown not available.
