PSMT Consumer Defensive

PriceSmart, Inc.

$160.61-3.69%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Consumer Defensive
Industry: Discount Stores
Country: United States
Market cap: 5.0B USD
Enterprise value: 5.1B USD
Full-time employees: 13,000

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
Drawback: its share price swings more than most peers’ (beta 0.77 vs a peer median of 0.41), though less than the overall marketbigger price swings (beta 0.77 vs peers 0.41)
About average: risk (debt, liquidity and share-price swings)risk

Ranks #400 of 761 consumer defensive companies (bottom 48%)

See how it ranks against its peers

Worth knowing

Buybacks largely absorbed by stock pay. Stock-based pay expense $53M vs $93M spent repurchasing shares over the 3 fiscal years to FY Aug 2025. Shares outstanding changed −0.1% from August 2022 to June 2026.
Over three fiscal years PriceSmart recorded $53M of stock-based pay expense and spent $93M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). The share count barely moved (−0.1%), so much of the repurchasing offset new employee shares rather than shrinking the count.Over three fiscal years PriceSmart recorded $53M of stock-based pay expense and spent $93M repurchasing shares. The share count barely moved (−0.1%), so much of the repurchasing offset new employee shares rather than shrinking the count.
Profit isn't fully turning into cash. Free cash flow is only 46% of reported profit.
Free cash flow is only 46% of reported profit. That usually means heavy spending on facilities and equipment, or cash tied up in inventory and unpaid bills. Worth checking whether it's a phase of investment or a lasting pattern.
Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $3.3B in FY Aug 2020 to $5.3B in FY Aug 2025.
PriceSmart's fiscal-year revenue rose in each of the five years to FY Aug 2025, from $3.3B to $5.3B.

StockQuotient Score

50/ 100

Oct 5 50 → Nov 4 50

Valuation

Is the price right?

32/100

Weak▲ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 31 → 32

Share price -3.5%+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ FCF yield
▼ Earnings yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield3.2%

SEC filings · 12 months to May 2026Reported value30% base weight · Z-score -0.43Sector median: 0.0453 · MAD: 0.0301

EBITDA yield7.3%

SEC filings · 12 months to May 2026Reported value50% base weight · Z-score -0.31Sector median: 0.0865 · MAD: 0.0435

Free cash flow yield1.5%

SEC filings · 12 months to May 2026 · operating cash flow − capital spendingReported value20% base weight · Z-score -1.07Sector median: 0.0622 · MAD: 0.0441

Other data (not scored)

Book yield28.1%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.5381 · MAD: 0.2865

Growth

Is it growing?

76/100

Moderate

3/3 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 3.0%

Why

Stronger than most peers on:

▲ 3-yr revenue
▲ Revenue growth
▲ EPS growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth10.0%

SEC filings · 12 months to May 2026Reported value33% base weight · Z-score 0.33Sector median: 0.0154 · MAD: 0.2529

3-year revenue growth9.7%

SEC filings · 3 years to May 2026Reported value33% base weight · Z-score 1.28Sector median: 0.0366 · MAD: 0.0470

Revenue growth10.2%

SEC filings · 12 months to May 2026Reported value33% base weight · Z-score 1.27Sector median: 0.0278 · MAD: 0.0585

Profitability

Does it earn well?

60/100

Moderate

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA
▲ ROIC

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin4.5%

SEC filings · 12 months to May 2026Reported value33% base weight · Z-score -0.61Sector median: 0.0759 · MAD: 0.0508

Return on assets6.4%

SEC filings · 12 months to May 2026Reported value33% base weight · Z-score 0.92Sector median: 0.0396 · MAD: 0.0262

Return on invested capital14.8%

SEC filings · 12 months to May 2026Reported value33% base weight · Z-score 1.07Sector median: 0.0766 · MAD: 0.0673

Other data (not scored)

Gross margin17.6%

SEC filings · 12 months to May 2026Reported valueInformational · 0% composite weightSector median: 0.3182 · MAD: 0.1263

Return on equity11.5%

SEC filings · 12 months to May 2026Reported valueInformational · 0% composite weightSector median: 0.0831 · MAD: 0.0675

Risk

Debt, liquidity, price swings

Moderate

Moderate relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Mixed versus peers:

▲ Debt / equity
▼ Beta
▼ Current ratio

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta0.77

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -2.12Sector median: 0.4070 · MAD: 0.1690

Current ratio1.28×

SEC filings · latest balance sheetReported value33% base weight · Z-score -0.38Sector median: 1.5250 · MAD: 0.6460

Debt / equity0.13×

SEC filings · latest balance sheetReported value33% base weight · Z-score 0.82Sector median: 0.4234 · MAD: 0.3581

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about PriceSmart

Is PriceSmart getting weaker?: Its latest SEC filing (Jul 8, 2026) showed no major changes. Its overall score is unchanged at 50/100 since Oct 28, 2026.
How is PriceSmart valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 32/100 against 823 consumer defensive peers. Free cash flow yield 1.5% vs a peer median of 6.2% (weaker than 80% of peers).Free cash flow yield 1.5% vs peers 6.2% (weaker than 80% of peers).
Is PriceSmart growing?: Yes, faster than most of its peers. Growth scores 76/100 against 823 consumer defensive peers. 3-year revenue growth 9.7% vs a peer median of 3.7% (stronger than 80% of peers).3-year revenue growth 9.7% vs peers 3.7% (stronger than 80% of peers).
How profitable is PriceSmart?: More profitable than most of its peers. Profitability scores 60/100 against 823 consumer defensive peers. Return on assets 6.4% vs a peer median of 4.0% (stronger than 73% of peers).Return on assets 6.4% vs peers 4.0% (stronger than 73% of peers). Operating margin 4.5% vs a peer median of 7.6% (weaker than 65% of peers).Operating margin 4.5% vs peers 7.6% (weaker than 65% of peers).
How risky is PriceSmart?: Moderate risk relative to 823 consumer defensive peers, judged on debt, liquidity and share-price swings. Debt / equity 0.13× vs a peer median of 0.42× (stronger than 73% of peers).Debt / equity 0.13× vs peers 0.42× (stronger than 73% of peers). Beta 0.77 vs a peer median of 0.41 (weaker than 84% of peers).Beta 0.77 vs peers 0.41 (weaker than 84% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended May 31, 2026 · filed Jul 8, 2026 · compared with the quarter ended Feb 28, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	5.5B USD	5.7B USD	+3.0%
Net income (12 months)	156.0M USD	160.5M USD	+2.9%
Operating margin	4.5%	4.5%	+0.0 pts
Free cash flow (12 months)	84.5M USD	73.7M USD	−12.8%
Debt	167.1M USD	183.1M USD	+9.6%
Cash	156.2M USD	208.4M USD	+33.4%
Shares outstanding	30.9M	30.9M	−0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Consumer Defensive · 91 companies

Valuations in Consumer Defensive are within their usual range since 2016.

30% of months since 2016 were valued lower than now.
18% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values −4% and earnings +7% (medians): prices and earnings moved broadly together.
Median price-to-sales is −58% vs the whole market, against a usual −39%.

2016Shaded: most expensive fifth of its range2026

Shown for Consumer Defensive: too few Discount Stores companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Aug 2021	FY Aug 2022	FY Aug 2023	FY Aug 2024	FY Aug 2025	Change
Gross margin	—	—	17.2%	17.2%	17.4%	▲ 0.1 pts
Operating margin	4.4%	4.1%	4.2%	4.5%	4.4%	▼ 0.1 pts
Net margin	2.7%	2.6%	2.5%	2.8%	2.8%	▼ 0.0 pts
Return on assets (ROA)	5.7%	5.8%	5.4%	6.9%	6.5%	▼ 0.3 pts
Return on equity (ROE)	10.7%	10.5%	9.9%	12.4%	11.9%	▼ 0.5 pts
Free cash flow margin	0.4%	0.0%	2.6%	0.8%	2.0%	▲ 1.2 pts
Current ratio	1.31×	1.34×	1.38×	1.22×	1.34×	▲ 9.6%
Quick ratio	0.58×	0.53×	0.64×	0.45×	0.57×	▲ 28%
Debt to equity	0.14×	0.15×	0.13×	0.12×	0.16×	▲ 29%
Interest coverage	21.92×	17.38×	16.74×	17.05×	20.19×	▲ 18%

PSMT price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Drawback: its share price swings more than most peers’ (beta 0.77 vs a peer median of 0.41), though less than the overall marketbigger price swings (beta 0.77 vs peers 0.41)

About average: risk (debt, liquidity and share-price swings)risk

Ranks #400 of 761 consumer defensive companies (bottom 48%)

See how it ranks against its peers

Worth knowing

Buybacks largely absorbed by stock pay. Stock-based pay expense $53M vs $93M spent repurchasing shares over the 3 fiscal years to FY Aug 2025. Shares outstanding changed −0.1% from August 2022 to June 2026.

Over three fiscal years PriceSmart recorded $53M of stock-based pay expense and spent $93M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). The share count barely moved (−0.1%), so much of the repurchasing offset new employee shares rather than shrinking the count.Over three fiscal years PriceSmart recorded $53M of stock-based pay expense and spent $93M repurchasing shares. The share count barely moved (−0.1%), so much of the repurchasing offset new employee shares rather than shrinking the count.

Profit isn't fully turning into cash. Free cash flow is only 46% of reported profit.

Free cash flow is only 46% of reported profit. That usually means heavy spending on facilities and equipment, or cash tied up in inventory and unpaid bills. Worth checking whether it's a phase of investment or a lasting pattern.

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $3.3B in FY Aug 2020 to $5.3B in FY Aug 2025.

PriceSmart's fiscal-year revenue rose in each of the five years to FY Aug 2025, from $3.3B to $5.3B.

Questions investors ask about PriceSmart

Is PriceSmart getting weaker?

Its latest SEC filing (Jul 8, 2026) showed no major changes. Its overall score is unchanged at 50/100 since Oct 28, 2026.

How is PriceSmart valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 32/100 against 823 consumer defensive peers. Free cash flow yield 1.5% vs a peer median of 6.2% (weaker than 80% of peers).Free cash flow yield 1.5% vs peers 6.2% (weaker than 80% of peers).

Is PriceSmart growing?

Yes, faster than most of its peers. Growth scores 76/100 against 823 consumer defensive peers. 3-year revenue growth 9.7% vs a peer median of 3.7% (stronger than 80% of peers).3-year revenue growth 9.7% vs peers 3.7% (stronger than 80% of peers).

How profitable is PriceSmart?

More profitable than most of its peers. Profitability scores 60/100 against 823 consumer defensive peers. Return on assets 6.4% vs a peer median of 4.0% (stronger than 73% of peers).Return on assets 6.4% vs peers 4.0% (stronger than 73% of peers). Operating margin 4.5% vs a peer median of 7.6% (weaker than 65% of peers).Operating margin 4.5% vs peers 7.6% (weaker than 65% of peers).

How risky is PriceSmart?

Moderate risk relative to 823 consumer defensive peers, judged on debt, liquidity and share-price swings. Debt / equity 0.13× vs a peer median of 0.42× (stronger than 73% of peers).Debt / equity 0.13× vs peers 0.42× (stronger than 73% of peers). Beta 0.77 vs a peer median of 0.41 (weaker than 84% of peers).Beta 0.77 vs peers 0.41 (weaker than 84% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

5.5B USD

5.7B USD

+3.0%

Net income (12 months)

156.0M USD

160.5M USD

+2.9%

Operating margin

4.5%

4.5%

+0.0 pts

Free cash flow (12 months)

84.5M USD

73.7M USD

−12.8%

Debt

167.1M USD

183.1M USD

+9.6%

Cash

156.2M USD

208.4M USD

+33.4%

Shares outstanding

30.9M

30.9M

−0.1%

Key ratios

FY Aug 2021

FY Aug 2022

FY Aug 2023

FY Aug 2024

FY Aug 2025

Change

Gross margin

—

17.2%

17.4%

▲ 0.1 pts

Operating margin

4.4%

4.1%

4.2%

4.5%

4.4%

▼ 0.1 pts

Net margin

2.7%

2.6%

2.5%

2.8%

▼ 0.0 pts

Return on assets (ROA)

5.7%

5.8%

5.4%

6.9%

6.5%

▼ 0.3 pts

Return on equity (ROE)

10.7%

10.5%

9.9%

12.4%

11.9%

▼ 0.5 pts

Free cash flow margin

0.4%

0.0%

2.6%

0.8%

2.0%

▲ 1.2 pts

Current ratio

1.31×

1.34×

1.38×

1.22×

1.34×

▲ 9.6%

Quick ratio

0.58×

0.53×

0.64×

0.45×

0.57×

▲ 28%

Debt to equity

0.14×

0.15×

0.13×

0.12×

0.16×

▲ 29%

Interest coverage

21.92×

17.38×

16.74×

17.05×

20.19×

▲ 18%