$164.65

+0.08 (+0.05%)

Weekly Expected Move ±3.8%

$147 $153 $159 $165 $171

NASDAQ · Consumer Defensive · Discount Stores · Alpha Radar Strong Buy · Power 62 · $5.1B mcap · 28M float · 0.851% daily turnover · Short 86% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

35.8 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 14.3% · 5Y Avg: 12.2%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. PSMT has No discernible competitive edge (35.8/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 14.3% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 5Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-04-17	Jefferies	Pedro Baptista	Initiated	$90	—	+15.1%	$78.20
2022-11-29	Scotiabank	Hector Maya	Initiated	$77	—	+6.9%	$72.03

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. PSMT receives an overall rating of B+. Strongest factors: ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-11	B	B+
2026-01-26	B+	B
2026-01-03	B	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 56 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. PSMT scores highest in Safety (100/100) and lowest in Profitability (28/100). An overall grade of A places PSMT among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

6.28

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-1.30

Possible Manipulator

Ohlson O-Score

-8.13

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

Score: 85.8/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 1.75x

Accruals: -5.4%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. PSMT scores 6.28, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. PSMT scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. PSMT's score of -1.30 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. PSMT's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. PSMT receives an estimated rating of AA (score: 85.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). PSMT's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

32.54x

PEG

0.01x

P/S

0.92x

P/B

3.73x

P/FCF

55.32x

P/OCF

17.44x

EV/EBITDA

14.12x

EV/Revenue

0.85x

EV/EBIT

19.69x

EV/FCF

55.36x

Earnings Yield

3.27%

FCF Yield

1.81%

Shareholder Yield

1.09%

Graham Number

$68.50

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 32.5x earnings, PSMT commands a growth premium. Graham's intrinsic value formula yields $68.50 per share, 140% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.702

NI / EBT

Interest Burden

0.916

EBT / EBIT

EBIT Margin

0.043

EBIT / Rev

Asset Turnover

2.575

Rev / Assets

Equity Multiplier

1.811

Assets / Equity

ROE

12.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. PSMT's ROE of 12.9% is driven by Asset Turnover (2.575), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

13.34%

Fair P/E

35.18x

Intrinsic Value

$177.89

Price/Value

0.87x

Margin of Safety

13.08%

Premium

-13.08%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with PSMT's realized 13.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $177.89, PSMT appears undervalued with a 13% margin of safety. The adjusted fair P/E of 35.2x compares to the current market P/E of 32.5x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$164.65

Median 1Y

$183.07

5th Pctile

$109.61

95th Pctile

$305.47

Ann. Volatility

31.5%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
William J. Naylon —Executive Vice President and Chief Operating Officer	$365,713	$2,027,424	$2,547,839
Robert M. Gans —Executive Vice President, Secretary and General Counsel	$325,343	$1,520,736	$1,977,957
Thomas D. Martin —Executive Vice President and Chief Merchandising Officer	$321,733	$1,520,736	$1,976,447
John M. Heffner —Executive Vice President and Chief Financial Officer	$310,064	$1,520,736	$1,958,778
Jose Luis Laparte —Chief Executive Officer and President	$544,000	$—	$886,901

CEO Pay Ratio

16:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $886,901

Avg Employee Cost (SGA/emp): $56,522

Employees: 12,000

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

12,000

0.0% YoY

Revenue / Employee

$439,175

Rev: $5,270,094,000

Profit / Employee

$12,075

NI: $144,897,000

SGA / Employee

$56,522

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	12.1%	11.2%	11.5%	11.9%	11.5%	11.0%	11.2%	11.2%	12.3%	10.4%	10.9%	11.7%	11.9%	12.5%	12.4%	12.8%	13.0%	12.3%	12.5%	12.9%	12.90%
ROA	6.7%	5.8%	6.0%	6.2%	6.0%	5.9%	6.1%	6.1%	6.7%	5.7%	6.0%	6.4%	6.6%	6.9%	6.9%	7.1%	7.2%	6.8%	6.9%	7.1%	7.13%
ROIC	12.9%	11.3%	11.4%	11.8%	11.5%	10.9%	11.6%	11.8%	12.6%	11.3%	11.5%	12.4%	12.8%	13.3%	13.7%	13.9%	14.4%	13.4%	13.6%	14.3%	14.31%
ROCE	14.2%	13.5%	13.7%	14.0%	13.8%	13.7%	14.1%	14.3%	15.0%	13.1%	13.5%	14.5%	15.0%	16.2%	15.9%	15.8%	15.9%	14.1%	14.6%	15.4%	15.40%
Gross Margin	17.8%	17.7%	17.5%	17.0%	15.6%	16.9%	17.6%	17.3%	16.8%	17.1%	17.5%	17.1%	17.1%	17.3%	1.0%	17.1%	17.4%	17.4%	17.7%	17.7%	17.72%
Operating Margin	4.0%	3.6%	4.7%	4.7%	3.3%	3.8%	5.3%	4.7%	3.9%	2.9%	5.0%	5.0%	4.1%	4.0%	4.6%	4.8%	4.3%	4.1%	4.6%	5.1%	5.07%
Net Margin	2.5%	2.1%	3.1%	3.0%	1.9%	2.3%	3.1%	2.7%	2.7%	1.4%	3.3%	3.0%	2.6%	2.4%	3.0%	3.2%	2.6%	2.3%	2.8%	3.3%	3.28%
EBITDA Margin	5.9%	5.4%	6.4%	6.3%	5.0%	5.6%	6.6%	6.0%	5.6%	4.7%	6.7%	6.5%	5.8%	5.4%	5.9%	6.2%	5.7%	5.5%	6.1%	6.7%	6.70%
FCF Margin	2.3%	0.4%	0.3%	-1.0%	-0.7%	0.0%	1.2%	3.1%	2.9%	2.6%	2.6%	1.6%	1.1%	0.8%	0.8%	1.5%	1.8%	2.0%	2.3%	1.5%	1.53%
OCF Margin	4.7%	3.5%	3.5%	2.3%	2.8%	3.0%	4.0%	5.8%	5.6%	5.8%	5.9%	5.7%	5.0%	4.2%	4.1%	4.1%	4.3%	5.0%	5.5%	4.9%	4.85%
ROE 3Y Avg	snapshot only																				12.01%
ROE 5Y Avg	snapshot only																				11.63%
ROA 3Y Avg	snapshot only																				6.63%
ROIC 3Y Avg	snapshot only																				10.65%
ROIC Economic	snapshot only																				12.22%
Cash ROA	snapshot only																				11.82%
Cash ROIC	snapshot only																				21.44%
CROIC	snapshot only																				6.76%
NOPAT Margin	snapshot only																				3.24%
Pretax Margin	snapshot only																				3.94%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				13.04%
SBC / Revenue	snapshot only																				0.37%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	25.46	24.63	20.42	20.17	22.56	17.61	19.37	19.18	18.23	21.57	17.15	19.94	19.75	19.13	19.24	18.72	22.36	22.09	25.17	30.58	32.545
P/S Ratio	0.71	0.67	0.55	0.55	0.57	0.45	0.50	0.48	0.49	0.53	0.43	0.52	0.51	0.54	0.53	0.53	0.63	0.61	0.69	0.85	0.920
P/B Ratio	3.02	2.64	2.25	2.29	2.48	1.86	2.09	2.07	2.15	2.13	1.77	2.20	2.23	2.37	2.37	2.38	2.88	2.59	2.98	3.75	3.733
P/FCF	30.92	172.43	208.47	-56.76	-84.50	1574.36	40.82	15.38	17.28	20.51	16.89	32.35	48.89	68.04	63.96	34.08	34.82	31.28	29.61	55.32	55.317
P/OCF	15.20	18.97	15.63	23.43	20.37	15.11	12.51	8.31	8.81	9.15	7.32	9.08	10.37	12.80	12.98	12.96	14.61	12.35	12.64	17.44	17.436
EV/EBITDA	11.34	10.85	9.18	9.18	10.00	7.94	8.64	8.46	8.48	9.15	7.34	8.64	8.45	8.93	9.04	9.08	10.84	10.55	11.78	14.12	14.120
EV/Revenue	0.71	0.67	0.56	0.55	0.58	0.46	0.51	0.49	0.50	0.52	0.42	0.51	0.50	0.55	0.54	0.53	0.63	0.61	0.69	0.85	0.847
EV/EBIT	16.08	15.29	12.90	12.87	14.14	11.14	12.11	11.86	11.74	12.87	10.30	12.00	11.75	12.31	12.60	12.74	15.26	14.82	16.57	19.69	19.692
EV/FCF	30.73	173.50	209.98	-57.16	-85.06	1602.15	41.46	15.62	17.54	20.05	16.43	31.65	47.85	68.66	64.54	34.39	35.08	31.32	29.64	55.36	55.362
Earnings Yield	3.9%	4.1%	4.9%	5.0%	4.4%	5.7%	5.2%	5.2%	5.5%	4.6%	5.8%	5.0%	5.1%	5.2%	5.2%	5.3%	4.5%	4.5%	4.0%	3.3%	3.27%
FCF Yield	3.2%	0.6%	0.5%	-1.8%	-1.2%	0.1%	2.4%	6.5%	5.8%	4.9%	5.9%	3.1%	2.0%	1.5%	1.6%	2.9%	2.9%	3.2%	3.4%	1.8%	1.81%
PEG Ratio	snapshot only																				0.007
Price/Tangible Book	snapshot only																				3.884
EV/OCF	snapshot only																				17.450
EV/Gross Profit	snapshot only																				4.820
Acquirers Multiple	snapshot only																				18.713
Shareholder Yield	snapshot only																				1.09%
Graham Number	snapshot only																				$68.50

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	1.23	1.31	1.31	1.31	1.31	1.34	1.34	1.34	1.34	1.38	1.38	1.38	1.38	1.22	1.22	1.22	1.22	1.34	1.34	1.34	1.342
Quick Ratio	0.69	0.58	0.58	0.58	0.58	0.53	0.53	0.53	0.53	0.64	0.64	0.64	0.64	0.45	0.45	0.45	0.45	0.57	0.57	0.57	0.570
Debt/Equity	0.40	0.29	0.29	0.29	0.29	0.28	0.28	0.28	0.28	0.25	0.25	0.25	0.25	0.22	0.22	0.22	0.22	0.26	0.26	0.26	0.264
Net Debt/Equity	-0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	-0.05	-0.05	-0.05	-0.05	0.02	0.02	0.02	0.02	0.00	0.00	0.00	0.003
Debt/Assets	0.20	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.16	0.14	0.14	0.14	0.14	0.12	0.12	0.12	0.12	0.15	0.15	0.15	0.145
Debt/EBITDA	1.50	1.19	1.18	1.16	1.17	1.19	1.16	1.14	1.10	1.11	1.07	1.01	0.97	0.83	0.84	0.84	0.83	1.07	1.04	0.99	0.993
Net Debt/EBITDA	-0.07	0.07	0.07	0.07	0.07	0.14	0.13	0.13	0.13	-0.21	-0.20	-0.19	-0.18	0.08	0.08	0.08	0.08	0.01	0.01	0.01	0.011
Interest Coverage	18.54	22.03	23.74	23.53	19.77	17.49	16.13	15.75	16.64	16.24	16.70	17.19	16.62	16.80	16.59	17.52	18.93	18.93	16.96	16.21	16.211
Equity Multiplier	1.99	1.86	1.86	1.86	1.86	1.82	1.82	1.82	1.82	1.81	1.81	1.81	1.81	1.80	1.80	1.80	1.80	1.82	1.82	1.82	1.819
Cash Ratio	snapshot only																				0.448
Debt Service Coverage	snapshot only																				22.608
Cash to Debt	snapshot only																				0.988
FCF to Debt	snapshot only																				0.257
Defensive Interval	snapshot only																				190.0 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	2.38	2.15	2.21	2.27	2.35	2.31	2.36	2.42	2.46	2.31	2.37	2.45	2.52	2.44	2.49	2.52	2.56	2.46	2.51	2.58	2.575
Inventory Turnover	9.04	8.51	8.75	9.01	9.40	7.93	8.08	8.27	8.37	7.81	8.01	8.28	8.51	8.13	6.21	6.33	6.46	6.09	8.18	8.36	8.363
Receivables Turnover	305.83	283.78	291.45	299.37	310.00	315.81	321.98	330.03	335.15	281.95	289.09	298.66	307.14	267.42	272.39	276.31	281.09	290.79	297.67	304.94	304.937
Payables Turnover	8.79	7.81	8.03	8.27	8.62	8.49	8.65	8.86	8.97	8.48	8.69	8.99	9.24	8.66	6.61	6.74	6.88	6.68	8.97	9.18	9.176
DSO	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1.2 days
DIO	40	43	42	40	39	46	45	44	44	47	46	44	43	45	59	58	56	60	45	44	43.6 days
DPO	42	47	45	44	42	43	42	41	41	43	42	41	40	42	55	54	53	55	41	40	39.8 days
Cash Conversion Cycle	0	-3	-2	-2	-2	4	4	4	4	5	5	5	5	4	5	5	5	7	5	5	5.1 days
Fixed Asset Turnover	snapshot only																				4.980
Operating Cycle	snapshot only																				44.8 days
Cash Velocity	snapshot only																				16.991
Capital Intensity	snapshot only																				0.411

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	6.1%	8.7%	9.5%	11.5%	12.3%	12.3%	11.5%	11.3%	9.1%	8.5%	9.1%	10.0%	11.4%	11.4%	10.7%	8.6%	7.5%	7.2%	7.8%	8.8%	8.85%
Net Income	25.2%	25.4%	17.0%	17.1%	2.1%	6.7%	6.1%	2.7%	16.3%	4.5%	6.9%	14.5%	6.9%	27.2%	20.9%	16.7%	15.4%	5.2%	6.8%	7.1%	7.13%
EPS	24.5%	24.6%	16.3%	16.5%	1.5%	6.0%	5.7%	2.1%	15.6%	3.8%	8.5%	17.7%	10.0%	30.6%	21.9%	16.2%	15.0%	5.0%	6.2%	6.5%	6.50%
FCF	-7.9%	-91.2%	-93.0%	-1.3%	-1.3%	-91.6%	4.1%	4.6%	5.6%	97.2%	1.3%	-43.4%	-59.1%	-66.0%	-64.2%	4.1%	83.4%	1.6%	2.0%	7.8%	7.79%
EBITDA	20.3%	21.4%	13.1%	11.8%	4.0%	5.4%	7.9%	7.0%	11.8%	6.7%	6.6%	12.1%	12.1%	19.3%	14.3%	7.6%	4.7%	2.0%	6.3%	11.6%	11.63%
Op. Income	23.2%	29.0%	17.0%	14.3%	3.9%	5.7%	10.7%	11.8%	19.2%	10.4%	6.0%	8.7%	7.2%	20.4%	18.7%	12.7%	11.9%	5.5%	7.8%	12.1%	12.15%
OCF Growth	snapshot only																				30.00%
Asset Growth	snapshot only																				12.18%
Equity Growth	snapshot only																				11.08%
Debt Growth	snapshot only																				31.82%
Shares Change	snapshot only																				0.59%
Dividend Growth	snapshot only																				-39.51%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	4.1%	4.6%	5.4%	6.1%	7.3%	8.0%	8.4%	8.7%	9.1%	9.8%	10.0%	10.9%	10.9%	10.7%	10.4%	10.0%	9.3%	9.0%	9.2%	9.2%	9.16%
Revenue 5Y	4.0%	4.5%	4.9%	5.3%	5.9%	6.3%	6.5%	6.7%	6.7%	6.9%	7.3%	7.9%	8.5%	8.8%	9.0%	8.9%	9.2%	9.6%	9.7%	10.0%	10.04%
EPS 3Y	9.1%	9.3%	14.4%	10.5%	11.6%	12.1%	10.4%	9.5%	13.5%	11.1%	10.1%	11.9%	8.9%	12.8%	11.8%	11.8%	13.5%	12.5%	12.0%	13.3%	13.34%
EPS 5Y	1.8%	1.7%	1.9%	2.3%	1.2%	2.5%	3.5%	6.8%	8.8%	7.5%	11.4%	10.2%	12.0%	13.8%	12.2%	12.4%	13.1%	13.4%	11.6%	11.6%	11.61%
Net Income 3Y	9.5%	9.6%	14.9%	11.0%	12.1%	12.6%	10.9%	10.1%	14.2%	11.8%	9.9%	11.3%	8.3%	12.3%	11.1%	11.1%	12.8%	11.8%	11.3%	12.7%	12.71%
Net Income 5Y	2.1%	2.0%	2.3%	2.7%	1.6%	2.9%	3.9%	7.2%	9.3%	8.0%	11.5%	9.9%	11.8%	13.7%	12.0%	12.3%	12.9%	13.3%	11.4%	11.5%	11.49%
EBITDA 3Y	6.1%	7.0%	8.0%	8.8%	10.1%	11.1%	11.8%	11.2%	11.8%	10.9%	9.2%	10.3%	9.2%	10.3%	9.6%	8.9%	9.5%	9.1%	9.0%	10.4%	10.43%
EBITDA 5Y	4.3%	4.7%	4.5%	4.6%	4.3%	5.0%	6.1%	6.3%	6.8%	6.6%	7.7%	9.1%	10.9%	11.8%	11.2%	10.7%	10.4%	10.7%	9.6%	10.0%	10.00%
Gross Profit 3Y	7.6%	8.1%	8.5%	8.6%	8.9%	8.8%	8.9%	9.2%	10.3%	11.1%	10.6%	10.6%	9.9%	9.5%	42.5%	42.1%	42.4%	42.1%	10.5%	10.6%	10.58%
Gross Profit 5Y	6.5%	7.2%	7.3%	7.3%	7.2%	7.4%	7.8%	8.2%	8.2%	8.3%	8.6%	9.0%	9.8%	9.9%	28.7%	28.2%	28.5%	28.6%	10.3%	10.4%	10.43%
Op. Income 3Y	6.0%	7.8%	10.7%	11.7%	13.3%	13.2%	13.4%	13.8%	15.1%	14.6%	11.2%	11.6%	9.9%	12.0%	11.7%	11.1%	12.7%	12.0%	10.7%	11.2%	11.17%
Op. Income 5Y	2.2%	2.9%	3.0%	3.4%	3.0%	4.2%	6.2%	7.2%	8.1%	7.9%	9.8%	11.1%	13.2%	14.0%	12.9%	12.6%	12.8%	13.9%	11.9%	11.9%	11.92%
FCF 3Y	69.0%	-13.1%	-37.9%	—	—	-66.2%	39.3%	56.3%	11.9%	-10.3%	-6.4%	-15.1%	-14.6%	40.8%	61.5%	—	—	3.5%	35.2%	-14.1%	-14.07%
FCF 5Y	0.5%	-25.8%	-31.0%	—	—	—	—	42.1%	49.0%	40.0%	23.0%	27.7%	9.6%	5.2%	17.3%	17.6%	1.0%	-8.3%	-2.4%	-7.3%	-7.26%
OCF 3Y	9.0%	2.1%	-5.4%	-13.2%	-7.7%	-10.6%	1.0%	10.4%	1.5%	-0.2%	5.9%	10.3%	13.0%	17.7%	15.9%	32.1%	25.6%	29.0%	21.1%	2.9%	2.86%
OCF 5Y	1.0%	-1.9%	-1.2%	-7.9%	-0.4%	-0.2%	8.4%	16.0%	13.7%	16.6%	11.5%	14.4%	11.0%	4.0%	5.0%	2.4%	-0.9%	0.2%	5.5%	6.1%	6.05%
Assets 3Y	12.1%	11.9%	11.9%	11.9%	11.9%	11.7%	11.7%	11.7%	11.7%	6.6%	6.6%	6.6%	6.6%	5.8%	5.8%	5.8%	5.8%	7.9%	7.9%	7.9%	7.86%
Assets 5Y	10.8%	9.2%	9.2%	9.2%	9.2%	9.0%	9.0%	9.0%	9.0%	10.5%	10.5%	10.5%	10.5%	9.3%	9.3%	9.3%	9.3%	6.5%	6.5%	6.5%	6.49%
Equity 3Y	5.5%	6.5%	6.5%	6.5%	6.5%	7.5%	7.5%	7.5%	7.5%	10.0%	10.0%	10.0%	10.0%	7.1%	7.1%	7.1%	7.1%	8.0%	8.0%	8.0%	7.97%
Book Value 3Y	5.1%	6.2%	6.0%	6.1%	6.0%	7.0%	7.0%	6.9%	6.9%	9.3%	10.2%	10.6%	10.6%	7.5%	7.7%	7.7%	7.7%	8.6%	8.6%	8.6%	8.58%
Dividend 3Y	-0.0%	0.2%	0.0%	3.7%	3.4%	6.4%	6.4%	-18.6%	-18.5%	-19.2%	-18.5%	34.9%	68.5%	67.4%	67.8%	29.1%	-15.5%	-15.8%	-15.9%	-15.0%	-14.95%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.98	0.94	0.93	0.92	0.90	0.89	0.90	0.89	0.90	0.90	0.93	0.93	0.95	0.97	0.98	0.99	0.99	1.00	1.00	1.00	1.000
Earnings Stability	0.00	0.00	0.07	0.28	0.23	0.34	0.55	0.92	0.89	0.90	0.99	0.97	0.97	0.93	0.96	0.96	0.97	0.95	0.96	0.97	0.972
Margin Stability	0.95	0.95	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.96	0.97	0.97	0.97	0.97	0.56	0.56	0.57	0.57	0.56	0.57	0.570
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	0	0	1	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.90	0.90	0.93	0.93	0.99	0.97	0.98	0.99	0.93	0.98	0.97	0.94	0.97	0.89	0.92	0.93	0.94	0.98	0.97	0.97	0.971
Earnings Smoothness	0.78	0.77	0.84	0.84	0.98	0.94	0.94	0.97	0.85	0.96	0.93	0.87	0.93	0.76	0.81	0.85	0.86	0.95	0.93	0.93	0.931
ROE Trend	0.02	0.01	0.01	0.01	0.00	0.01	0.00	-0.00	0.00	-0.01	-0.01	-0.00	-0.00	0.02	0.02	0.02	0.01	0.01	0.01	0.00	0.004
Gross Margin Trend	0.01	0.01	0.01	0.00	-0.00	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	0.21	0.21	0.20	0.20	-0.10	-0.10	-0.098
FCF Margin Trend	0.00	-0.02	-0.02	-0.03	-0.03	-0.03	-0.01	0.02	0.02	0.02	0.02	0.01	-0.00	-0.01	-0.01	-0.01	-0.00	0.00	0.01	-0.00	-0.000
Sustainable Growth Rate	9.5%	8.7%	9.0%	9.1%	8.8%	8.2%	8.4%	9.8%	10.9%	9.0%	9.5%	8.6%	6.0%	6.5%	6.5%	6.7%	9.6%	9.1%	9.2%	9.4%	9.44%
Internal Growth Rate	5.5%	4.7%	4.9%	5.0%	4.8%	4.6%	4.8%	5.6%	6.3%	5.2%	5.5%	5.0%	3.4%	3.7%	3.7%	3.9%	5.6%	5.3%	5.3%	5.5%	5.50%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.67	1.30	1.31	0.86	1.11	1.17	1.55	2.31	2.07	2.36	2.34	2.19	1.90	1.49	1.48	1.45	1.53	1.79	1.99	1.75	1.754
FCF/OCF	0.49	0.11	0.07	-0.41	-0.24	0.01	0.31	0.54	0.51	0.45	0.43	0.28	0.21	0.19	0.20	0.38	0.42	0.39	0.43	0.32	0.315
FCF/Net Income	snapshot only																				0.553
OCF/EBITDA	snapshot only																				0.809
CapEx/Revenue	2.4%	3.1%	3.3%	3.3%	3.5%	3.0%	2.8%	2.7%	2.7%	3.2%	3.4%	4.1%	3.9%	3.4%	3.3%	2.5%	2.5%	3.0%	3.1%	3.3%	3.32%
CapEx/Depreciation	snapshot only																				1.958
Accruals Ratio	-0.05	-0.02	-0.02	0.01	-0.01	-0.01	-0.03	-0.08	-0.07	-0.08	-0.08	-0.08	-0.06	-0.03	-0.03	-0.03	-0.04	-0.05	-0.07	-0.05	-0.054
Sloan Accruals	snapshot only																				0.001
Cash Flow Adequacy	snapshot only																				1.194
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.9%	0.9%	1.1%	1.2%	1.1%	1.4%	1.3%	0.6%	0.6%	0.6%	0.7%	1.3%	2.5%	2.5%	2.5%	2.5%	1.1%	1.2%	1.0%	0.9%	0.81%
Dividend/Share	$0.71	$0.71	$0.71	$0.79	$0.79	$0.87	$0.86	$0.43	$0.43	$0.46	$0.47	$1.07	$2.09	$2.20	$2.20	$2.25	$1.23	$1.29	$1.28	$1.36	$1.33
Payout Ratio	21.9%	22.2%	21.6%	23.3%	24.0%	25.4%	24.8%	12.4%	11.4%	13.1%	12.5%	26.2%	50.1%	47.6%	47.9%	47.5%	25.7%	26.5%	26.2%	26.8%	26.80%
FCF Payout Ratio	26.6%	1.6%	2.2%	—	—	22.7%	52.3%	10.0%	10.8%	12.4%	12.3%	42.6%	1.2%	1.7%	1.6%	86.4%	40.0%	37.5%	30.9%	48.5%	48.48%
Total Payout Ratio	26.6%	27.8%	29.0%	30.1%	30.9%	31.4%	29.6%	20.2%	18.4%	24.9%	83.8%	90.7%	1.1%	1.0%	52.8%	52.7%	30.9%	31.1%	32.0%	33.2%	33.18%
Div. Increase Streak	1	1	1	1	1	1	1	0	0	0	0	0	0	0	0	1	0	0	0	0	0
Chowder Number	0.02	0.02	0.02	0.14	0.13	0.24	0.24	-0.45	-0.44	-0.46	-0.46	1.43	3.73	3.66	3.66	1.14	-0.40	-0.40	-0.40	-0.39	-0.386
Buyback Yield	0.2%	0.2%	0.4%	0.3%	0.3%	0.3%	0.2%	0.4%	0.4%	0.5%	4.2%	3.2%	3.2%	2.8%	0.3%	0.3%	0.2%	0.2%	0.2%	0.2%	0.21%
Net Buyback Yield	0.2%	0.2%	0.4%	0.3%	0.3%	0.3%	0.2%	0.4%	0.4%	0.5%	4.2%	3.2%	3.2%	2.8%	0.3%	0.3%	0.2%	0.2%	0.2%	0.2%	0.21%
Total Shareholder Return	1.0%	1.1%	1.4%	1.5%	1.4%	1.8%	1.5%	1.1%	1.0%	1.2%	4.9%	4.5%	5.7%	5.3%	2.7%	2.8%	1.4%	1.4%	1.3%	1.1%	1.09%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.68	0.67	0.66	0.67	0.67	0.67	0.67	0.66	0.67	0.65	0.65	0.66	0.66	0.69	0.70	0.71	0.72	0.71	0.70	0.70	0.702
Interest Burden (EBT/EBIT)	0.94	0.93	0.95	0.94	0.93	0.93	0.92	0.92	0.94	0.95	0.95	0.93	0.92	0.93	0.92	0.94	0.95	0.95	0.94	0.92	0.916
EBIT Margin	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.043
Asset Turnover	2.38	2.15	2.21	2.27	2.35	2.31	2.36	2.42	2.46	2.31	2.37	2.45	2.52	2.44	2.49	2.52	2.56	2.46	2.51	2.58	2.575
Equity Multiplier	1.81	1.92	1.92	1.92	1.92	1.84	1.84	1.84	1.84	1.82	1.82	1.82	1.82	1.81	1.81	1.81	1.81	1.81	1.81	1.81	1.811

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$3.24	$3.22	$3.29	$3.40	$3.29	$3.41	$3.48	$3.47	$3.80	$3.54	$3.78	$4.09	$4.18	$4.62	$4.61	$4.75	$4.80	$4.86	$4.89	$5.06	$5.06
Book Value/Share	$27.32	$30.09	$29.91	$29.93	$29.88	$32.35	$32.26	$32.22	$32.15	$35.91	$36.57	$37.00	$36.94	$37.39	$37.41	$37.35	$37.34	$41.46	$41.33	$41.24	$44.10
Tangible Book/Share	$25.50	$28.35	$28.18	$28.20	$28.16	$30.91	$30.83	$30.79	$30.72	$34.51	$35.15	$35.56	$35.50	$35.95	$35.97	$35.91	$35.90	$40.02	$39.90	$39.81	$39.81
Revenue/Share	$115.64	$118.98	$121.48	$124.87	$129.10	$132.71	$134.95	$138.14	$139.97	$143.09	$149.44	$156.19	$160.37	$163.62	$166.73	$168.86	$171.73	$175.16	$178.76	$182.73	$182.84
FCF/Share	$2.67	$0.46	$0.32	$-1.21	$-0.88	$0.04	$1.65	$4.33	$4.01	$3.72	$3.84	$2.52	$1.69	$1.30	$1.39	$2.61	$3.08	$3.43	$4.16	$2.80	$2.80
OCF/Share	$5.42	$4.18	$4.30	$2.93	$3.64	$3.98	$5.39	$8.01	$7.86	$8.35	$8.85	$8.97	$7.96	$6.91	$6.83	$6.86	$7.35	$8.69	$9.74	$8.87	$8.87
Cash/Share	$11.36	$8.29	$8.24	$8.25	$8.24	$8.12	$8.10	$8.09	$8.07	$10.74	$10.94	$11.07	$11.05	$7.51	$7.51	$7.50	$7.50	$10.81	$10.78	$10.75	$10.41
EBITDA/Share	$7.22	$7.36	$7.38	$7.52	$7.46	$7.70	$7.93	$8.00	$8.29	$8.16	$8.58	$9.23	$9.56	$10.00	$9.89	$9.87	$9.98	$10.18	$10.46	$10.96	$10.96
Debt/Share	$10.84	$8.79	$8.73	$8.74	$8.73	$9.18	$9.16	$9.15	$9.13	$9.02	$9.19	$9.30	$9.28	$8.31	$8.32	$8.30	$8.30	$10.94	$10.90	$10.88	$10.88
Net Debt/Share	$-0.53	$0.49	$0.49	$0.49	$0.49	$1.06	$1.06	$1.06	$1.05	$-1.72	$-1.75	$-1.77	$-1.76	$0.80	$0.80	$0.80	$0.80	$0.13	$0.13	$0.13	$0.13

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	6.275
Altman Z-Prime	snapshot only																				7.663
Piotroski F-Score	7	8	7	6	7	7	8	7	8	7	8	8	9	8	8	7	7	7	7	8	8
Beneish M-Score	-2.44	-2.60	-2.57	-2.43	-2.43	-2.39	-2.53	-2.75	-2.75	-2.55	-2.56	-2.54	-2.48	-2.61	-3.04	-2.60	-2.64	-1.27	1.11	-1.30	-1.297
Ohlson O-Score	snapshot only																				-8.131
ROIC (Greenblatt)	snapshot only																				17.50%
Net-Net WC	snapshot only																				$-1.56
EVA	snapshot only																				$53963063.57

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA
Credit Score	81.99	80.90	81.61	79.36	80.78	80.81	82.66	88.31	88.82	87.30	87.43	82.76	83.68	82.21	83.08	89.47	90.19	88.28	87.10	85.83	85.834
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				-3.638
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				84
Sector Credit Rank	snapshot only																				73

PSMT NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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