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Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $183.6M, roughly 1.4× ACV Auctions Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 15.1%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-14.7M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 12.3%).
ACV Auctions Inc.ACVAEarnings & Financial Report
ACV Auctions Inc. operates a leading digital wholesale vehicle auction platform serving automotive dealers across the U.S. and Canada. It offers end-to-end services including transparent vehicle inspections, secure payment processing, and logistics support, enabling efficient trading of used vehicles between registered wholesale buyers and sellers.
Palomar Holdings, Inc. is a specialty insurance holding company that primarily provides property insurance products for catastrophe-exposed residential and commercial assets. It mainly operates across the United States, focusing on core segments including earthquake, flood, and windstorm coverage to meet high-risk property protection demands of customers.
ACVA vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $253.4M |
| Net Profit | — | — |
| Gross Margin | — | — |
| Operating Margin | -9.7% | 28.7% |
| Net Margin | — | — |
| Revenue YoY | 15.1% | 62.7% |
| Net Profit YoY | — | — |
| EPS (diluted) | $-0.12 | $2.05 |
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 | $183.6M | $253.4M | ||
| Q3 25 | $199.6M | $244.7M | ||
| Q2 25 | $193.7M | $203.3M | ||
| Q1 25 | $182.7M | $174.6M | ||
| Q4 24 | $159.5M | $155.8M | ||
| Q3 24 | $171.3M | $148.5M | ||
| Q2 24 | $160.6M | $131.1M | ||
| Q1 24 | $145.7M | $118.5M |
| Q4 25 | — | — | ||
| Q3 25 | $-24.5M | $51.5M | ||
| Q2 25 | $-7.3M | $46.5M | ||
| Q1 25 | $-14.8M | $42.9M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-16.0M | $30.5M | ||
| Q2 24 | $-17.1M | $25.7M | ||
| Q1 24 | $-20.5M | $26.4M |
| Q4 25 | -9.7% | 28.7% | ||
| Q3 25 | -11.9% | 27.4% | ||
| Q2 25 | -3.7% | 29.5% | ||
| Q1 25 | -7.9% | 30.8% | ||
| Q4 24 | -16.2% | 28.9% | ||
| Q3 24 | -10.0% | 25.9% | ||
| Q2 24 | -11.6% | 25.5% | ||
| Q1 24 | -15.5% | 29.0% |
| Q4 25 | — | — | ||
| Q3 25 | -12.3% | 21.0% | ||
| Q2 25 | -3.8% | 22.9% | ||
| Q1 25 | -8.1% | 24.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | -9.4% | 20.5% | ||
| Q2 24 | -10.6% | 19.6% | ||
| Q1 24 | -14.1% | 22.3% |
| Q4 25 | $-0.12 | $2.05 | ||
| Q3 25 | $-0.14 | $1.87 | ||
| Q2 25 | $-0.04 | $1.68 | ||
| Q1 25 | $-0.09 | $1.57 | ||
| Q4 24 | $-0.15 | $1.29 | ||
| Q3 24 | $-0.10 | $1.15 | ||
| Q2 24 | $-0.10 | $1.00 | ||
| Q1 24 | $-0.13 | $1.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $271.5M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $429.7M | $942.7M |
| Total Assets | $1.1B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $271.5M | $106.9M | ||
| Q3 25 | $265.3M | $111.7M | ||
| Q2 25 | $258.4M | $81.3M | ||
| Q1 25 | $291.9M | $119.3M | ||
| Q4 24 | $224.1M | $80.4M | ||
| Q3 24 | $252.5M | $86.5M | ||
| Q2 24 | $215.0M | $47.8M | ||
| Q1 24 | $209.8M | $61.4M |
| Q4 25 | $429.7M | $942.7M | ||
| Q3 25 | $434.4M | $878.1M | ||
| Q2 25 | $448.8M | $847.2M | ||
| Q1 25 | $439.6M | $790.4M | ||
| Q4 24 | $440.0M | $729.0M | ||
| Q3 24 | $456.2M | $703.3M | ||
| Q2 24 | $457.6M | $532.6M | ||
| Q1 24 | $458.3M | $501.7M |
| Q4 25 | $1.1B | $3.1B | ||
| Q3 25 | $1.2B | $2.9B | ||
| Q2 25 | $1.1B | $2.8B | ||
| Q1 25 | $1.2B | $2.4B | ||
| Q4 24 | $984.1M | $2.3B | ||
| Q3 24 | $1.0B | $2.3B | ||
| Q2 24 | $1.0B | $2.0B | ||
| Q1 24 | $1.0B | $1.9B |
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 | $-12.4M | $409.1M |
| Free Cash FlowOCF − Capex | $-14.7M | $409.0M |
| FCF MarginFCF / Revenue | -8.0% | 161.4% |
| Capex IntensityCapex / Revenue | 1.2% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $409.1M | ||
| Q3 25 | $10.3M | $83.6M | ||
| Q2 25 | $13.7M | $120.9M | ||
| Q1 25 | $66.6M | $87.2M | ||
| Q4 24 | $-3.2M | $261.2M | ||
| Q3 24 | $21.1M | $100.3M | ||
| Q2 24 | $4.5M | $55.1M | ||
| Q1 24 | $43.0M | $33.1M |
| Q4 25 | $-14.7M | $409.0M | ||
| Q3 25 | $7.7M | $83.6M | ||
| Q2 25 | $10.9M | $120.8M | ||
| Q1 25 | $65.3M | $87.1M | ||
| Q4 24 | $-3.9M | $260.9M | ||
| Q3 24 | $20.2M | $100.1M | ||
| Q2 24 | $2.7M | — | ||
| Q1 24 | $41.9M | — |
| Q4 25 | -8.0% | 161.4% | ||
| Q3 25 | 3.8% | 34.2% | ||
| Q2 25 | 5.6% | 59.4% | ||
| Q1 25 | 35.7% | 49.9% | ||
| Q4 24 | -2.5% | 167.5% | ||
| Q3 24 | 11.8% | 67.4% | ||
| Q2 24 | 1.7% | — | ||
| Q1 24 | 28.8% | — |
| Q4 25 | 1.2% | 0.1% | ||
| Q3 25 | 1.3% | 0.0% | ||
| Q2 25 | 1.5% | 0.0% | ||
| Q1 25 | 0.7% | 0.0% | ||
| Q4 24 | 0.4% | 0.2% | ||
| Q3 24 | 0.6% | 0.1% | ||
| Q2 24 | 1.1% | 0.0% | ||
| Q1 24 | 0.7% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 2.60× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.29× | ||
| Q2 24 | — | 2.14× | ||
| Q1 24 | — | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACVA
| Auction Marketplace Revenue | $77.6M | 42% |
| Other Marketplace Revenue | $72.4M | 39% |
| Customer Assurance | $24.1M | 13% |
| Data Services Revenue | $9.4M | 5% |
PLMR
Segment breakdown not available.
