vs
Side-by-side financial comparison of Andersons, Inc. (ANDE) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
Andersons, Inc. is the larger business by last-quarter revenue ($329.5M vs $253.4M, roughly 1.3× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -2.4%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-77.1M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -1.8%).
The Andersons, Inc. is an American agribusiness established in 1947, that began as Andersons Truck Terminal (ATT) in the 1940s for the grain industry, headquartered in Maumee, Ohio. It is a diversified company rooted in agriculture that conducts business in the commodity merchandising, renewables, and plant nutrient sectors.
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.
ANDE vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $329.5M | $253.4M |
| Net Profit | $67.4M | — |
| Gross Margin | 70.3% | — |
| Operating Margin | 26.6% | 28.7% |
| Net Margin | 20.5% | — |
| Revenue YoY | -2.4% | 62.7% |
| Net Profit YoY | 49.6% | — |
| EPS (diluted) | — | $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 | $329.5M | $253.4M | ||
| Q3 25 | $295.8M | $244.7M | ||
| Q2 25 | $535.0M | $203.3M | ||
| Q1 25 | $370.8M | $174.6M | ||
| Q4 24 | $337.5M | $155.8M | ||
| Q3 24 | $231.9M | $148.5M | ||
| Q2 24 | $492.5M | $131.1M | ||
| Q1 24 | $341.4M | $118.5M |
| Q4 25 | $67.4M | — | ||
| Q3 25 | $20.1M | $51.5M | ||
| Q2 25 | $7.9M | $46.5M | ||
| Q1 25 | $284.0K | $42.9M | ||
| Q4 24 | $45.1M | — | ||
| Q3 24 | $27.4M | $30.5M | ||
| Q2 24 | $36.0M | $25.7M | ||
| Q1 24 | $5.6M | $26.4M |
| Q4 25 | 70.3% | — | ||
| Q3 25 | 57.8% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 41.2% | — | ||
| Q4 24 | 63.1% | — | ||
| Q3 24 | 76.4% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | 37.6% | — |
| Q4 25 | 26.6% | 28.7% | ||
| Q3 25 | 8.7% | 27.4% | ||
| Q2 25 | 4.6% | 29.5% | ||
| Q1 25 | 0.9% | 30.8% | ||
| Q4 24 | 19.9% | 28.9% | ||
| Q3 24 | 26.8% | 25.9% | ||
| Q2 24 | 11.6% | 25.5% | ||
| Q1 24 | 4.1% | 29.0% |
| Q4 25 | 20.5% | — | ||
| Q3 25 | 6.8% | 21.0% | ||
| Q2 25 | 1.5% | 22.9% | ||
| Q1 25 | 0.1% | 24.6% | ||
| Q4 24 | 13.4% | — | ||
| Q3 24 | 11.8% | 20.5% | ||
| Q2 24 | 7.3% | 19.6% | ||
| Q1 24 | 1.6% | 22.3% |
| Q4 25 | — | $2.05 | ||
| Q3 25 | $0.59 | $1.87 | ||
| Q2 25 | $0.23 | $1.68 | ||
| Q1 25 | $0.01 | $1.57 | ||
| Q4 24 | $1.31 | $1.29 | ||
| Q3 24 | $0.80 | $1.15 | ||
| Q2 24 | $1.05 | $1.00 | ||
| Q1 24 | $0.16 | $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 | $98.3M | $106.9M |
| Total DebtLower is stronger | $560.0M | — |
| Stockholders' EquityBook value | $1.2B | $942.7M |
| Total Assets | $3.7B | $3.1B |
| Debt / EquityLower = less leverage | 0.45× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $98.3M | $106.9M | ||
| Q3 25 | — | $111.7M | ||
| Q2 25 | — | $81.3M | ||
| Q1 25 | — | $119.3M | ||
| Q4 24 | $561.8M | $80.4M | ||
| Q3 24 | — | $86.5M | ||
| Q2 24 | — | $47.8M | ||
| Q1 24 | — | $61.4M |
| Q4 25 | $560.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $608.2M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.2B | $942.7M | ||
| Q3 25 | $1.2B | $878.1M | ||
| Q2 25 | $1.4B | $847.2M | ||
| Q1 25 | $1.4B | $790.4M | ||
| Q4 24 | $1.4B | $729.0M | ||
| Q3 24 | $1.3B | $703.3M | ||
| Q2 24 | $1.3B | $532.6M | ||
| Q1 24 | $1.3B | $501.7M |
| Q4 25 | $3.7B | $3.1B | ||
| Q3 25 | $3.3B | $2.9B | ||
| Q2 25 | $3.4B | $2.8B | ||
| Q1 25 | $3.8B | $2.4B | ||
| Q4 24 | $4.1B | $2.3B | ||
| Q3 24 | $3.4B | $2.3B | ||
| Q2 24 | $3.3B | $2.0B | ||
| Q1 24 | $3.3B | $1.9B |
| Q4 25 | 0.45× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.45× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-6.2M | $409.1M |
| Free Cash FlowOCF − Capex | $-77.1M | $409.0M |
| FCF MarginFCF / Revenue | -23.4% | 161.4% |
| Capex IntensityCapex / Revenue | 21.5% | 0.1% |
| Cash ConversionOCF / Net Profit | -0.09× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-56.1M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-6.2M | $409.1M | ||
| Q3 25 | $233.9M | $83.6M | ||
| Q2 25 | $299.3M | $120.9M | ||
| Q1 25 | $-350.0M | $87.2M | ||
| Q4 24 | $268.8M | $261.2M | ||
| Q3 24 | $-2.1M | $100.3M | ||
| Q2 24 | $304.4M | $55.1M | ||
| Q1 24 | $-239.6M | $33.1M |
| Q4 25 | $-77.1M | $409.0M | ||
| Q3 25 | $167.0M | $83.6M | ||
| Q2 25 | $250.5M | $120.8M | ||
| Q1 25 | $-396.6M | $87.1M | ||
| Q4 24 | $212.9M | $260.9M | ||
| Q3 24 | $-40.0M | $100.1M | ||
| Q2 24 | $275.8M | — | ||
| Q1 24 | $-266.4M | — |
| Q4 25 | -23.4% | 161.4% | ||
| Q3 25 | 56.5% | 34.2% | ||
| Q2 25 | 46.8% | 59.4% | ||
| Q1 25 | -106.9% | 49.9% | ||
| Q4 24 | 63.1% | 167.5% | ||
| Q3 24 | -17.2% | 67.4% | ||
| Q2 24 | 56.0% | — | ||
| Q1 24 | -78.0% | — |
| Q4 25 | 21.5% | 0.1% | ||
| Q3 25 | 22.6% | 0.0% | ||
| Q2 25 | 9.1% | 0.0% | ||
| Q1 25 | 12.6% | 0.0% | ||
| Q4 24 | 16.6% | 0.2% | ||
| Q3 24 | 16.3% | 0.1% | ||
| Q2 24 | 5.8% | 0.0% | ||
| Q1 24 | 7.8% | 0.0% |
| Q4 25 | -0.09× | — | ||
| Q3 25 | 11.61× | 1.63× | ||
| Q2 25 | 38.10× | 2.60× | ||
| Q1 25 | -1232.46× | 2.03× | ||
| Q4 24 | 5.96× | — | ||
| Q3 24 | -0.08× | 3.29× | ||
| Q2 24 | 8.46× | 2.14× | ||
| Q1 24 | -42.94× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ANDE
| Specialty And Primary Nutrients | $137.1M | 42% |
| Premium Ingredients | $66.1M | 20% |
| Segment Reporting Reconciling Item Other | $63.2M | 19% |
| Other | $63.1M | 19% |
PLMR
Segment breakdown not available.
