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Side-by-side financial comparison of Arhaus, Inc. (ARHS) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
Arhaus, Inc. is the larger business by last-quarter revenue ($364.8M vs $253.4M, roughly 1.4× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 5.1%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-8.8M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 11.2%).
Arhaus, Inc.ARHSEarnings & Financial Report
Arhaus, Inc. is an upscale American home furnishings company headquartered in Boston Heights, Ohio. Founded in 1986 with a focus on sustainability and artisanship in product quality, Arhaus provides a diversified assortment of specialty goods and services addressing omnichannel direct-to-consumer and business-to-business residential and commercial operations.
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.
ARHS vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $364.8M | $253.4M |
| Net Profit | $15.1M | — |
| Gross Margin | 38.1% | — |
| Operating Margin | 5.6% | 28.7% |
| Net Margin | 4.1% | — |
| Revenue YoY | 5.1% | 62.7% |
| Net Profit YoY | -29.1% | — |
| EPS (diluted) | $0.11 | $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 | $364.8M | $253.4M | ||
| Q3 25 | $344.6M | $244.7M | ||
| Q2 25 | $358.4M | $203.3M | ||
| Q1 25 | $311.4M | $174.6M | ||
| Q4 24 | $347.0M | $155.8M | ||
| Q3 24 | $319.1M | $148.5M | ||
| Q2 24 | $309.8M | $131.1M | ||
| Q1 24 | $295.2M | $118.5M |
| Q4 25 | $15.1M | — | ||
| Q3 25 | $12.2M | $51.5M | ||
| Q2 25 | $35.1M | $46.5M | ||
| Q1 25 | $4.9M | $42.9M | ||
| Q4 24 | $21.3M | — | ||
| Q3 24 | $9.9M | $30.5M | ||
| Q2 24 | $22.2M | $25.7M | ||
| Q1 24 | $15.1M | $26.4M |
| Q4 25 | 38.1% | — | ||
| Q3 25 | 38.7% | — | ||
| Q2 25 | 41.4% | — | ||
| Q1 25 | 37.1% | — | ||
| Q4 24 | 40.0% | — | ||
| Q3 24 | 38.6% | — | ||
| Q2 24 | 40.1% | — | ||
| Q1 24 | 39.0% | — |
| Q4 25 | 5.6% | 28.7% | ||
| Q3 25 | 4.8% | 27.4% | ||
| Q2 25 | 13.0% | 29.5% | ||
| Q1 25 | 1.7% | 30.8% | ||
| Q4 24 | 8.2% | 28.9% | ||
| Q3 24 | 3.3% | 25.9% | ||
| Q2 24 | 9.5% | 25.5% | ||
| Q1 24 | 6.2% | 29.0% |
| Q4 25 | 4.1% | — | ||
| Q3 25 | 3.5% | 21.0% | ||
| Q2 25 | 9.8% | 22.9% | ||
| Q1 25 | 1.6% | 24.6% | ||
| Q4 24 | 6.1% | — | ||
| Q3 24 | 3.1% | 20.5% | ||
| Q2 24 | 7.2% | 19.6% | ||
| Q1 24 | 5.1% | 22.3% |
| Q4 25 | $0.11 | $2.05 | ||
| Q3 25 | $0.09 | $1.87 | ||
| Q2 25 | $0.25 | $1.68 | ||
| Q1 25 | $0.03 | $1.57 | ||
| Q4 24 | $0.15 | $1.29 | ||
| Q3 24 | $0.07 | $1.15 | ||
| Q2 24 | $0.16 | $1.00 | ||
| Q1 24 | $0.11 | $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 | $253.4M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $418.2M | $942.7M |
| Total Assets | $1.4B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $253.4M | $106.9M | ||
| Q3 25 | $262.2M | $111.7M | ||
| Q2 25 | $234.8M | $81.3M | ||
| Q1 25 | $214.4M | $119.3M | ||
| Q4 24 | $197.5M | $80.4M | ||
| Q3 24 | $177.7M | $86.5M | ||
| Q2 24 | $174.2M | $47.8M | ||
| Q1 24 | $233.2M | $61.4M |
| Q4 25 | $418.2M | $942.7M | ||
| Q3 25 | $400.4M | $878.1M | ||
| Q2 25 | $385.6M | $847.2M | ||
| Q1 25 | $348.8M | $790.4M | ||
| Q4 24 | $343.7M | $729.0M | ||
| Q3 24 | $320.6M | $703.3M | ||
| Q2 24 | $309.3M | $532.6M | ||
| Q1 24 | $285.6M | $501.7M |
| Q4 25 | $1.4B | $3.1B | ||
| Q3 25 | $1.4B | $2.9B | ||
| Q2 25 | $1.3B | $2.8B | ||
| Q1 25 | $1.3B | $2.4B | ||
| Q4 24 | $1.2B | $2.3B | ||
| Q3 24 | $1.2B | $2.3B | ||
| Q2 24 | $1.2B | $2.0B | ||
| Q1 24 | $1.2B | $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 | $9.3M | $409.1M |
| Free Cash FlowOCF − Capex | $-8.8M | $409.0M |
| FCF MarginFCF / Revenue | -2.4% | 161.4% |
| Capex IntensityCapex / Revenue | 5.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 0.62× | — |
| TTM Free Cash FlowTrailing 4 quarters | $59.0M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.3M | $409.1M | ||
| Q3 25 | $46.1M | $83.6M | ||
| Q2 25 | $34.9M | $120.9M | ||
| Q1 25 | $46.5M | $87.2M | ||
| Q4 24 | $31.7M | $261.2M | ||
| Q3 24 | $31.1M | $100.3M | ||
| Q2 24 | $47.5M | $55.1M | ||
| Q1 24 | $36.8M | $33.1M |
| Q4 25 | $-8.8M | $409.0M | ||
| Q3 25 | $28.0M | $83.6M | ||
| Q2 25 | $20.9M | $120.8M | ||
| Q1 25 | $18.9M | $87.1M | ||
| Q4 24 | $13.0M | $260.9M | ||
| Q3 24 | $4.6M | $100.1M | ||
| Q2 24 | $11.3M | — | ||
| Q1 24 | $10.9M | — |
| Q4 25 | -2.4% | 161.4% | ||
| Q3 25 | 8.1% | 34.2% | ||
| Q2 25 | 5.8% | 59.4% | ||
| Q1 25 | 6.1% | 49.9% | ||
| Q4 24 | 3.7% | 167.5% | ||
| Q3 24 | 1.4% | 67.4% | ||
| Q2 24 | 3.6% | — | ||
| Q1 24 | 3.7% | — |
| Q4 25 | 5.0% | 0.1% | ||
| Q3 25 | 5.3% | 0.0% | ||
| Q2 25 | 3.9% | 0.0% | ||
| Q1 25 | 8.9% | 0.0% | ||
| Q4 24 | 5.4% | 0.2% | ||
| Q3 24 | 8.3% | 0.1% | ||
| Q2 24 | 11.7% | 0.0% | ||
| Q1 24 | 8.8% | 0.0% |
| Q4 25 | 0.62× | — | ||
| Q3 25 | 3.77× | 1.63× | ||
| Q2 25 | 1.00× | 2.60× | ||
| Q1 25 | 9.53× | 2.03× | ||
| Q4 24 | 1.49× | — | ||
| Q3 24 | 3.14× | 3.29× | ||
| Q2 24 | 2.14× | 2.14× | ||
| Q1 24 | 2.44× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ARHS
| Sales Channel Retail | $305.7M | 84% |
| Sales Channel E Commerce | $59.2M | 16% |
PLMR
Segment breakdown not available.
