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Side-by-side financial comparison of CRA INTERNATIONAL, INC. (CRAI) 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 $197.0M, roughly 1.3× CRA INTERNATIONAL, INC.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 11.6%). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 7.1%).
CRA INTERNATIONAL, INC.CRAIEarnings & Financial Report
CRA International, Inc. is a global consulting firm headquartered in Boston. The firm provides expert testimony and litigation support, strategic advice, and analysis to law firms, corporations, accounting firms, and governments.
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.
CRAI vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $197.0M | $253.4M |
| Net Profit | $13.2M | — |
| Gross Margin | — | — |
| Operating Margin | 10.5% | 28.7% |
| Net Margin | 6.7% | — |
| Revenue YoY | 11.6% | 62.7% |
| Net Profit YoY | -12.0% | — |
| EPS (diluted) | $1.99 | $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 | $197.0M | $253.4M | ||
| Q3 25 | $185.9M | $244.7M | ||
| Q2 25 | $186.9M | $203.3M | ||
| Q1 25 | $181.9M | $174.6M | ||
| Q4 24 | $176.4M | $155.8M | ||
| Q3 24 | $167.7M | $148.5M | ||
| Q2 24 | $171.4M | $131.1M | ||
| Q1 24 | $171.8M | $118.5M |
| Q4 25 | $13.2M | — | ||
| Q3 25 | $11.5M | $51.5M | ||
| Q2 25 | $12.1M | $46.5M | ||
| Q1 25 | $18.0M | $42.9M | ||
| Q4 24 | $15.0M | — | ||
| Q3 24 | $11.4M | $30.5M | ||
| Q2 24 | $6.5M | $25.7M | ||
| Q1 24 | $13.7M | $26.4M |
| Q4 25 | 10.5% | 28.7% | ||
| Q3 25 | 9.3% | 27.4% | ||
| Q2 25 | 10.6% | 29.5% | ||
| Q1 25 | 14.0% | 30.8% | ||
| Q4 24 | 12.2% | 28.9% | ||
| Q3 24 | 11.0% | 25.9% | ||
| Q2 24 | 6.6% | 25.5% | ||
| Q1 24 | 11.4% | 29.0% |
| Q4 25 | 6.7% | — | ||
| Q3 25 | 6.2% | 21.0% | ||
| Q2 25 | 6.5% | 22.9% | ||
| Q1 25 | 9.9% | 24.6% | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | 6.8% | 20.5% | ||
| Q2 24 | 3.8% | 19.6% | ||
| Q1 24 | 8.0% | 22.3% |
| Q4 25 | $1.99 | $2.05 | ||
| Q3 25 | — | $1.87 | ||
| Q2 25 | — | $1.68 | ||
| Q1 25 | — | $1.57 | ||
| Q4 24 | — | $1.29 | ||
| Q3 24 | — | $1.15 | ||
| Q2 24 | — | $1.00 | ||
| Q1 24 | — | $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 | $18.2M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $213.6M | $942.7M |
| Total Assets | $628.9M | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.2M | $106.9M | ||
| Q3 25 | $22.5M | $111.7M | ||
| Q2 25 | $19.4M | $81.3M | ||
| Q1 25 | $25.6M | $119.3M | ||
| Q4 24 | $26.7M | $80.4M | ||
| Q3 24 | $24.5M | $86.5M | ||
| Q2 24 | $24.6M | $47.8M | ||
| Q1 24 | $37.1M | $61.4M |
| Q4 25 | $213.6M | $942.7M | ||
| Q3 25 | $201.7M | $878.1M | ||
| Q2 25 | $197.0M | $847.2M | ||
| Q1 25 | $227.3M | $790.4M | ||
| Q4 24 | $212.1M | $729.0M | ||
| Q3 24 | $204.5M | $703.3M | ||
| Q2 24 | $191.7M | $532.6M | ||
| Q1 24 | $211.8M | $501.7M |
| Q4 25 | $628.9M | $3.1B | ||
| Q3 25 | $629.0M | $2.9B | ||
| Q2 25 | $606.8M | $2.8B | ||
| Q1 25 | $590.4M | $2.4B | ||
| Q4 24 | $571.4M | $2.3B | ||
| Q3 24 | $582.3M | $2.3B | ||
| Q2 24 | $546.0M | $2.0B | ||
| Q1 24 | $552.5M | $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 | $22.4M | $409.1M |
| Free Cash FlowOCF − Capex | — | $409.0M |
| FCF MarginFCF / Revenue | — | 161.4% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | 1.70× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $22.4M | $409.1M | ||
| Q3 25 | $36.5M | $83.6M | ||
| Q2 25 | $5.9M | $120.9M | ||
| Q1 25 | $-80.0M | $87.2M | ||
| Q4 24 | $79.4M | $261.2M | ||
| Q3 24 | $31.6M | $100.3M | ||
| Q2 24 | $1.8M | $55.1M | ||
| Q1 24 | $-63.1M | $33.1M |
| Q4 25 | — | $409.0M | ||
| Q3 25 | $35.9M | $83.6M | ||
| Q2 25 | $4.7M | $120.8M | ||
| Q1 25 | $-81.0M | $87.1M | ||
| Q4 24 | $68.8M | $260.9M | ||
| Q3 24 | $28.6M | $100.1M | ||
| Q2 24 | $-509.0K | — | ||
| Q1 24 | $-63.8M | — |
| Q4 25 | — | 161.4% | ||
| Q3 25 | 19.3% | 34.2% | ||
| Q2 25 | 2.5% | 59.4% | ||
| Q1 25 | -44.5% | 49.9% | ||
| Q4 24 | 39.0% | 167.5% | ||
| Q3 24 | 17.0% | 67.4% | ||
| Q2 24 | -0.3% | — | ||
| Q1 24 | -37.1% | — |
| Q4 25 | — | 0.1% | ||
| Q3 25 | 0.3% | 0.0% | ||
| Q2 25 | 0.6% | 0.0% | ||
| Q1 25 | 0.5% | 0.0% | ||
| Q4 24 | 6.0% | 0.2% | ||
| Q3 24 | 1.8% | 0.1% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 0.4% | 0.0% |
| Q4 25 | 1.70× | — | ||
| Q3 25 | 3.19× | 1.63× | ||
| Q2 25 | 0.48× | 2.60× | ||
| Q1 25 | -4.44× | 2.03× | ||
| Q4 24 | 5.30× | — | ||
| Q3 24 | 2.76× | 3.29× | ||
| Q2 24 | 0.28× | 2.14× | ||
| Q1 24 | -4.61× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
