vs
Side-by-side financial comparison of Claritev Corp (CTEV) 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 $246.6M, roughly 1.0× Claritev Corp). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 6.2%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $36.4M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 2.5%).
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.
CTEV vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $246.6M | $253.4M |
| Net Profit | $-80.6M | — |
| Gross Margin | — | — |
| Operating Margin | -3.1% | 28.7% |
| Net Margin | -32.7% | — |
| Revenue YoY | 6.2% | 62.7% |
| Net Profit YoY | 41.6% | — |
| EPS (diluted) | $-4.88 | $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 | $246.6M | $253.4M | ||
| Q3 25 | $246.0M | $244.7M | ||
| Q2 25 | $241.6M | $203.3M | ||
| Q1 25 | $231.3M | $174.6M | ||
| Q4 24 | $232.1M | $155.8M | ||
| Q3 24 | $230.5M | $148.5M | ||
| Q2 24 | $233.5M | $131.1M | ||
| Q1 24 | $234.5M | $118.5M |
| Q4 25 | $-80.6M | — | ||
| Q3 25 | $-69.8M | $51.5M | ||
| Q2 25 | $-62.6M | $46.5M | ||
| Q1 25 | $-71.3M | $42.9M | ||
| Q4 24 | $-138.0M | — | ||
| Q3 24 | $-391.4M | $30.5M | ||
| Q2 24 | $-576.7M | $25.7M | ||
| Q1 24 | $-539.7M | $26.4M |
| Q4 25 | -3.1% | 28.7% | ||
| Q3 25 | 4.1% | 27.4% | ||
| Q2 25 | 6.9% | 29.5% | ||
| Q1 25 | 4.2% | 30.8% | ||
| Q4 24 | -17.8% | 28.9% | ||
| Q3 24 | -146.7% | 25.9% | ||
| Q2 24 | -224.4% | 25.5% | ||
| Q1 24 | -207.4% | 29.0% |
| Q4 25 | -32.7% | — | ||
| Q3 25 | -28.4% | 21.0% | ||
| Q2 25 | -25.9% | 22.9% | ||
| Q1 25 | -30.8% | 24.6% | ||
| Q4 24 | -59.4% | — | ||
| Q3 24 | -169.8% | 20.5% | ||
| Q2 24 | -247.0% | 19.6% | ||
| Q1 24 | -230.1% | 22.3% |
| Q4 25 | $-4.88 | $2.05 | ||
| Q3 25 | $-4.23 | $1.87 | ||
| Q2 25 | $-3.81 | $1.68 | ||
| Q1 25 | $-4.38 | $1.57 | ||
| Q4 24 | $-8.49 | $1.29 | ||
| Q3 24 | $-24.25 | $1.15 | ||
| Q2 24 | $-35.78 | $1.00 | ||
| Q1 24 | $-33.40 | $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 | $16.8M | $106.9M |
| Total DebtLower is stronger | $4.6B | — |
| Stockholders' EquityBook value | $-173.9M | $942.7M |
| Total Assets | $4.9B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.8M | $106.9M | ||
| Q3 25 | $39.2M | $111.7M | ||
| Q2 25 | $56.4M | $81.3M | ||
| Q1 25 | $23.1M | $119.3M | ||
| Q4 24 | $16.8M | $80.4M | ||
| Q3 24 | $86.6M | $86.5M | ||
| Q2 24 | $48.8M | $47.8M | ||
| Q1 24 | $58.7M | $61.4M |
| Q4 25 | $4.6B | — | ||
| Q3 25 | $4.5B | — | ||
| Q2 25 | $4.5B | — | ||
| Q1 25 | $4.5B | — | ||
| Q4 24 | $4.5B | — | ||
| Q3 24 | $4.5B | — | ||
| Q2 24 | $4.5B | — | ||
| Q1 24 | $4.5B | — |
| Q4 25 | $-173.9M | $942.7M | ||
| Q3 25 | $-101.8M | $878.1M | ||
| Q2 25 | $-39.9M | $847.2M | ||
| Q1 25 | $14.8M | $790.4M | ||
| Q4 24 | $84.0M | $729.0M | ||
| Q3 24 | $207.6M | $703.3M | ||
| Q2 24 | $603.4M | $532.6M | ||
| Q1 24 | $1.2B | $501.7M |
| Q4 25 | $4.9B | $3.1B | ||
| Q3 25 | $5.0B | $2.9B | ||
| Q2 25 | $5.1B | $2.8B | ||
| Q1 25 | $5.1B | $2.4B | ||
| Q4 24 | $5.2B | $2.3B | ||
| Q3 24 | $5.3B | $2.3B | ||
| Q2 24 | $5.7B | $2.0B | ||
| Q1 24 | $6.4B | $1.9B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 304.87× | — | ||
| Q4 24 | 53.67× | — | ||
| Q3 24 | 21.73× | — | ||
| Q2 24 | 7.48× | — | ||
| Q1 24 | 3.85× | — |
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 | $66.3M | $409.1M |
| Free Cash FlowOCF − Capex | $36.4M | $409.0M |
| FCF MarginFCF / Revenue | 14.8% | 161.4% |
| Capex IntensityCapex / Revenue | 12.1% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-12.3M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $66.3M | $409.1M | ||
| Q3 25 | $19.9M | $83.6M | ||
| Q2 25 | $61.2M | $120.9M | ||
| Q1 25 | $-30.1M | $87.2M | ||
| Q4 24 | $-33.4M | $261.2M | ||
| Q3 24 | $72.8M | $100.3M | ||
| Q2 24 | $18.5M | $55.1M | ||
| Q1 24 | $49.7M | $33.1M |
| Q4 25 | $36.4M | $409.0M | ||
| Q3 25 | $-16.3M | $83.6M | ||
| Q2 25 | $36.6M | $120.8M | ||
| Q1 25 | $-68.9M | $87.1M | ||
| Q4 24 | $-63.8M | $260.9M | ||
| Q3 24 | $41.1M | $100.1M | ||
| Q2 24 | $-7.0M | — | ||
| Q1 24 | $19.2M | — |
| Q4 25 | 14.8% | 161.4% | ||
| Q3 25 | -6.6% | 34.2% | ||
| Q2 25 | 15.2% | 59.4% | ||
| Q1 25 | -29.8% | 49.9% | ||
| Q4 24 | -27.5% | 167.5% | ||
| Q3 24 | 17.8% | 67.4% | ||
| Q2 24 | -3.0% | — | ||
| Q1 24 | 8.2% | — |
| Q4 25 | 12.1% | 0.1% | ||
| Q3 25 | 14.7% | 0.0% | ||
| Q2 25 | 10.2% | 0.0% | ||
| Q1 25 | 16.8% | 0.0% | ||
| Q4 24 | 13.1% | 0.2% | ||
| Q3 24 | 13.8% | 0.1% | ||
| Q2 24 | 10.9% | 0.0% | ||
| Q1 24 | 13.0% | 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.
