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Side-by-side financial comparison of Dayforce (DAY) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
Dayforce is the larger business by last-quarter revenue ($481.6M vs $253.4M, roughly 1.9× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 9.5%). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 9.8%).
Dayforce, Inc., formerly Ceridian, is an American human resources software and services company.
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.
DAY vs PLMR — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $481.6M | $253.4M |
| Net Profit | $-196.8M | — |
| Gross Margin | — | — |
| Operating Margin | 6.3% | 28.7% |
| Net Margin | -40.9% | — |
| Revenue YoY | 9.5% | 62.7% |
| Net Profit YoY | -9940.0% | — |
| EPS (diluted) | $-1.23 | $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 | — | $253.4M | ||
| Q3 25 | $481.6M | $244.7M | ||
| Q2 25 | $464.7M | $203.3M | ||
| Q1 25 | $481.8M | $174.6M | ||
| Q4 24 | $465.2M | $155.8M | ||
| Q3 24 | $440.0M | $148.5M | ||
| Q2 24 | $423.3M | $131.1M | ||
| Q1 24 | $431.5M | $118.5M |
| Q4 25 | — | — | ||
| Q3 25 | $-196.8M | $51.5M | ||
| Q2 25 | $21.3M | $46.5M | ||
| Q1 25 | $14.9M | $42.9M | ||
| Q4 24 | $10.8M | — | ||
| Q3 24 | $2.0M | $30.5M | ||
| Q2 24 | $-1.8M | $25.7M | ||
| Q1 24 | $7.1M | $26.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — | ||
| Q1 24 | 47.6% | — |
| Q4 25 | — | 28.7% | ||
| Q3 25 | 6.3% | 27.4% | ||
| Q2 25 | 9.1% | 29.5% | ||
| Q1 25 | 6.4% | 30.8% | ||
| Q4 24 | 6.1% | 28.9% | ||
| Q3 24 | 4.7% | 25.9% | ||
| Q2 24 | 3.3% | 25.5% | ||
| Q1 24 | 9.4% | 29.0% |
| Q4 25 | — | — | ||
| Q3 25 | -40.9% | 21.0% | ||
| Q2 25 | 4.6% | 22.9% | ||
| Q1 25 | 3.1% | 24.6% | ||
| Q4 24 | 2.3% | — | ||
| Q3 24 | 0.5% | 20.5% | ||
| Q2 24 | -0.4% | 19.6% | ||
| Q1 24 | 1.6% | 22.3% |
| Q4 25 | — | $2.05 | ||
| Q3 25 | $-1.23 | $1.87 | ||
| Q2 25 | $0.13 | $1.68 | ||
| Q1 25 | $0.09 | $1.57 | ||
| Q4 24 | $0.07 | $1.29 | ||
| Q3 24 | $0.01 | $1.15 | ||
| Q2 24 | $-0.01 | $1.00 | ||
| Q1 24 | $0.04 | $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 | $627.6M | $106.9M |
| Total DebtLower is stronger | $631.1M | — |
| Stockholders' EquityBook value | $2.7B | $942.7M |
| Total Assets | $8.7B | $3.1B |
| Debt / EquityLower = less leverage | 0.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $106.9M | ||
| Q3 25 | $627.6M | $111.7M | ||
| Q2 25 | $625.2M | $81.3M | ||
| Q1 25 | $557.3M | $119.3M | ||
| Q4 24 | $579.7M | $80.4M | ||
| Q3 24 | $494.1M | $86.5M | ||
| Q2 24 | $465.4M | $47.8M | ||
| Q1 24 | $392.5M | $61.4M |
| Q4 25 | — | — | ||
| Q3 25 | $631.1M | — | ||
| Q2 25 | $631.8M | — | ||
| Q1 25 | $632.4M | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.2B | — |
| Q4 25 | — | $942.7M | ||
| Q3 25 | $2.7B | $878.1M | ||
| Q2 25 | $2.7B | $847.2M | ||
| Q1 25 | $2.6B | $790.4M | ||
| Q4 24 | $2.5B | $729.0M | ||
| Q3 24 | $2.6B | $703.3M | ||
| Q2 24 | $2.5B | $532.6M | ||
| Q1 24 | $2.4B | $501.7M |
| Q4 25 | — | $3.1B | ||
| Q3 25 | $8.7B | $2.9B | ||
| Q2 25 | $8.5B | $2.8B | ||
| Q1 25 | $9.5B | $2.4B | ||
| Q4 24 | $9.1B | $2.3B | ||
| Q3 24 | $8.1B | $2.3B | ||
| Q2 24 | $9.0B | $2.0B | ||
| Q1 24 | $10.8B | $1.9B |
| Q4 25 | — | — | ||
| Q3 25 | 0.23× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.47× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.49× | — | ||
| Q1 24 | 0.50× | — |
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 | $31.2M | $409.1M |
| Free Cash FlowOCF − Capex | — | $409.0M |
| FCF MarginFCF / Revenue | — | 161.4% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $409.1M | ||
| Q3 25 | $31.2M | $83.6M | ||
| Q2 25 | $112.7M | $120.9M | ||
| Q1 25 | $49.6M | $87.2M | ||
| Q4 24 | $81.0M | $261.2M | ||
| Q3 24 | $91.8M | $100.3M | ||
| Q2 24 | $99.2M | $55.1M | ||
| Q1 24 | $9.1M | $33.1M |
| Q4 25 | — | $409.0M | ||
| Q3 25 | — | $83.6M | ||
| Q2 25 | — | $120.8M | ||
| Q1 25 | — | $87.1M | ||
| Q4 24 | — | $260.9M | ||
| Q3 24 | — | $100.1M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 161.4% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 59.4% | ||
| Q1 25 | — | 49.9% | ||
| Q4 24 | — | 167.5% | ||
| Q3 24 | — | 67.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | 5.29× | 2.60× | ||
| Q1 25 | 3.33× | 2.03× | ||
| Q4 24 | 7.50× | — | ||
| Q3 24 | 45.90× | 3.29× | ||
| Q2 24 | — | 2.14× | ||
| Q1 24 | 1.28× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
PLMR
Segment breakdown not available.
