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Side-by-side financial comparison of Dine Brands Global, Inc. (DIN) 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 $217.6M, roughly 1.2× Dine Brands Global, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 6.3%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-8.6M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 2.7%).
Dine Brands Global Inc. is a publicly traded food and beverage company based in Pasadena, California. Founded in 1958 as IHOP, it operates franchised and corporate owned full-service restaurants including three restaurant concepts, Applebee's Neighborhood Grill & Bar, International House of Pancakes (IHOP), and Fuzzy's Taco Shop.
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.
DIN vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $217.6M | $253.4M |
| Net Profit | $-12.2M | — |
| Gross Margin | 42.4% | — |
| Operating Margin | -7.6% | 28.7% |
| Net Margin | -5.6% | — |
| Revenue YoY | 6.3% | 62.7% |
| Net Profit YoY | -336.1% | — |
| EPS (diluted) | $-0.79 | $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 | $217.6M | $253.4M | ||
| Q3 25 | $216.2M | $244.7M | ||
| Q2 25 | $230.8M | $203.3M | ||
| Q1 25 | $214.8M | $174.6M | ||
| Q4 24 | $204.8M | $155.8M | ||
| Q3 24 | $195.0M | $148.5M | ||
| Q2 24 | $206.3M | $131.1M | ||
| Q1 24 | $206.2M | $118.5M |
| Q4 25 | $-12.2M | — | ||
| Q3 25 | $7.3M | $51.5M | ||
| Q2 25 | $13.8M | $46.5M | ||
| Q1 25 | $8.2M | $42.9M | ||
| Q4 24 | $5.2M | — | ||
| Q3 24 | $19.1M | $30.5M | ||
| Q2 24 | $23.2M | $25.7M | ||
| Q1 24 | $17.5M | $26.4M |
| Q4 25 | 42.4% | — | ||
| Q3 25 | 39.1% | — | ||
| Q2 25 | 40.0% | — | ||
| Q1 25 | 42.0% | — | ||
| Q4 24 | 41.7% | — | ||
| Q3 24 | 47.8% | — | ||
| Q2 24 | 48.1% | — | ||
| Q1 24 | 47.2% | — |
| Q4 25 | -7.6% | 28.7% | ||
| Q3 25 | 4.7% | 27.4% | ||
| Q2 25 | 8.2% | 29.5% | ||
| Q1 25 | 6.0% | 30.8% | ||
| Q4 24 | 3.8% | 28.9% | ||
| Q3 24 | 13.6% | 25.9% | ||
| Q2 24 | 15.1% | 25.5% | ||
| Q1 24 | 11.7% | 29.0% |
| Q4 25 | -5.6% | — | ||
| Q3 25 | 3.4% | 21.0% | ||
| Q2 25 | 6.0% | 22.9% | ||
| Q1 25 | 3.8% | 24.6% | ||
| Q4 24 | 2.5% | — | ||
| Q3 24 | 9.8% | 20.5% | ||
| Q2 24 | 11.2% | 19.6% | ||
| Q1 24 | 8.5% | 22.3% |
| Q4 25 | $-0.79 | $2.05 | ||
| Q3 25 | $0.48 | $1.87 | ||
| Q2 25 | $0.89 | $1.68 | ||
| Q1 25 | $0.53 | $1.57 | ||
| Q4 24 | $0.35 | $1.29 | ||
| Q3 24 | $1.24 | $1.15 | ||
| Q2 24 | $1.50 | $1.00 | ||
| Q1 24 | $1.13 | $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 | $128.2M | $106.9M |
| Total DebtLower is stronger | $1.2B | — |
| Stockholders' EquityBook value | $-273.9M | $942.7M |
| Total Assets | $1.7B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $128.2M | $106.9M | ||
| Q3 25 | $167.9M | $111.7M | ||
| Q2 25 | $194.2M | $81.3M | ||
| Q1 25 | $186.5M | $119.3M | ||
| Q4 24 | $186.7M | $80.4M | ||
| Q3 24 | $169.6M | $86.5M | ||
| Q2 24 | $153.5M | $47.8M | ||
| Q1 24 | $145.0M | $61.4M |
| Q4 25 | $1.2B | — | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $1.2B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.2B | — |
| Q4 25 | $-273.9M | $942.7M | ||
| Q3 25 | $-231.9M | $878.1M | ||
| Q2 25 | $-212.5M | $847.2M | ||
| Q1 25 | $-215.7M | $790.4M | ||
| Q4 24 | $-216.0M | $729.0M | ||
| Q3 24 | $-216.7M | $703.3M | ||
| Q2 24 | $-231.7M | $532.6M | ||
| Q1 24 | $-244.8M | $501.7M |
| Q4 25 | $1.7B | $3.1B | ||
| Q3 25 | $1.8B | $2.9B | ||
| Q2 25 | $1.8B | $2.8B | ||
| Q1 25 | $1.8B | $2.4B | ||
| Q4 24 | $1.8B | $2.3B | ||
| Q3 24 | $1.7B | $2.3B | ||
| Q2 24 | $1.7B | $2.0B | ||
| Q1 24 | $1.7B | $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 | $5.7M | $409.1M |
| Free Cash FlowOCF − Capex | $-8.6M | $409.0M |
| FCF MarginFCF / Revenue | -3.9% | 161.4% |
| Capex IntensityCapex / Revenue | 6.6% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $53.4M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.7M | $409.1M | ||
| Q3 25 | $30.2M | $83.6M | ||
| Q2 25 | $37.0M | $120.9M | ||
| Q1 25 | $16.1M | $87.2M | ||
| Q4 24 | $30.5M | $261.2M | ||
| Q3 24 | $25.5M | $100.3M | ||
| Q2 24 | $21.6M | $55.1M | ||
| Q1 24 | $30.6M | $33.1M |
| Q4 25 | $-8.6M | $409.0M | ||
| Q3 25 | $18.1M | $83.6M | ||
| Q2 25 | $31.0M | $120.8M | ||
| Q1 25 | $12.8M | $87.1M | ||
| Q4 24 | $26.7M | $260.9M | ||
| Q3 24 | $22.0M | $100.1M | ||
| Q2 24 | $18.2M | — | ||
| Q1 24 | $27.2M | — |
| Q4 25 | -3.9% | 161.4% | ||
| Q3 25 | 8.4% | 34.2% | ||
| Q2 25 | 13.4% | 59.4% | ||
| Q1 25 | 6.0% | 49.9% | ||
| Q4 24 | 13.0% | 167.5% | ||
| Q3 24 | 11.3% | 67.4% | ||
| Q2 24 | 8.8% | — | ||
| Q1 24 | 13.2% | — |
| Q4 25 | 6.6% | 0.1% | ||
| Q3 25 | 5.6% | 0.0% | ||
| Q2 25 | 2.6% | 0.0% | ||
| Q1 25 | 1.5% | 0.0% | ||
| Q4 24 | 1.9% | 0.2% | ||
| Q3 24 | 1.8% | 0.1% | ||
| Q2 24 | 1.7% | 0.0% | ||
| Q1 24 | 1.6% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | 4.12× | 1.63× | ||
| Q2 25 | 2.68× | 2.60× | ||
| Q1 25 | 1.97× | 2.03× | ||
| Q4 24 | 5.88× | — | ||
| Q3 24 | 1.34× | 3.29× | ||
| Q2 24 | 0.93× | 2.14× | ||
| Q1 24 | 1.75× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DIN
| Franchisor | $163.2M | 75% |
| Food And Beverage | $27.3M | 13% |
| Proprietary Product Sales And Other | $17.0M | 8% |
| Other | $8.1M | 4% |
| Franchise And Development Fees | $2.0M | 1% |
PLMR
Segment breakdown not available.
