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Side-by-side financial comparison of Krispy Kreme, Inc. (DNUT) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
Krispy Kreme, Inc. is the larger business by last-quarter revenue ($392.4M vs $253.4M, roughly 1.5× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -2.9%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $27.9M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -5.9%).
Krispy Kreme, Inc. is an American multinational doughnut company and coffeehouse chain. Krispy Kreme was founded by Vernon Rudolph (1915–1973), who bought a yeast-raised recipe from a New Orleans chef, rented a building in 1937 in what is now historic Old Salem in Winston-Salem, North Carolina, and began selling to local grocery stores. Steady growth preceded an ambitious expansion as a public company in the period 2000 to 2016, which ultimately proved unprofitable. In 2016, the company retur...
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.
DNUT vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $392.4M | $253.4M |
| Net Profit | $-27.8M | — |
| Gross Margin | — | — |
| Operating Margin | -1.9% | 28.7% |
| Net Margin | -7.1% | — |
| Revenue YoY | -2.9% | 62.7% |
| Net Profit YoY | -23.8% | — |
| EPS (diluted) | $-0.18 | $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 | $392.4M | $253.4M | ||
| Q3 25 | $375.3M | $244.7M | ||
| Q2 25 | $379.8M | $203.3M | ||
| Q1 25 | $375.2M | $174.6M | ||
| Q4 24 | $404.0M | $155.8M | ||
| Q3 24 | $379.9M | $148.5M | ||
| Q2 24 | $438.8M | $131.1M | ||
| Q1 24 | $442.7M | $118.5M |
| Q4 25 | $-27.8M | — | ||
| Q3 25 | $-19.4M | $51.5M | ||
| Q2 25 | $-435.3M | $46.5M | ||
| Q1 25 | $-33.3M | $42.9M | ||
| Q4 24 | $-22.4M | — | ||
| Q3 24 | $39.6M | $30.5M | ||
| Q2 24 | $-5.5M | $25.7M | ||
| Q1 24 | $-8.5M | $26.4M |
| Q4 25 | -1.9% | 28.7% | ||
| Q3 25 | -1.9% | 27.4% | ||
| Q2 25 | -114.4% | 29.5% | ||
| Q1 25 | -5.4% | 30.8% | ||
| Q4 24 | -2.8% | 28.9% | ||
| Q3 24 | -4.2% | 25.9% | ||
| Q2 24 | 1.6% | 25.5% | ||
| Q1 24 | 2.7% | 29.0% |
| Q4 25 | -7.1% | — | ||
| Q3 25 | -5.2% | 21.0% | ||
| Q2 25 | -114.6% | 22.9% | ||
| Q1 25 | -8.9% | 24.6% | ||
| Q4 24 | -5.6% | — | ||
| Q3 24 | 10.4% | 20.5% | ||
| Q2 24 | -1.3% | 19.6% | ||
| Q1 24 | -1.9% | 22.3% |
| Q4 25 | $-0.18 | $2.05 | ||
| Q3 25 | $-0.11 | $1.87 | ||
| Q2 25 | $-2.55 | $1.68 | ||
| Q1 25 | $-0.20 | $1.57 | ||
| Q4 24 | $-0.13 | $1.29 | ||
| Q3 24 | $0.23 | $1.15 | ||
| Q2 24 | $-0.03 | $1.00 | ||
| Q1 24 | $-0.05 | $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 | $42.4M | $106.9M |
| Total DebtLower is stronger | $911.9M | — |
| Stockholders' EquityBook value | $650.1M | $942.7M |
| Total Assets | $2.6B | $3.1B |
| Debt / EquityLower = less leverage | 1.40× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $42.4M | $106.9M | ||
| Q3 25 | $30.7M | $111.7M | ||
| Q2 25 | $21.3M | $81.3M | ||
| Q1 25 | $18.7M | $119.3M | ||
| Q4 24 | $29.0M | $80.4M | ||
| Q3 24 | $25.4M | $86.5M | ||
| Q2 24 | $28.6M | $47.8M | ||
| Q1 24 | $33.1M | $61.4M |
| Q4 25 | $911.9M | — | ||
| Q3 25 | $906.2M | — | ||
| Q2 25 | $889.4M | — | ||
| Q1 25 | $935.0M | — | ||
| Q4 24 | $844.5M | — | ||
| Q3 24 | $804.6M | — | ||
| Q2 24 | $895.0M | — | ||
| Q1 24 | $881.8M | — |
| Q4 25 | $650.1M | $942.7M | ||
| Q3 25 | $670.3M | $878.1M | ||
| Q2 25 | $693.6M | $847.2M | ||
| Q1 25 | $1.1B | $790.4M | ||
| Q4 24 | $1.1B | $729.0M | ||
| Q3 24 | $1.2B | $703.3M | ||
| Q2 24 | $1.1B | $532.6M | ||
| Q1 24 | $1.2B | $501.7M |
| Q4 25 | $2.6B | $3.1B | ||
| Q3 25 | $2.6B | $2.9B | ||
| Q2 25 | $2.6B | $2.8B | ||
| Q1 25 | $3.1B | $2.4B | ||
| Q4 24 | $3.1B | $2.3B | ||
| Q3 24 | $3.1B | $2.3B | ||
| Q2 24 | $3.2B | $2.0B | ||
| Q1 24 | $3.2B | $1.9B |
| Q4 25 | 1.40× | — | ||
| Q3 25 | 1.35× | — | ||
| Q2 25 | 1.28× | — | ||
| Q1 25 | 0.85× | — | ||
| Q4 24 | 0.74× | — | ||
| Q3 24 | 0.68× | — | ||
| Q2 24 | 0.79× | — | ||
| Q1 24 | 0.76× | — |
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 | $45.0M | $409.1M |
| Free Cash FlowOCF − Capex | $27.9M | $409.0M |
| FCF MarginFCF / Revenue | 7.1% | 161.4% |
| Capex IntensityCapex / Revenue | 4.4% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-64.0M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.0M | $409.1M | ||
| Q3 25 | $42.3M | $83.6M | ||
| Q2 25 | $-32.5M | $120.9M | ||
| Q1 25 | $-20.8M | $87.2M | ||
| Q4 24 | $27.0M | $261.2M | ||
| Q3 24 | $3.3M | $100.3M | ||
| Q2 24 | $33.2M | $55.1M | ||
| Q1 24 | $-17.7M | $33.1M |
| Q4 25 | $27.9M | $409.0M | ||
| Q3 25 | $15.5M | $83.6M | ||
| Q2 25 | $-60.8M | $120.8M | ||
| Q1 25 | $-46.7M | $87.1M | ||
| Q4 24 | $-6.9M | $260.9M | ||
| Q3 24 | $-22.9M | $100.1M | ||
| Q2 24 | $1.6M | — | ||
| Q1 24 | $-46.8M | — |
| Q4 25 | 7.1% | 161.4% | ||
| Q3 25 | 4.1% | 34.2% | ||
| Q2 25 | -16.0% | 59.4% | ||
| Q1 25 | -12.5% | 49.9% | ||
| Q4 24 | -1.7% | 167.5% | ||
| Q3 24 | -6.0% | 67.4% | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | -10.6% | — |
| Q4 25 | 4.4% | 0.1% | ||
| Q3 25 | 7.1% | 0.0% | ||
| Q2 25 | 7.4% | 0.0% | ||
| Q1 25 | 6.9% | 0.0% | ||
| Q4 24 | 8.4% | 0.2% | ||
| Q3 24 | 6.9% | 0.1% | ||
| Q2 24 | 7.2% | 0.0% | ||
| Q1 24 | 6.6% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 2.60× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.08× | 3.29× | ||
| Q2 24 | — | 2.14× | ||
| Q1 24 | — | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
