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Side-by-side financial comparison of Five9, Inc. (FIVN) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
Five9, Inc. is the larger business by last-quarter revenue ($300.3M vs $253.4M, roughly 1.2× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 7.8%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $77.3M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 10.3%).
Five9, Inc. is a leading global provider of cloud-native contact center software and solutions. It serves enterprises of all sizes across retail, healthcare, financial services, and technology sectors, offering omnichannel customer engagement tools, AI-powered automation, workforce management, and analytics to boost customer experience and operational efficiency.
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.
FIVN vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $300.3M | $253.4M |
| Net Profit | — | — |
| Gross Margin | 55.4% | — |
| Operating Margin | 6.6% | 28.7% |
| Net Margin | — | — |
| Revenue YoY | 7.8% | 62.7% |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.22 | $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 | $300.3M | $253.4M | ||
| Q3 25 | $285.8M | $244.7M | ||
| Q2 25 | $283.3M | $203.3M | ||
| Q1 25 | $279.7M | $174.6M | ||
| Q4 24 | $278.7M | $155.8M | ||
| Q3 24 | $264.2M | $148.5M | ||
| Q2 24 | $252.1M | $131.1M | ||
| Q1 24 | $247.0M | $118.5M |
| Q4 25 | — | — | ||
| Q3 25 | $18.0M | $51.5M | ||
| Q2 25 | $1.2M | $46.5M | ||
| Q1 25 | $576.0K | $42.9M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-4.5M | $30.5M | ||
| Q2 24 | $-12.8M | $25.7M | ||
| Q1 24 | $-7.1M | $26.4M |
| Q4 25 | 55.4% | — | ||
| Q3 25 | 55.0% | — | ||
| Q2 25 | 54.9% | — | ||
| Q1 25 | 55.0% | — | ||
| Q4 24 | 56.0% | — | ||
| Q3 24 | 53.8% | — | ||
| Q2 24 | 53.0% | — | ||
| Q1 24 | 53.6% | — |
| Q4 25 | 6.6% | 28.7% | ||
| Q3 25 | 5.6% | 27.4% | ||
| Q2 25 | -0.6% | 29.5% | ||
| Q1 25 | -1.9% | 30.8% | ||
| Q4 24 | 1.5% | 28.9% | ||
| Q3 24 | -5.8% | 25.9% | ||
| Q2 24 | -7.7% | 25.5% | ||
| Q1 24 | -8.4% | 29.0% |
| Q4 25 | — | — | ||
| Q3 25 | 6.3% | 21.0% | ||
| Q2 25 | 0.4% | 22.9% | ||
| Q1 25 | 0.2% | 24.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | -1.7% | 20.5% | ||
| Q2 24 | -5.1% | 19.6% | ||
| Q1 24 | -2.9% | 22.3% |
| Q4 25 | $0.22 | $2.05 | ||
| Q3 25 | $0.21 | $1.87 | ||
| Q2 25 | $0.01 | $1.68 | ||
| Q1 25 | $0.01 | $1.57 | ||
| Q4 24 | $0.16 | $1.29 | ||
| Q3 24 | $-0.06 | $1.15 | ||
| Q2 24 | $-0.17 | $1.00 | ||
| Q1 24 | $-0.10 | $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 | $232.1M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $785.8M | $942.7M |
| Total Assets | $1.8B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $232.1M | $106.9M | ||
| Q3 25 | $193.4M | $111.7M | ||
| Q2 25 | $205.5M | $81.3M | ||
| Q1 25 | $370.3M | $119.3M | ||
| Q4 24 | $362.5M | $80.4M | ||
| Q3 24 | $291.0M | $86.5M | ||
| Q2 24 | $175.7M | $47.8M | ||
| Q1 24 | $240.2M | $61.4M |
| Q4 25 | $785.8M | $942.7M | ||
| Q3 25 | $775.3M | $878.1M | ||
| Q2 25 | $717.4M | $847.2M | ||
| Q1 25 | $664.3M | $790.4M | ||
| Q4 24 | $622.2M | $729.0M | ||
| Q3 24 | $565.6M | $703.3M | ||
| Q2 24 | $525.9M | $532.6M | ||
| Q1 24 | $483.6M | $501.7M |
| Q4 25 | $1.8B | $3.1B | ||
| Q3 25 | $1.8B | $2.9B | ||
| Q2 25 | $1.7B | $2.8B | ||
| Q1 25 | $2.1B | $2.4B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.0B | $2.3B | ||
| Q2 24 | $1.9B | $2.0B | ||
| Q1 24 | $1.9B | $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 | $83.6M | $409.1M |
| Free Cash FlowOCF − Capex | $77.3M | $409.0M |
| FCF MarginFCF / Revenue | 25.8% | 161.4% |
| Capex IntensityCapex / Revenue | 2.1% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $201.2M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.6M | $409.1M | ||
| Q3 25 | $59.2M | $83.6M | ||
| Q2 25 | $35.1M | $120.9M | ||
| Q1 25 | $48.4M | $87.2M | ||
| Q4 24 | $49.8M | $261.2M | ||
| Q3 24 | $41.1M | $100.3M | ||
| Q2 24 | $19.9M | $55.1M | ||
| Q1 24 | $32.4M | $33.1M |
| Q4 25 | $77.3M | $409.0M | ||
| Q3 25 | $48.7M | $83.6M | ||
| Q2 25 | $31.6M | $120.8M | ||
| Q1 25 | $43.7M | $87.1M | ||
| Q4 24 | $40.5M | $260.9M | ||
| Q3 24 | $26.7M | $100.1M | ||
| Q2 24 | $13.1M | — | ||
| Q1 24 | $20.4M | — |
| Q4 25 | 25.8% | 161.4% | ||
| Q3 25 | 17.0% | 34.2% | ||
| Q2 25 | 11.1% | 59.4% | ||
| Q1 25 | 15.6% | 49.9% | ||
| Q4 24 | 14.5% | 167.5% | ||
| Q3 24 | 10.1% | 67.4% | ||
| Q2 24 | 5.2% | — | ||
| Q1 24 | 8.3% | — |
| Q4 25 | 2.1% | 0.1% | ||
| Q3 25 | 3.7% | 0.0% | ||
| Q2 25 | 1.2% | 0.0% | ||
| Q1 25 | 1.7% | 0.0% | ||
| Q4 24 | 3.3% | 0.2% | ||
| Q3 24 | 5.4% | 0.1% | ||
| Q2 24 | 2.7% | 0.0% | ||
| Q1 24 | 4.8% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | 3.29× | 1.63× | ||
| Q2 25 | 30.38× | 2.60× | ||
| Q1 25 | 84.00× | 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.
