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Side-by-side financial comparison of Lovesac Co (LOVE) 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 $150.2M, roughly 1.7× Lovesac Co). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 0.2%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-10.2M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -22.6%).
The Lovesac Company is an American furniture retailer, specializing in a patented modular furniture system called Sactionals. Sactionals consist of two combinable pieces, “Seats” and “Sides,” as well as custom-fit covers and associated accessories. Lovesac also sells Sacs, a bag seat filled with a proprietary foam mixture.
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.
LOVE vs PLMR — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $150.2M | $253.4M |
| Net Profit | $-10.6M | — |
| Gross Margin | 56.1% | — |
| Operating Margin | -10.5% | 28.7% |
| Net Margin | -7.0% | — |
| Revenue YoY | 0.2% | 62.7% |
| Net Profit YoY | -114.0% | — |
| EPS (diluted) | $-0.72 | $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 | $150.2M | $253.4M | ||
| Q3 25 | $160.5M | $244.7M | ||
| Q2 25 | $138.4M | $203.3M | ||
| Q1 25 | $241.5M | $174.6M | ||
| Q4 24 | $149.9M | $155.8M | ||
| Q3 24 | $156.6M | $148.5M | ||
| Q2 24 | $132.6M | $131.1M | ||
| Q1 24 | $250.5M | $118.5M |
| Q4 25 | $-10.6M | — | ||
| Q3 25 | $-6.7M | $51.5M | ||
| Q2 25 | $-10.8M | $46.5M | ||
| Q1 25 | $35.3M | $42.9M | ||
| Q4 24 | $-4.9M | — | ||
| Q3 24 | $-5.9M | $30.5M | ||
| Q2 24 | $-13.0M | $25.7M | ||
| Q1 24 | $31.0M | $26.4M |
| Q4 25 | 56.1% | — | ||
| Q3 25 | 56.4% | — | ||
| Q2 25 | 53.7% | — | ||
| Q1 25 | 60.4% | — | ||
| Q4 24 | 58.5% | — | ||
| Q3 24 | 59.0% | — | ||
| Q2 24 | 54.3% | — | ||
| Q1 24 | 59.7% | — |
| Q4 25 | -10.5% | 28.7% | ||
| Q3 25 | -5.5% | 27.4% | ||
| Q2 25 | -10.8% | 29.5% | ||
| Q1 25 | 19.7% | 30.8% | ||
| Q4 24 | -5.2% | 28.9% | ||
| Q3 24 | -5.3% | 25.9% | ||
| Q2 24 | -13.5% | 25.5% | ||
| Q1 24 | 16.1% | 29.0% |
| Q4 25 | -7.0% | — | ||
| Q3 25 | -4.1% | 21.0% | ||
| Q2 25 | -7.8% | 22.9% | ||
| Q1 25 | 14.6% | 24.6% | ||
| Q4 24 | -3.3% | — | ||
| Q3 24 | -3.7% | 20.5% | ||
| Q2 24 | -9.8% | 19.6% | ||
| Q1 24 | 12.4% | 22.3% |
| Q4 25 | $-0.72 | $2.05 | ||
| Q3 25 | $-0.45 | $1.87 | ||
| Q2 25 | $-0.73 | $1.68 | ||
| Q1 25 | $2.22 | $1.57 | ||
| Q4 24 | $-0.32 | $1.29 | ||
| Q3 24 | $-0.38 | $1.15 | ||
| Q2 24 | $-0.83 | $1.00 | ||
| Q1 24 | $1.91 | $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 | $23.7M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $189.3M | $942.7M |
| Total Assets | $495.5M | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.7M | $106.9M | ||
| Q3 25 | $34.2M | $111.7M | ||
| Q2 25 | $26.9M | $81.3M | ||
| Q1 25 | $83.7M | $119.3M | ||
| Q4 24 | $61.7M | $80.4M | ||
| Q3 24 | $72.1M | $86.5M | ||
| Q2 24 | $72.4M | $47.8M | ||
| Q1 24 | $87.0M | $61.4M |
| Q4 25 | $189.3M | $942.7M | ||
| Q3 25 | $197.5M | $878.1M | ||
| Q2 25 | $201.2M | $847.2M | ||
| Q1 25 | $216.4M | $790.4M | ||
| Q4 24 | $196.5M | $729.0M | ||
| Q3 24 | $202.1M | $703.3M | ||
| Q2 24 | $205.3M | $532.6M | ||
| Q1 24 | $217.5M | $501.7M |
| Q4 25 | $495.5M | $3.1B | ||
| Q3 25 | $493.7M | $2.9B | ||
| Q2 25 | $483.7M | $2.8B | ||
| Q1 25 | $532.3M | $2.4B | ||
| Q4 24 | $499.7M | $2.3B | ||
| Q3 24 | $481.1M | $2.3B | ||
| Q2 24 | $477.2M | $2.0B | ||
| Q1 24 | $482.2M | $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 | $-4.9M | $409.1M |
| Free Cash FlowOCF − Capex | $-10.2M | $409.0M |
| FCF MarginFCF / Revenue | -6.8% | 161.4% |
| Capex IntensityCapex / Revenue | 3.5% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-13.6M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-4.9M | $409.1M | ||
| Q3 25 | $12.2M | $83.6M | ||
| Q2 25 | $-41.4M | $120.9M | ||
| Q1 25 | $44.0M | $87.2M | ||
| Q4 24 | $-4.2M | $261.2M | ||
| Q3 24 | $6.2M | $100.3M | ||
| Q2 24 | $-7.0M | $55.1M | ||
| Q1 24 | $56.3M | $33.1M |
| Q4 25 | $-10.2M | $409.0M | ||
| Q3 25 | $7.8M | $83.6M | ||
| Q2 25 | $-50.0M | $120.8M | ||
| Q1 25 | $38.7M | $87.1M | ||
| Q4 24 | $-6.6M | $260.9M | ||
| Q3 24 | $119.0K | $100.1M | ||
| Q2 24 | $-14.3M | — | ||
| Q1 24 | $49.5M | — |
| Q4 25 | -6.8% | 161.4% | ||
| Q3 25 | 4.9% | 34.2% | ||
| Q2 25 | -36.1% | 59.4% | ||
| Q1 25 | 16.0% | 49.9% | ||
| Q4 24 | -4.4% | 167.5% | ||
| Q3 24 | 0.1% | 67.4% | ||
| Q2 24 | -10.8% | — | ||
| Q1 24 | 19.8% | — |
| Q4 25 | 3.5% | 0.1% | ||
| Q3 25 | 2.7% | 0.0% | ||
| Q2 25 | 6.2% | 0.0% | ||
| Q1 25 | 2.2% | 0.0% | ||
| Q4 24 | 1.6% | 0.2% | ||
| Q3 24 | 3.9% | 0.1% | ||
| Q2 24 | 5.5% | 0.0% | ||
| Q1 24 | 2.7% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 2.60× | ||
| Q1 25 | 1.25× | 2.03× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.29× | ||
| Q2 24 | — | 2.14× | ||
| Q1 24 | 1.82× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOVE
| Showrooms | $102.7M | 68% |
| Internet | $37.3M | 25% |
| Other | $10.2M | 7% |
PLMR
Segment breakdown not available.
