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Side-by-side financial comparison of MONRO, INC. (MNRO) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
MONRO, INC. is the larger business by last-quarter revenue ($293.4M 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 -4.0%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $9.1M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -2.7%).
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
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.
MNRO vs PLMR — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $293.4M | $253.4M |
| Net Profit | $11.1M | — |
| Gross Margin | 34.9% | — |
| Operating Margin | 6.3% | 28.7% |
| Net Margin | 3.8% | — |
| Revenue YoY | -4.0% | 62.7% |
| Net Profit YoY | 143.1% | — |
| EPS (diluted) | $0.35 | $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 | $293.4M | $253.4M | ||
| Q3 25 | $288.9M | $244.7M | ||
| Q2 25 | $301.0M | $203.3M | ||
| Q1 25 | $295.0M | $174.6M | ||
| Q4 24 | $305.8M | $155.8M | ||
| Q3 24 | $301.4M | $148.5M | ||
| Q2 24 | $293.2M | $131.1M | ||
| Q1 24 | $310.1M | $118.5M |
| Q4 25 | $11.1M | — | ||
| Q3 25 | $5.7M | $51.5M | ||
| Q2 25 | $-8.1M | $46.5M | ||
| Q1 25 | $-21.3M | $42.9M | ||
| Q4 24 | $4.6M | — | ||
| Q3 24 | $5.6M | $30.5M | ||
| Q2 24 | $5.9M | $25.7M | ||
| Q1 24 | $3.7M | $26.4M |
| Q4 25 | 34.9% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 35.5% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 35.3% | — | ||
| Q2 24 | 37.2% | — | ||
| Q1 24 | 35.5% | — |
| Q4 25 | 6.3% | 28.7% | ||
| Q3 25 | 4.4% | 27.4% | ||
| Q2 25 | -2.0% | 29.5% | ||
| Q1 25 | -8.1% | 30.8% | ||
| Q4 24 | 3.3% | 28.9% | ||
| Q3 24 | 4.4% | 25.9% | ||
| Q2 24 | 4.5% | 25.5% | ||
| Q1 24 | 3.3% | 29.0% |
| Q4 25 | 3.8% | — | ||
| Q3 25 | 2.0% | 21.0% | ||
| Q2 25 | -2.7% | 22.9% | ||
| Q1 25 | -7.2% | 24.6% | ||
| Q4 24 | 1.5% | — | ||
| Q3 24 | 1.9% | 20.5% | ||
| Q2 24 | 2.0% | 19.6% | ||
| Q1 24 | 1.2% | 22.3% |
| Q4 25 | $0.35 | $2.05 | ||
| Q3 25 | $0.18 | $1.87 | ||
| Q2 25 | $-0.28 | $1.68 | ||
| Q1 25 | $-0.74 | $1.57 | ||
| Q4 24 | $0.15 | $1.29 | ||
| Q3 24 | $0.18 | $1.15 | ||
| Q2 24 | $0.19 | $1.00 | ||
| Q1 24 | $0.12 | $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 | $4.9M | $106.9M |
| Total DebtLower is stronger | $45.0M | — |
| Stockholders' EquityBook value | $604.9M | $942.7M |
| Total Assets | $1.6B | $3.1B |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | $106.9M | ||
| Q3 25 | $10.5M | $111.7M | ||
| Q2 25 | $7.8M | $81.3M | ||
| Q1 25 | $20.8M | $119.3M | ||
| Q4 24 | $10.2M | $80.4M | ||
| Q3 24 | $20.9M | $86.5M | ||
| Q2 24 | $18.7M | $47.8M | ||
| Q1 24 | $6.6M | $61.4M |
| Q4 25 | $45.0M | — | ||
| Q3 25 | $60.0M | — | ||
| Q2 25 | $71.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $112.0M | — | ||
| Q1 24 | $102.0M | — |
| Q4 25 | $604.9M | $942.7M | ||
| Q3 25 | $601.7M | $878.1M | ||
| Q2 25 | $604.9M | $847.2M | ||
| Q1 25 | $620.8M | $790.4M | ||
| Q4 24 | $648.9M | $729.0M | ||
| Q3 24 | $651.9M | $703.3M | ||
| Q2 24 | $654.4M | $532.6M | ||
| Q1 24 | $656.8M | $501.7M |
| Q4 25 | $1.6B | $3.1B | ||
| Q3 25 | $1.6B | $2.9B | ||
| Q2 25 | $1.6B | $2.8B | ||
| Q1 25 | $1.6B | $2.4B | ||
| Q4 24 | $1.7B | $2.3B | ||
| Q3 24 | $1.7B | $2.3B | ||
| Q2 24 | $1.7B | $2.0B | ||
| Q1 24 | $1.7B | $1.9B |
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.16× | — |
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 | $17.8M | $409.1M |
| Free Cash FlowOCF − Capex | $9.1M | $409.0M |
| FCF MarginFCF / Revenue | 3.1% | 161.4% |
| Capex IntensityCapex / Revenue | 3.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 1.60× | — |
| TTM Free Cash FlowTrailing 4 quarters | $49.6M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $409.1M | ||
| Q3 25 | $32.3M | $83.6M | ||
| Q2 25 | $-1.9M | $120.9M | ||
| Q1 25 | $28.9M | $87.2M | ||
| Q4 24 | $14.8M | $261.2M | ||
| Q3 24 | $62.6M | $100.3M | ||
| Q2 24 | $25.6M | $55.1M | ||
| Q1 24 | $-5.3M | $33.1M |
| Q4 25 | $9.1M | $409.0M | ||
| Q3 25 | $26.6M | $83.6M | ||
| Q2 25 | $-9.3M | $120.8M | ||
| Q1 25 | $23.2M | $87.1M | ||
| Q4 24 | $7.9M | $260.9M | ||
| Q3 24 | $57.6M | $100.1M | ||
| Q2 24 | $16.8M | — | ||
| Q1 24 | $-11.9M | — |
| Q4 25 | 3.1% | 161.4% | ||
| Q3 25 | 9.2% | 34.2% | ||
| Q2 25 | -3.1% | 59.4% | ||
| Q1 25 | 7.9% | 49.9% | ||
| Q4 24 | 2.6% | 167.5% | ||
| Q3 24 | 19.1% | 67.4% | ||
| Q2 24 | 5.7% | — | ||
| Q1 24 | -3.8% | — |
| Q4 25 | 3.0% | 0.1% | ||
| Q3 25 | 2.0% | 0.0% | ||
| Q2 25 | 2.5% | 0.0% | ||
| Q1 25 | 1.9% | 0.0% | ||
| Q4 24 | 2.2% | 0.2% | ||
| Q3 24 | 1.6% | 0.1% | ||
| Q2 24 | 3.0% | 0.0% | ||
| Q1 24 | 2.1% | 0.0% |
| Q4 25 | 1.60× | — | ||
| Q3 25 | 5.71× | 1.63× | ||
| Q2 25 | — | 2.60× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | 3.23× | — | ||
| Q3 24 | 11.08× | 3.29× | ||
| Q2 24 | 4.37× | 2.14× | ||
| Q1 24 | -1.42× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
PLMR
Segment breakdown not available.
