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Side-by-side financial comparison of OneStream, Inc. (OS) 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 $163.7M, roughly 1.5× OneStream, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 23.6%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $25.6M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 21.8%).
Blue Stream provides cable television, cable telephone, DVR, and up to 1 GIG Internet speed broadband services to customers in the Florida communities of Coral Springs and Weston.
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.
OS vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $163.7M | $253.4M |
| Net Profit | $999.0K | — |
| Gross Margin | 69.8% | — |
| Operating Margin | -3.2% | 28.7% |
| Net Margin | 0.6% | — |
| Revenue YoY | 23.6% | 62.7% |
| Net Profit YoY | — | — |
| EPS (diluted) | — | $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 | $163.7M | $253.4M | ||
| Q3 25 | $154.3M | $244.7M | ||
| Q2 25 | $147.6M | $203.3M | ||
| Q1 25 | $136.3M | $174.6M | ||
| Q4 24 | $132.5M | $155.8M | ||
| Q3 24 | $129.1M | $148.5M | ||
| Q2 24 | $117.5M | $131.1M | ||
| Q1 24 | $110.3M | $118.5M |
| Q4 25 | $999.0K | — | ||
| Q3 25 | $-8.8M | $51.5M | ||
| Q2 25 | $-18.4M | $46.5M | ||
| Q1 25 | $-24.0M | $42.9M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-171.9M | $30.5M | ||
| Q2 24 | $-7.8M | $25.7M | ||
| Q1 24 | $-5.0M | $26.4M |
| Q4 25 | 69.8% | — | ||
| Q3 25 | 68.1% | — | ||
| Q2 25 | 68.6% | — | ||
| Q1 25 | 68.0% | — | ||
| Q4 24 | 66.8% | — | ||
| Q3 24 | 50.1% | — | ||
| Q2 24 | 68.5% | — | ||
| Q1 24 | 69.1% | — |
| Q4 25 | -3.2% | 28.7% | ||
| Q3 25 | -11.3% | 27.4% | ||
| Q2 25 | -21.8% | 29.5% | ||
| Q1 25 | -29.3% | 30.8% | ||
| Q4 24 | -35.8% | 28.9% | ||
| Q3 24 | -197.6% | 25.9% | ||
| Q2 24 | -9.8% | 25.5% | ||
| Q1 24 | -4.9% | 29.0% |
| Q4 25 | 0.6% | — | ||
| Q3 25 | -5.7% | 21.0% | ||
| Q2 25 | -12.5% | 22.9% | ||
| Q1 25 | -17.6% | 24.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | -133.1% | 20.5% | ||
| Q2 24 | -6.7% | 19.6% | ||
| Q1 24 | -4.5% | 22.3% |
| Q4 25 | — | $2.05 | ||
| Q3 25 | — | $1.87 | ||
| Q2 25 | — | $1.68 | ||
| Q1 25 | — | $1.57 | ||
| Q4 24 | — | $1.29 | ||
| Q3 24 | $-1.06 | $1.15 | ||
| Q2 24 | — | $1.00 | ||
| Q1 24 | — | $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 | $693.6M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $504.7M | $942.7M |
| Total Assets | $1.0B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $693.6M | $106.9M | ||
| Q3 25 | $653.9M | $111.7M | ||
| Q2 25 | $652.1M | $81.3M | ||
| Q1 25 | $593.9M | $119.3M | ||
| Q4 24 | $544.2M | $80.4M | ||
| Q3 24 | $495.5M | $86.5M | ||
| Q2 24 | $140.5M | $47.8M | ||
| Q1 24 | — | $61.4M |
| Q4 25 | $504.7M | $942.7M | ||
| Q3 25 | $472.1M | $878.1M | ||
| Q2 25 | $458.2M | $847.2M | ||
| Q1 25 | $412.9M | $790.4M | ||
| Q4 24 | $386.2M | $729.0M | ||
| Q3 24 | $458.2M | $703.3M | ||
| Q2 24 | $97.5M | $532.6M | ||
| Q1 24 | $102.5M | $501.7M |
| Q4 25 | $1.0B | $3.1B | ||
| Q3 25 | $949.4M | $2.9B | ||
| Q2 25 | $910.5M | $2.8B | ||
| Q1 25 | $867.3M | $2.4B | ||
| Q4 24 | $823.2M | $2.3B | ||
| Q3 24 | $750.1M | $2.3B | ||
| Q2 24 | $379.7M | $2.0B | ||
| Q1 24 | — | $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 | $25.8M | $409.1M |
| Free Cash FlowOCF − Capex | $25.6M | $409.0M |
| FCF MarginFCF / Revenue | 15.7% | 161.4% |
| Capex IntensityCapex / Revenue | 0.1% | 0.1% |
| Cash ConversionOCF / Net Profit | 25.79× | — |
| TTM Free Cash FlowTrailing 4 quarters | $95.6M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $25.8M | $409.1M | ||
| Q3 25 | $5.0M | $83.6M | ||
| Q2 25 | $29.7M | $120.9M | ||
| Q1 25 | $36.2M | $87.2M | ||
| Q4 24 | — | $261.2M | ||
| Q3 24 | $2.4M | $100.3M | ||
| Q2 24 | $8.1M | $55.1M | ||
| Q1 24 | $25.5M | $33.1M |
| Q4 25 | $25.6M | $409.0M | ||
| Q3 25 | $4.8M | $83.6M | ||
| Q2 25 | $29.4M | $120.8M | ||
| Q1 25 | $35.8M | $87.1M | ||
| Q4 24 | — | $260.9M | ||
| Q3 24 | $1.3M | $100.1M | ||
| Q2 24 | $7.7M | — | ||
| Q1 24 | $24.9M | — |
| Q4 25 | 15.7% | 161.4% | ||
| Q3 25 | 3.1% | 34.2% | ||
| Q2 25 | 19.9% | 59.4% | ||
| Q1 25 | 26.3% | 49.9% | ||
| Q4 24 | — | 167.5% | ||
| Q3 24 | 1.0% | 67.4% | ||
| Q2 24 | 6.6% | — | ||
| Q1 24 | 22.5% | — |
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.1% | 0.0% | ||
| Q2 25 | 0.2% | 0.0% | ||
| Q1 25 | 0.3% | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | 0.8% | 0.1% | ||
| Q2 24 | 0.3% | 0.0% | ||
| Q1 24 | 0.6% | 0.0% |
| Q4 25 | 25.79× | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 2.60× | ||
| Q1 25 | — | 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.
Revenue Breakdown by Segment
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
PLMR
Segment breakdown not available.
