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Side-by-side financial comparison of ONESPAWORLD HOLDINGS Ltd (OSW) 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 $242.1M, roughly 1.0× ONESPAWORLD HOLDINGS Ltd). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 11.5%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $14.9M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 7.1%).
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.
OSW vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $242.1M | $253.4M |
| Net Profit | $12.1M | — |
| Gross Margin | — | — |
| Operating Margin | 6.8% | 28.7% |
| Net Margin | 5.0% | — |
| Revenue YoY | 11.5% | 62.7% |
| Net Profit YoY | -16.2% | — |
| EPS (diluted) | $0.12 | $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 | $242.1M | $253.4M | ||
| Q3 25 | $258.5M | $244.7M | ||
| Q2 25 | $240.7M | $203.3M | ||
| Q1 25 | $219.6M | $174.6M | ||
| Q4 24 | $217.2M | $155.8M | ||
| Q3 24 | $241.7M | $148.5M | ||
| Q2 24 | $224.9M | $131.1M | ||
| Q1 24 | $211.2M | $118.5M |
| Q4 25 | $12.1M | — | ||
| Q3 25 | $24.3M | $51.5M | ||
| Q2 25 | $19.9M | $46.5M | ||
| Q1 25 | $15.3M | $42.9M | ||
| Q4 24 | $14.4M | — | ||
| Q3 24 | $21.6M | $30.5M | ||
| Q2 24 | $15.8M | $25.7M | ||
| Q1 24 | $21.2M | $26.4M |
| Q4 25 | 6.8% | 28.7% | ||
| Q3 25 | 10.2% | 27.4% | ||
| Q2 25 | 9.2% | 29.5% | ||
| Q1 25 | 7.7% | 30.8% | ||
| Q4 24 | 7.9% | 28.9% | ||
| Q3 24 | 10.3% | 25.9% | ||
| Q2 24 | 8.4% | 25.5% | ||
| Q1 24 | 8.0% | 29.0% |
| Q4 25 | 5.0% | — | ||
| Q3 25 | 9.4% | 21.0% | ||
| Q2 25 | 8.3% | 22.9% | ||
| Q1 25 | 7.0% | 24.6% | ||
| Q4 24 | 6.6% | — | ||
| Q3 24 | 8.9% | 20.5% | ||
| Q2 24 | 7.0% | 19.6% | ||
| Q1 24 | 10.0% | 22.3% |
| Q4 25 | $0.12 | $2.05 | ||
| Q3 25 | $0.23 | $1.87 | ||
| Q2 25 | $0.19 | $1.68 | ||
| Q1 25 | $0.15 | $1.57 | ||
| Q4 24 | $0.13 | $1.29 | ||
| Q3 24 | $0.20 | $1.15 | ||
| Q2 24 | $0.15 | $1.00 | ||
| Q1 24 | $0.21 | $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 | $16.3M | $106.9M |
| Total DebtLower is stronger | $84.0M | — |
| Stockholders' EquityBook value | $542.6M | $942.7M |
| Total Assets | $707.1M | $3.1B |
| Debt / EquityLower = less leverage | 0.15× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.3M | $106.9M | ||
| Q3 25 | $29.6M | $111.7M | ||
| Q2 25 | $35.0M | $81.3M | ||
| Q1 25 | $22.6M | $119.3M | ||
| Q4 24 | $57.4M | $80.4M | ||
| Q3 24 | $48.8M | $86.5M | ||
| Q2 24 | $62.5M | $47.8M | ||
| Q1 24 | $65.4M | $61.4M |
| Q4 25 | $84.0M | — | ||
| Q3 25 | $85.2M | — | ||
| Q2 25 | $96.2M | — | ||
| Q1 25 | $97.4M | — | ||
| Q4 24 | $98.6M | — | ||
| Q3 24 | $98.7M | — | ||
| Q2 24 | $123.8M | — | ||
| Q1 24 | $138.6M | — |
| Q4 25 | $542.6M | $942.7M | ||
| Q3 25 | $552.8M | $878.1M | ||
| Q2 25 | $548.3M | $847.2M | ||
| Q1 25 | $530.6M | $790.4M | ||
| Q4 24 | $554.5M | $729.0M | ||
| Q3 24 | $540.1M | $703.3M | ||
| Q2 24 | $532.7M | $532.6M | ||
| Q1 24 | $515.5M | $501.7M |
| Q4 25 | $707.1M | $3.1B | ||
| Q3 25 | $732.6M | $2.9B | ||
| Q2 25 | $731.8M | $2.8B | ||
| Q1 25 | $708.7M | $2.4B | ||
| Q4 24 | $746.4M | $2.3B | ||
| Q3 24 | $734.0M | $2.3B | ||
| Q2 24 | $756.8M | $2.0B | ||
| Q1 24 | $763.6M | $1.9B |
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.18× | — | ||
| Q1 25 | 0.18× | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.18× | — | ||
| Q2 24 | 0.23× | — | ||
| Q1 24 | 0.27× | — |
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 | $20.0M | $409.1M |
| Free Cash FlowOCF − Capex | $14.9M | $409.0M |
| FCF MarginFCF / Revenue | 6.2% | 161.4% |
| Capex IntensityCapex / Revenue | 2.1% | 0.1% |
| Cash ConversionOCF / Net Profit | 1.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $68.4M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.0M | $409.1M | ||
| Q3 25 | $33.2M | $83.6M | ||
| Q2 25 | $20.3M | $120.9M | ||
| Q1 25 | $10.1M | $87.2M | ||
| Q4 24 | $16.6M | $261.2M | ||
| Q3 24 | $28.6M | $100.3M | ||
| Q2 24 | $18.7M | $55.1M | ||
| Q1 24 | $15.0M | $33.1M |
| Q4 25 | $14.9M | $409.0M | ||
| Q3 25 | $27.6M | $83.6M | ||
| Q2 25 | $17.6M | $120.8M | ||
| Q1 25 | $8.4M | $87.1M | ||
| Q4 24 | $13.2M | $260.9M | ||
| Q3 24 | $27.5M | $100.1M | ||
| Q2 24 | $17.6M | — | ||
| Q1 24 | $13.7M | — |
| Q4 25 | 6.2% | 161.4% | ||
| Q3 25 | 10.7% | 34.2% | ||
| Q2 25 | 7.3% | 59.4% | ||
| Q1 25 | 3.8% | 49.9% | ||
| Q4 24 | 6.1% | 167.5% | ||
| Q3 24 | 11.4% | 67.4% | ||
| Q2 24 | 7.8% | — | ||
| Q1 24 | 6.5% | — |
| Q4 25 | 2.1% | 0.1% | ||
| Q3 25 | 2.2% | 0.0% | ||
| Q2 25 | 1.1% | 0.0% | ||
| Q1 25 | 0.8% | 0.0% | ||
| Q4 24 | 1.5% | 0.2% | ||
| Q3 24 | 0.5% | 0.1% | ||
| Q2 24 | 0.5% | 0.0% | ||
| Q1 24 | 0.6% | 0.0% |
| Q4 25 | 1.65× | — | ||
| Q3 25 | 1.36× | 1.63× | ||
| Q2 25 | 1.02× | 2.60× | ||
| Q1 25 | 0.66× | 2.03× | ||
| Q4 24 | 1.15× | — | ||
| Q3 24 | 1.33× | 3.29× | ||
| Q2 24 | 1.19× | 2.14× | ||
| Q1 24 | 0.71× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
PLMR
Segment breakdown not available.
