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Side-by-side financial comparison of PAMT CORP (PAMT) 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 $141.3M, roughly 1.8× PAMT CORP). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -15.1%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-25.0M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -12.0%).
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.
PAMT vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $141.3M | $253.4M |
| Net Profit | $-29.3M | — |
| Gross Margin | — | — |
| Operating Margin | -27.0% | 28.7% |
| Net Margin | -20.7% | — |
| Revenue YoY | -15.1% | 62.7% |
| Net Profit YoY | 7.4% | — |
| EPS (diluted) | $-1.38 | $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 | $141.3M | $253.4M | ||
| Q3 25 | $150.3M | $244.7M | ||
| Q2 25 | $151.1M | $203.3M | ||
| Q1 25 | $155.3M | $174.6M | ||
| Q4 24 | $166.5M | $155.8M | ||
| Q3 24 | $182.6M | $148.5M | ||
| Q2 24 | $182.9M | $131.1M | ||
| Q1 24 | $182.6M | $118.5M |
| Q4 25 | $-29.3M | — | ||
| Q3 25 | $-5.6M | $51.5M | ||
| Q2 25 | $-9.6M | $46.5M | ||
| Q1 25 | $-8.1M | $42.9M | ||
| Q4 24 | $-31.6M | — | ||
| Q3 24 | $2.4M | $30.5M | ||
| Q2 24 | $-2.9M | $25.7M | ||
| Q1 24 | $281.0K | $26.4M |
| Q4 25 | -27.0% | 28.7% | ||
| Q3 25 | -3.8% | 27.4% | ||
| Q2 25 | -7.3% | 29.5% | ||
| Q1 25 | -5.9% | 30.8% | ||
| Q4 24 | -22.6% | 28.9% | ||
| Q3 24 | 1.3% | 25.9% | ||
| Q2 24 | -0.4% | 25.5% | ||
| Q1 24 | -0.4% | 29.0% |
| Q4 25 | -20.7% | — | ||
| Q3 25 | -3.7% | 21.0% | ||
| Q2 25 | -6.4% | 22.9% | ||
| Q1 25 | -5.2% | 24.6% | ||
| Q4 24 | -19.0% | — | ||
| Q3 24 | 1.3% | 20.5% | ||
| Q2 24 | -1.6% | 19.6% | ||
| Q1 24 | 0.2% | 22.3% |
| Q4 25 | $-1.38 | $2.05 | ||
| Q3 25 | $-0.27 | $1.87 | ||
| Q2 25 | $-0.46 | $1.68 | ||
| Q1 25 | $-0.37 | $1.57 | ||
| Q4 24 | $-1.44 | $1.29 | ||
| Q3 24 | $0.11 | $1.15 | ||
| Q2 24 | $-0.13 | $1.00 | ||
| Q1 24 | $0.01 | $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 | $83.7M | $106.9M |
| Total DebtLower is stronger | $333.9M | — |
| Stockholders' EquityBook value | $210.5M | $942.7M |
| Total Assets | $697.9M | $3.1B |
| Debt / EquityLower = less leverage | 1.59× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.7M | $106.9M | ||
| Q3 25 | $115.6M | $111.7M | ||
| Q2 25 | $117.3M | $81.3M | ||
| Q1 25 | $102.7M | $119.3M | ||
| Q4 24 | $110.7M | $80.4M | ||
| Q3 24 | $92.3M | $86.5M | ||
| Q2 24 | $114.0M | $47.8M | ||
| Q1 24 | $125.8M | $61.4M |
| Q4 25 | $333.9M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $325.6M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $210.5M | $942.7M | ||
| Q3 25 | $239.5M | $878.1M | ||
| Q2 25 | $244.9M | $847.2M | ||
| Q1 25 | $269.6M | $790.4M | ||
| Q4 24 | $277.5M | $729.0M | ||
| Q3 24 | $308.9M | $703.3M | ||
| Q2 24 | $306.7M | $532.6M | ||
| Q1 24 | $314.6M | $501.7M |
| Q4 25 | $697.9M | $3.1B | ||
| Q3 25 | $715.2M | $2.9B | ||
| Q2 25 | $707.9M | $2.8B | ||
| Q1 25 | $712.6M | $2.4B | ||
| Q4 24 | $741.7M | $2.3B | ||
| Q3 24 | $756.7M | $2.3B | ||
| Q2 24 | $733.5M | $2.0B | ||
| Q1 24 | $746.4M | $1.9B |
| Q4 25 | 1.59× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.17× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-5.8M | $409.1M |
| Free Cash FlowOCF − Capex | $-25.0M | $409.0M |
| FCF MarginFCF / Revenue | -17.7% | 161.4% |
| Capex IntensityCapex / Revenue | 13.6% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-23.4M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-5.8M | $409.1M | ||
| Q3 25 | $5.9M | $83.6M | ||
| Q2 25 | $12.2M | $120.9M | ||
| Q1 25 | $5.0M | $87.2M | ||
| Q4 24 | $15.2M | $261.2M | ||
| Q3 24 | $15.5M | $100.3M | ||
| Q2 24 | $18.7M | $55.1M | ||
| Q1 24 | $9.6M | $33.1M |
| Q4 25 | $-25.0M | $409.0M | ||
| Q3 25 | $2.5M | $83.6M | ||
| Q2 25 | $5.9M | $120.8M | ||
| Q1 25 | $-6.8M | $87.1M | ||
| Q4 24 | $-39.9M | $260.9M | ||
| Q3 24 | $-33.6M | $100.1M | ||
| Q2 24 | $4.1M | — | ||
| Q1 24 | $-12.2M | — |
| Q4 25 | -17.7% | 161.4% | ||
| Q3 25 | 1.7% | 34.2% | ||
| Q2 25 | 3.9% | 59.4% | ||
| Q1 25 | -4.4% | 49.9% | ||
| Q4 24 | -24.0% | 167.5% | ||
| Q3 24 | -18.4% | 67.4% | ||
| Q2 24 | 2.2% | — | ||
| Q1 24 | -6.7% | — |
| Q4 25 | 13.6% | 0.1% | ||
| Q3 25 | 2.3% | 0.0% | ||
| Q2 25 | 4.2% | 0.0% | ||
| Q1 25 | 7.6% | 0.0% | ||
| Q4 24 | 33.1% | 0.2% | ||
| Q3 24 | 26.9% | 0.1% | ||
| Q2 24 | 8.0% | 0.0% | ||
| Q1 24 | 12.0% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | — | 2.60× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | — | — | ||
| Q3 24 | 6.44× | 3.29× | ||
| Q2 24 | — | 2.14× | ||
| Q1 24 | 34.11× | 1.26× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
PLMR
Segment breakdown not available.
