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Side-by-side financial comparison of PROCORE TECHNOLOGIES, INC. (PCOR) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
PROCORE TECHNOLOGIES, INC. is the larger business by last-quarter revenue ($349.1M vs $253.4M, roughly 1.4× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 15.6%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $109.2M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 13.8%).
Procore Technologies is an American construction management software as a service company founded in 2002, with headquarters in Carpinteria, California. Procore hosts a platform to connect those involved in the construction industry on a global platform. The software allows for the creation of simplified workflows and displays a consolidated view of construction products that includes the tracking of tasks, management of project workflows, and scheduling.
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.
PCOR vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $349.1M | $253.4M |
| Net Profit | $-37.6M | — |
| Gross Margin | 80.1% | — |
| Operating Margin | -12.3% | 28.7% |
| Net Margin | -10.8% | — |
| Revenue YoY | 15.6% | 62.7% |
| Net Profit YoY | 39.6% | — |
| EPS (diluted) | $-0.25 | $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 | $349.1M | $253.4M | ||
| Q3 25 | $338.9M | $244.7M | ||
| Q2 25 | $323.9M | $203.3M | ||
| Q1 25 | $310.6M | $174.6M | ||
| Q4 24 | $302.0M | $155.8M | ||
| Q3 24 | $295.9M | $148.5M | ||
| Q2 24 | $284.3M | $131.1M | ||
| Q1 24 | $269.4M | $118.5M |
| Q4 25 | $-37.6M | — | ||
| Q3 25 | $-9.1M | $51.5M | ||
| Q2 25 | $-21.1M | $46.5M | ||
| Q1 25 | $-33.0M | $42.9M | ||
| Q4 24 | $-62.3M | — | ||
| Q3 24 | $-26.4M | $30.5M | ||
| Q2 24 | $-6.3M | $25.7M | ||
| Q1 24 | $-11.0M | $26.4M |
| Q4 25 | 80.1% | — | ||
| Q3 25 | 79.7% | — | ||
| Q2 25 | 79.1% | — | ||
| Q1 25 | 79.1% | — | ||
| Q4 24 | 81.2% | — | ||
| Q3 24 | 81.4% | — | ||
| Q2 24 | 83.1% | — | ||
| Q1 24 | 83.0% | — |
| Q4 25 | -12.3% | 28.7% | ||
| Q3 25 | -4.4% | 27.4% | ||
| Q2 25 | -9.3% | 29.5% | ||
| Q1 25 | -11.7% | 30.8% | ||
| Q4 24 | -21.9% | 28.9% | ||
| Q3 24 | -12.3% | 25.9% | ||
| Q2 24 | -5.2% | 25.5% | ||
| Q1 24 | -7.0% | 29.0% |
| Q4 25 | -10.8% | — | ||
| Q3 25 | -2.7% | 21.0% | ||
| Q2 25 | -6.5% | 22.9% | ||
| Q1 25 | -10.6% | 24.6% | ||
| Q4 24 | -20.6% | — | ||
| Q3 24 | -8.9% | 20.5% | ||
| Q2 24 | -2.2% | 19.6% | ||
| Q1 24 | -4.1% | 22.3% |
| Q4 25 | $-0.25 | $2.05 | ||
| Q3 25 | $-0.06 | $1.87 | ||
| Q2 25 | $-0.14 | $1.68 | ||
| Q1 25 | $-0.22 | $1.57 | ||
| Q4 24 | $-0.42 | $1.29 | ||
| Q3 24 | $-0.18 | $1.15 | ||
| Q2 24 | $-0.04 | $1.00 | ||
| Q1 24 | $-0.08 | $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 | $768.5M | $106.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $942.7M |
| Total Assets | $2.2B | $3.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $768.5M | $106.9M | ||
| Q3 25 | $684.0M | $111.7M | ||
| Q2 25 | $620.9M | $81.3M | ||
| Q1 25 | $566.7M | $119.3M | ||
| Q4 24 | $775.4M | $80.4M | ||
| Q3 24 | $756.9M | $86.5M | ||
| Q2 24 | $735.4M | $47.8M | ||
| Q1 24 | $744.6M | $61.4M |
| Q4 25 | $1.3B | $942.7M | ||
| Q3 25 | $1.2B | $878.1M | ||
| Q2 25 | $1.2B | $847.2M | ||
| Q1 25 | $1.2B | $790.4M | ||
| Q4 24 | $1.3B | $729.0M | ||
| Q3 24 | $1.3B | $703.3M | ||
| Q2 24 | $1.3B | $532.6M | ||
| Q1 24 | $1.2B | $501.7M |
| Q4 25 | $2.2B | $3.1B | ||
| Q3 25 | $2.1B | $2.9B | ||
| Q2 25 | $2.0B | $2.8B | ||
| Q1 25 | $1.9B | $2.4B | ||
| Q4 24 | $2.1B | $2.3B | ||
| Q3 24 | $2.0B | $2.3B | ||
| Q2 24 | $2.0B | $2.0B | ||
| Q1 24 | $1.9B | $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 | $114.9M | $409.1M |
| Free Cash FlowOCF − Capex | $109.2M | $409.0M |
| FCF MarginFCF / Revenue | 31.3% | 161.4% |
| Capex IntensityCapex / Revenue | 1.6% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $282.2M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $114.9M | $409.1M | ||
| Q3 25 | $88.5M | $83.6M | ||
| Q2 25 | $30.8M | $120.9M | ||
| Q1 25 | $66.0M | $87.2M | ||
| Q4 24 | $29.1M | $261.2M | ||
| Q3 24 | $39.3M | $100.3M | ||
| Q2 24 | $58.7M | $55.1M | ||
| Q1 24 | $69.1M | $33.1M |
| Q4 25 | $109.2M | $409.0M | ||
| Q3 25 | $83.1M | $83.6M | ||
| Q2 25 | $27.9M | $120.8M | ||
| Q1 25 | $62.0M | $87.1M | ||
| Q4 24 | $17.4M | $260.9M | ||
| Q3 24 | $35.7M | $100.1M | ||
| Q2 24 | $56.8M | — | ||
| Q1 24 | $67.1M | — |
| Q4 25 | 31.3% | 161.4% | ||
| Q3 25 | 24.5% | 34.2% | ||
| Q2 25 | 8.6% | 59.4% | ||
| Q1 25 | 20.0% | 49.9% | ||
| Q4 24 | 5.8% | 167.5% | ||
| Q3 24 | 12.1% | 67.4% | ||
| Q2 24 | 20.0% | — | ||
| Q1 24 | 24.9% | — |
| Q4 25 | 1.6% | 0.1% | ||
| Q3 25 | 1.6% | 0.0% | ||
| Q2 25 | 0.9% | 0.0% | ||
| Q1 25 | 1.3% | 0.0% | ||
| Q4 24 | 3.9% | 0.2% | ||
| Q3 24 | 1.2% | 0.1% | ||
| Q2 24 | 0.7% | 0.0% | ||
| Q1 24 | 0.8% | 0.0% |
| Q4 25 | — | — | ||
| 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
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
PLMR
Segment breakdown not available.
