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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $153.1M, roughly 1.7× CPI Card Group Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 22.3%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $35.2M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 16.9%).
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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
PLMR vs PMTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $153.1M |
| Net Profit | — | $7.3M |
| Gross Margin | — | 31.5% |
| Operating Margin | 28.7% | 12.0% |
| Net Margin | — | 4.8% |
| Revenue YoY | 62.7% | 22.3% |
| Net Profit YoY | — | 8.5% |
| EPS (diluted) | $2.05 | $0.62 |
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 | $253.4M | $153.1M | ||
| Q3 25 | $244.7M | $138.0M | ||
| Q2 25 | $203.3M | $129.8M | ||
| Q1 25 | $174.6M | $122.8M | ||
| Q4 24 | $155.8M | $125.1M | ||
| Q3 24 | $148.5M | $124.8M | ||
| Q2 24 | $131.1M | $118.8M | ||
| Q1 24 | $118.5M | $111.9M |
| Q4 25 | — | $7.3M | ||
| Q3 25 | $51.5M | $2.3M | ||
| Q2 25 | $46.5M | $518.0K | ||
| Q1 25 | $42.9M | $4.8M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | $30.5M | $1.3M | ||
| Q2 24 | $25.7M | $6.0M | ||
| Q1 24 | $26.4M | $5.5M |
| Q4 25 | — | 31.5% | ||
| Q3 25 | — | 29.7% | ||
| Q2 25 | — | 30.9% | ||
| Q1 25 | — | 33.2% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | 35.8% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 37.1% |
| Q4 25 | 28.7% | 12.0% | ||
| Q3 25 | 27.4% | 9.4% | ||
| Q2 25 | 29.5% | 7.3% | ||
| Q1 25 | 30.8% | 11.5% | ||
| Q4 24 | 28.9% | 12.7% | ||
| Q3 24 | 25.9% | 14.3% | ||
| Q2 24 | 25.5% | 12.5% | ||
| Q1 24 | 29.0% | 12.6% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | 21.0% | 1.7% | ||
| Q2 25 | 22.9% | 0.4% | ||
| Q1 25 | 24.6% | 3.9% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | 20.5% | 1.0% | ||
| Q2 24 | 19.6% | 5.1% | ||
| Q1 24 | 22.3% | 4.9% |
| Q4 25 | $2.05 | $0.62 | ||
| Q3 25 | $1.87 | $0.19 | ||
| Q2 25 | $1.68 | $0.04 | ||
| Q1 25 | $1.57 | $0.40 | ||
| Q4 24 | $1.29 | $0.56 | ||
| Q3 24 | $1.15 | $0.11 | ||
| Q2 24 | $1.00 | $0.51 | ||
| Q1 24 | $1.04 | $0.46 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $106.9M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $942.7M | $-17.3M |
| Total Assets | $3.1B | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $21.7M | ||
| Q3 25 | $111.7M | $16.0M | ||
| Q2 25 | $81.3M | $17.1M | ||
| Q1 25 | $119.3M | $31.5M | ||
| Q4 24 | $80.4M | $33.5M | ||
| Q3 24 | $86.5M | $14.7M | ||
| Q2 24 | $47.8M | $7.5M | ||
| Q1 24 | $61.4M | $17.1M |
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | — | $265.3M |
| Q4 25 | $942.7M | $-17.3M | ||
| Q3 25 | $878.1M | $-25.7M | ||
| Q2 25 | $847.2M | $-29.0M | ||
| Q1 25 | $790.4M | $-29.7M | ||
| Q4 24 | $729.0M | $-35.6M | ||
| Q3 24 | $703.3M | $-42.8M | ||
| Q2 24 | $532.6M | $-44.6M | ||
| Q1 24 | $501.7M | $-48.5M |
| Q4 25 | $3.1B | $403.2M | ||
| Q3 25 | $2.9B | $407.1M | ||
| Q2 25 | $2.8B | $399.8M | ||
| Q1 25 | $2.4B | $351.9M | ||
| Q4 24 | $2.3B | $349.7M | ||
| Q3 24 | $2.3B | $342.3M | ||
| Q2 24 | $2.0B | $321.4M | ||
| Q1 24 | $1.9B | $319.8M |
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 | $409.1M | $39.6M |
| Free Cash FlowOCF − Capex | $409.0M | $35.2M |
| FCF MarginFCF / Revenue | 161.4% | 23.0% |
| Capex IntensityCapex / Revenue | 0.1% | 2.9% |
| Cash ConversionOCF / Net Profit | — | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $39.6M | ||
| Q3 25 | $83.6M | $10.0M | ||
| Q2 25 | $120.9M | $4.3M | ||
| Q1 25 | $87.2M | $5.6M | ||
| Q4 24 | $261.2M | $26.7M | ||
| Q3 24 | $100.3M | $12.5M | ||
| Q2 24 | $55.1M | $-4.8M | ||
| Q1 24 | $33.1M | $8.9M |
| Q4 25 | $409.0M | $35.2M | ||
| Q3 25 | $83.6M | $5.3M | ||
| Q2 25 | $120.8M | $533.0K | ||
| Q1 25 | $87.1M | $292.0K | ||
| Q4 24 | $260.9M | $21.6M | ||
| Q3 24 | $100.1M | $11.1M | ||
| Q2 24 | — | $-6.0M | ||
| Q1 24 | — | $7.4M |
| Q4 25 | 161.4% | 23.0% | ||
| Q3 25 | 34.2% | 3.8% | ||
| Q2 25 | 59.4% | 0.4% | ||
| Q1 25 | 49.9% | 0.2% | ||
| Q4 24 | 167.5% | 17.3% | ||
| Q3 24 | 67.4% | 8.9% | ||
| Q2 24 | — | -5.0% | ||
| Q1 24 | — | 6.6% |
| Q4 25 | 0.1% | 2.9% | ||
| Q3 25 | 0.0% | 3.4% | ||
| Q2 25 | 0.0% | 2.9% | ||
| Q1 25 | 0.0% | 4.3% | ||
| Q4 24 | 0.2% | 4.0% | ||
| Q3 24 | 0.1% | 1.2% | ||
| Q2 24 | 0.0% | 1.0% | ||
| Q1 24 | 0.0% | 1.3% |
| Q4 25 | — | 5.39× | ||
| Q3 25 | 1.63× | 4.32× | ||
| Q2 25 | 2.60× | 8.39× | ||
| Q1 25 | 2.03× | 1.17× | ||
| Q4 24 | — | 3.94× | ||
| Q3 24 | 3.29× | 9.70× | ||
| Q2 24 | 2.14× | -0.79× | ||
| Q1 24 | 1.26× | 1.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
