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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and LiveRamp Holdings, Inc. (RAMP). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $212.2M, roughly 1.2× LiveRamp Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 8.6%). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 11.1%).
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.
LiveRamp Holdings, Inc., is an American SaaS company that offers a data connectivity platform whose services include data onboarding, the transfer of offline data online for marketing purposes.
PLMR vs RAMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $212.2M |
| Net Profit | — | $39.9M |
| Gross Margin | — | 71.9% |
| Operating Margin | 28.7% | 18.6% |
| Net Margin | — | 18.8% |
| Revenue YoY | 62.7% | 8.6% |
| Net Profit YoY | — | 255.7% |
| 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 | $212.2M | ||
| Q3 25 | $244.7M | $199.8M | ||
| Q2 25 | $203.3M | $194.8M | ||
| Q1 25 | $174.6M | $188.7M | ||
| Q4 24 | $155.8M | $195.4M | ||
| Q3 24 | $148.5M | $185.5M | ||
| Q2 24 | $131.1M | $176.0M | ||
| Q1 24 | $118.5M | $171.9M |
| Q4 25 | — | $39.9M | ||
| Q3 25 | $51.5M | $27.4M | ||
| Q2 25 | $46.5M | $7.7M | ||
| Q1 25 | $42.9M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $30.5M | $1.7M | ||
| Q2 24 | $25.7M | $-7.5M | ||
| Q1 24 | $26.4M | $-5.4M |
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% | ||
| Q1 24 | — | 72.2% |
| Q4 25 | 28.7% | 18.6% | ||
| Q3 25 | 27.4% | 10.7% | ||
| Q2 25 | 29.5% | 3.7% | ||
| Q1 25 | 30.8% | -6.1% | ||
| Q4 24 | 28.9% | 7.5% | ||
| Q3 24 | 25.9% | 4.0% | ||
| Q2 24 | 25.5% | -3.0% | ||
| Q1 24 | 29.0% | -8.3% |
| Q4 25 | — | 18.8% | ||
| Q3 25 | 21.0% | 13.7% | ||
| Q2 25 | 22.9% | 4.0% | ||
| Q1 25 | 24.6% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 20.5% | 0.9% | ||
| Q2 24 | 19.6% | -4.3% | ||
| Q1 24 | 22.3% | -3.1% |
| Q4 25 | $2.05 | $0.62 | ||
| Q3 25 | $1.87 | $0.42 | ||
| Q2 25 | $1.68 | $0.12 | ||
| Q1 25 | $1.57 | $-0.10 | ||
| Q4 24 | $1.29 | $0.17 | ||
| Q3 24 | $1.15 | $0.03 | ||
| Q2 24 | $1.00 | $-0.11 | ||
| Q1 24 | $1.04 | $-0.09 |
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 | $403.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $942.7M | $962.3M |
| Total Assets | $3.1B | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $403.4M | ||
| Q3 25 | $111.7M | $376.9M | ||
| Q2 25 | $81.3M | $371.1M | ||
| Q1 25 | $119.3M | $420.8M | ||
| Q4 24 | $80.4M | $384.3M | ||
| Q3 24 | $86.5M | $348.4M | ||
| Q2 24 | $47.8M | $342.7M | ||
| Q1 24 | $61.4M | $368.9M |
| Q4 25 | $942.7M | $962.3M | ||
| Q3 25 | $878.1M | $943.8M | ||
| Q2 25 | $847.2M | $947.8M | ||
| Q1 25 | $790.4M | $948.9M | ||
| Q4 24 | $729.0M | $957.7M | ||
| Q3 24 | $703.3M | $932.1M | ||
| Q2 24 | $532.6M | $951.9M | ||
| Q1 24 | $501.7M | $949.1M |
| Q4 25 | $3.1B | $1.3B | ||
| Q3 25 | $2.9B | $1.2B | ||
| Q2 25 | $2.8B | $1.2B | ||
| Q1 25 | $2.4B | $1.3B | ||
| Q4 24 | $2.3B | $1.3B | ||
| Q3 24 | $2.3B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $1.9B | $1.2B |
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 | — |
| Free Cash FlowOCF − Capex | $409.0M | — |
| FCF MarginFCF / Revenue | 161.4% | — |
| Capex IntensityCapex / Revenue | 0.1% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | $57.4M | ||
| Q2 25 | $120.9M | $-15.8M | ||
| Q1 25 | $87.2M | — | ||
| Q4 24 | $261.2M | $45.1M | ||
| Q3 24 | $100.3M | $55.6M | ||
| Q2 24 | $55.1M | $-9.3M | ||
| Q1 24 | $33.1M | — |
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | $56.8M | ||
| Q2 25 | $120.8M | $-16.2M | ||
| Q1 25 | $87.1M | — | ||
| Q4 24 | $260.9M | $44.8M | ||
| Q3 24 | $100.1M | $55.4M | ||
| Q2 24 | — | $-9.6M | ||
| Q1 24 | — | — |
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | 28.4% | ||
| Q2 25 | 59.4% | -8.3% | ||
| Q1 25 | 49.9% | — | ||
| Q4 24 | 167.5% | 22.9% | ||
| Q3 24 | 67.4% | 29.8% | ||
| Q2 24 | — | -5.4% | ||
| Q1 24 | — | — |
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.0% | 0.2% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.0% | 0.1% | ||
| Q1 24 | 0.0% | 1.0% |
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | 2.09× | ||
| Q2 25 | 2.60× | -2.04× | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | 4.02× | ||
| Q3 24 | 3.29× | 32.10× | ||
| Q2 24 | 2.14× | — | ||
| Q1 24 | 1.26× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
