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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and STURM RUGER & CO INC (RGR). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $151.1M, roughly 1.7× STURM RUGER & CO INC). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 3.6%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $12.3M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 5.1%).
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.
Sturm, Ruger & Company, Inc., better known by the shortened name Ruger, is an American firearm manufacturing company based in Southport, Connecticut, with production facilities also in Newport, New Hampshire; Mayodan, North Carolina; and Prescott, Arizona. The company was founded in 1949 by Alexander McCormick Sturm and William B. Ruger and has been publicly traded since 1969.
PLMR vs RGR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $151.1M |
| Net Profit | — | — |
| Gross Margin | — | 17.8% |
| Operating Margin | 28.7% | 2.3% |
| Net Margin | — | — |
| Revenue YoY | 62.7% | 3.6% |
| Net Profit YoY | — | — |
| EPS (diluted) | $2.05 | $0.22 |
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 | $151.1M | ||
| Q3 25 | $244.7M | $126.8M | ||
| Q2 25 | $203.3M | $132.5M | ||
| Q1 25 | $174.6M | $135.7M | ||
| Q4 24 | $155.8M | $145.8M | ||
| Q3 24 | $148.5M | $122.3M | ||
| Q2 24 | $131.1M | $130.8M | ||
| Q1 24 | $118.5M | $136.8M |
| Q4 25 | — | — | ||
| Q3 25 | $51.5M | $1.6M | ||
| Q2 25 | $46.5M | $-17.2M | ||
| Q1 25 | $42.9M | $7.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.5M | $4.7M | ||
| Q2 24 | $25.7M | $8.3M | ||
| Q1 24 | $26.4M | $7.1M |
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
| Q4 25 | 28.7% | 2.3% | ||
| Q3 25 | 27.4% | -2.7% | ||
| Q2 25 | 29.5% | -15.6% | ||
| Q1 25 | 30.8% | 6.2% | ||
| Q4 24 | 28.9% | 7.8% | ||
| Q3 24 | 25.9% | 3.1% | ||
| Q2 24 | 25.5% | 6.9% | ||
| Q1 24 | 29.0% | 5.5% |
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | 1.2% | ||
| Q2 25 | 22.9% | -13.0% | ||
| Q1 25 | 24.6% | 5.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 20.5% | 3.9% | ||
| Q2 24 | 19.6% | 6.3% | ||
| Q1 24 | 22.3% | 5.2% |
| Q4 25 | $2.05 | $0.22 | ||
| Q3 25 | $1.87 | $0.10 | ||
| Q2 25 | $1.68 | $-1.05 | ||
| Q1 25 | $1.57 | $0.46 | ||
| Q4 24 | $1.29 | $0.62 | ||
| Q3 24 | $1.15 | $0.28 | ||
| Q2 24 | $1.00 | $0.47 | ||
| Q1 24 | $1.04 | $0.40 |
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 | $92.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $942.7M | $283.8M |
| Total Assets | $3.1B | $342.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $92.5M | ||
| Q3 25 | $111.7M | $80.8M | ||
| Q2 25 | $81.3M | $101.4M | ||
| Q1 25 | $119.3M | $108.3M | ||
| Q4 24 | $80.4M | $105.5M | ||
| Q3 24 | $86.5M | $96.0M | ||
| Q2 24 | $47.8M | $105.6M | ||
| Q1 24 | $61.4M | $115.3M |
| Q4 25 | $942.7M | $283.8M | ||
| Q3 25 | $878.1M | $279.6M | ||
| Q2 25 | $847.2M | $289.3M | ||
| Q1 25 | $790.4M | $321.5M | ||
| Q4 24 | $729.0M | $319.6M | ||
| Q3 24 | $703.3M | $314.9M | ||
| Q2 24 | $532.6M | $321.5M | ||
| Q1 24 | $501.7M | $332.0M |
| Q4 25 | $3.1B | $342.0M | ||
| Q3 25 | $2.9B | $342.3M | ||
| Q2 25 | $2.8B | $349.5M | ||
| Q1 25 | $2.4B | $379.0M | ||
| Q4 24 | $2.3B | $384.0M | ||
| Q3 24 | $2.3B | $373.5M | ||
| Q2 24 | $2.0B | $376.7M | ||
| Q1 24 | $1.9B | $385.0M |
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 | $15.5M |
| Free Cash FlowOCF − Capex | $409.0M | $12.3M |
| FCF MarginFCF / Revenue | 161.4% | 8.2% |
| Capex IntensityCapex / Revenue | 0.1% | 2.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $38.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $15.5M | ||
| Q3 25 | $83.6M | $12.9M | ||
| Q2 25 | $120.9M | $14.7M | ||
| Q1 25 | $87.2M | $11.1M | ||
| Q4 24 | $261.2M | $20.0M | ||
| Q3 24 | $100.3M | $9.4M | ||
| Q2 24 | $55.1M | $18.7M | ||
| Q1 24 | $33.1M | $7.3M |
| Q4 25 | $409.0M | $12.3M | ||
| Q3 25 | $83.6M | $7.0M | ||
| Q2 25 | $120.8M | $9.1M | ||
| Q1 25 | $87.1M | $10.0M | ||
| Q4 24 | $260.9M | $16.4M | ||
| Q3 24 | $100.1M | $2.6M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.6M |
| Q4 25 | 161.4% | 8.2% | ||
| Q3 25 | 34.2% | 5.5% | ||
| Q2 25 | 59.4% | 6.9% | ||
| Q1 25 | 49.9% | 7.4% | ||
| Q4 24 | 167.5% | 11.2% | ||
| Q3 24 | 67.4% | 2.1% | ||
| Q2 24 | — | 7.7% | ||
| Q1 24 | — | 4.1% |
| Q4 25 | 0.1% | 2.1% | ||
| Q3 25 | 0.0% | 4.6% | ||
| Q2 25 | 0.0% | 4.2% | ||
| Q1 25 | 0.0% | 0.8% | ||
| Q4 24 | 0.2% | 2.5% | ||
| Q3 24 | 0.1% | 5.5% | ||
| Q2 24 | 0.0% | 6.6% | ||
| Q1 24 | 0.0% | 1.3% |
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | 8.15× | ||
| Q2 25 | 2.60× | — | ||
| Q1 25 | 2.03× | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.29× | 1.98× | ||
| Q2 24 | 2.14× | 2.27× | ||
| Q1 24 | 1.26× | 1.04× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
