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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Smith Douglas Homes Corp. (SDHC). Click either name above to swap in a different company.
Smith Douglas Homes Corp. is the larger business by last-quarter revenue ($260.4M vs $253.4M, roughly 1.0× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -9.4%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $8.7M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 17.3%).
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.
Smith & Wesson Brands, Inc. (S&W) is an American firearm manufacturer headquartered in Maryville, Tennessee, United States.
PLMR vs SDHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $260.4M |
| Net Profit | — | $3.5M |
| Gross Margin | — | 19.9% |
| Operating Margin | 28.7% | 6.5% |
| Net Margin | — | 1.4% |
| Revenue YoY | 62.7% | -9.4% |
| Net Profit YoY | — | -14.3% |
| EPS (diluted) | $2.05 | $0.39 |
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 | $260.4M | ||
| Q3 25 | $244.7M | $262.0M | ||
| Q2 25 | $203.3M | $223.9M | ||
| Q1 25 | $174.6M | $224.7M | ||
| Q4 24 | $155.8M | $287.5M | ||
| Q3 24 | $148.5M | $277.8M | ||
| Q2 24 | $131.1M | $220.9M | ||
| Q1 24 | $118.5M | $189.2M |
| Q4 25 | — | $3.5M | ||
| Q3 25 | $51.5M | $2.1M | ||
| Q2 25 | $46.5M | $2.4M | ||
| Q1 25 | $42.9M | $2.7M | ||
| Q4 24 | — | $4.1M | ||
| Q3 24 | $30.5M | $5.3M | ||
| Q2 24 | $25.7M | $3.6M | ||
| Q1 24 | $26.4M | $3.0M |
| Q4 25 | — | 19.9% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 23.2% | ||
| Q1 25 | — | 23.8% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.5% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 26.1% |
| Q4 25 | 28.7% | 6.5% | ||
| Q3 25 | 27.4% | 6.6% | ||
| Q2 25 | 29.5% | 7.7% | ||
| Q1 25 | 30.8% | 8.7% | ||
| Q4 24 | 28.9% | 10.4% | ||
| Q3 24 | 25.9% | 14.2% | ||
| Q2 24 | 25.5% | 11.7% | ||
| Q1 24 | 29.0% | 11.3% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | 21.0% | 0.8% | ||
| Q2 25 | 22.9% | 1.1% | ||
| Q1 25 | 24.6% | 1.2% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | 20.5% | 1.9% | ||
| Q2 24 | 19.6% | 1.7% | ||
| Q1 24 | 22.3% | 1.6% |
| Q4 25 | $2.05 | $0.39 | ||
| Q3 25 | $1.87 | $0.24 | ||
| Q2 25 | $1.68 | $0.26 | ||
| Q1 25 | $1.57 | $0.30 | ||
| Q4 24 | $1.29 | $0.50 | ||
| Q3 24 | $1.15 | $0.58 | ||
| Q2 24 | $1.00 | $0.40 | ||
| Q1 24 | $1.04 | $0.33 |
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 | $12.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $942.7M | $86.7M |
| Total Assets | $3.1B | $557.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $12.7M | ||
| Q3 25 | $111.7M | $14.8M | ||
| Q2 25 | $81.3M | $16.8M | ||
| Q1 25 | $119.3M | $12.7M | ||
| Q4 24 | $80.4M | $22.4M | ||
| Q3 24 | $86.5M | $23.7M | ||
| Q2 24 | $47.8M | $17.3M | ||
| Q1 24 | $61.4M | $32.8M |
| Q4 25 | $942.7M | $86.7M | ||
| Q3 25 | $878.1M | $82.2M | ||
| Q2 25 | $847.2M | $80.0M | ||
| Q1 25 | $790.4M | $76.9M | ||
| Q4 24 | $729.0M | $73.6M | ||
| Q3 24 | $703.3M | $68.4M | ||
| Q2 24 | $532.6M | $62.1M | ||
| Q1 24 | $501.7M | $59.7M |
| Q4 25 | $3.1B | $557.6M | ||
| Q3 25 | $2.9B | $571.6M | ||
| Q2 25 | $2.8B | $570.2M | ||
| Q1 25 | $2.4B | $513.9M | ||
| Q4 24 | $2.3B | $475.9M | ||
| Q3 24 | $2.3B | $460.1M | ||
| Q2 24 | $2.0B | $429.3M | ||
| Q1 24 | $1.9B | $401.3M |
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 | $9.8M |
| Free Cash FlowOCF − Capex | $409.0M | $8.7M |
| FCF MarginFCF / Revenue | 161.4% | 3.4% |
| Capex IntensityCapex / Revenue | 0.1% | 0.4% |
| Cash ConversionOCF / Net Profit | — | 2.77× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $-36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $9.8M | ||
| Q3 25 | $83.6M | $22.8M | ||
| Q2 25 | $120.9M | $-28.9M | ||
| Q1 25 | $87.2M | $-34.9M | ||
| Q4 24 | $261.2M | $5.5M | ||
| Q3 24 | $100.3M | $22.9M | ||
| Q2 24 | $55.1M | $39.0K | ||
| Q1 24 | $33.1M | $-9.3M |
| Q4 25 | $409.0M | $8.7M | ||
| Q3 25 | $83.6M | $21.4M | ||
| Q2 25 | $120.8M | $-31.1M | ||
| Q1 25 | $87.1M | $-35.9M | ||
| Q4 24 | $260.9M | $4.8M | ||
| Q3 24 | $100.1M | $22.3M | ||
| Q2 24 | — | $-2.1M | ||
| Q1 24 | — | $-9.7M |
| Q4 25 | 161.4% | 3.4% | ||
| Q3 25 | 34.2% | 8.2% | ||
| Q2 25 | 59.4% | -13.9% | ||
| Q1 25 | 49.9% | -16.0% | ||
| Q4 24 | 167.5% | 1.7% | ||
| Q3 24 | 67.4% | 8.0% | ||
| Q2 24 | — | -1.0% | ||
| Q1 24 | — | -5.1% |
| Q4 25 | 0.1% | 0.4% | ||
| Q3 25 | 0.0% | 0.5% | ||
| Q2 25 | 0.0% | 0.9% | ||
| Q1 25 | 0.0% | 0.5% | ||
| Q4 24 | 0.2% | 0.2% | ||
| Q3 24 | 0.1% | 0.2% | ||
| Q2 24 | 0.0% | 1.0% | ||
| Q1 24 | 0.0% | 0.2% |
| Q4 25 | — | 2.77× | ||
| Q3 25 | 1.63× | 10.70× | ||
| Q2 25 | 2.60× | -12.24× | ||
| Q1 25 | 2.03× | -13.01× | ||
| Q4 24 | — | 1.33× | ||
| Q3 24 | 3.29× | 4.28× | ||
| Q2 24 | 2.14× | 0.01× | ||
| Q1 24 | 1.26× | -3.12× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
SDHC
| Southeast | $164.7M | 63% |
| Central | $95.8M | 37% |
