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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Sezzle Inc. (SEZL). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $135.5M, roughly 1.9× Sezzle Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 29.2%). Over the past eight quarters, Sezzle Inc.'s revenue compounded faster (111.9% CAGR vs 46.2%).
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.
Sezzle is a publicly traded financial technology company headquartered in Minneapolis, U.S, with operations in the United States and Canada. The company provides an alternative payment platform offering interest-free installment plans at selected online stores. As of June 2021, the Sezzle platform had over 10 million user sign-ups and over 48,000 participating merchants.
PLMR vs SEZL — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $135.5M |
| Net Profit | — | $51.3M |
| Gross Margin | — | — |
| Operating Margin | 28.7% | 50.9% |
| Net Margin | — | 37.9% |
| Revenue YoY | 62.7% | 29.2% |
| Net Profit YoY | — | 41.9% |
| EPS (diluted) | $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.
| Q1 26 | — | $135.5M | ||
| Q4 25 | $253.4M | $78.2M | ||
| Q3 25 | $244.7M | $57.5M | ||
| Q2 25 | $203.3M | $52.0M | ||
| Q1 25 | $174.6M | $48.2M | ||
| Q4 24 | $155.8M | $48.4M | ||
| Q3 24 | $148.5M | $35.6M | ||
| Q2 24 | $131.1M | $30.2M |
| Q1 26 | — | $51.3M | ||
| Q4 25 | — | $42.7M | ||
| Q3 25 | $51.5M | $26.7M | ||
| Q2 25 | $46.5M | $27.6M | ||
| Q1 25 | $42.9M | $36.2M | ||
| Q4 24 | — | $25.4M | ||
| Q3 24 | $30.5M | $15.4M | ||
| Q2 24 | $25.7M | $29.7M |
| Q1 26 | — | 50.9% | ||
| Q4 25 | 28.7% | 70.6% | ||
| Q3 25 | 27.4% | 61.9% | ||
| Q2 25 | 29.5% | 69.4% | ||
| Q1 25 | 30.8% | — | ||
| Q4 24 | 28.9% | 63.8% | ||
| Q3 24 | 25.9% | 58.6% | ||
| Q2 24 | 25.5% | 55.3% |
| Q1 26 | — | 37.9% | ||
| Q4 25 | — | 54.6% | ||
| Q3 25 | 21.0% | 46.4% | ||
| Q2 25 | 22.9% | 53.1% | ||
| Q1 25 | 24.6% | 75.1% | ||
| Q4 24 | — | 52.4% | ||
| Q3 24 | 20.5% | 43.4% | ||
| Q2 24 | 19.6% | 98.4% |
| Q1 26 | — | — | ||
| Q4 25 | $2.05 | $1.19 | ||
| Q3 25 | $1.87 | $0.75 | ||
| Q2 25 | $1.68 | $0.78 | ||
| Q1 25 | $1.57 | $1.00 | ||
| Q4 24 | $1.29 | $0.71 | ||
| Q3 24 | $1.15 | $0.44 | ||
| Q2 24 | $1.00 | $0.82 |
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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $942.7M | $196.7M |
| Total Assets | $3.1B | $454.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $106.9M | $64.1M | ||
| Q3 25 | $111.7M | $104.1M | ||
| Q2 25 | $81.3M | $88.9M | ||
| Q1 25 | $119.3M | $88.9M | ||
| Q4 24 | $80.4M | $73.2M | ||
| Q3 24 | $86.5M | $80.1M | ||
| Q2 24 | $47.8M | $58.0M |
| Q1 26 | — | $196.7M | ||
| Q4 25 | $942.7M | $169.8M | ||
| Q3 25 | $878.1M | $155.3M | ||
| Q2 25 | $847.2M | $130.4M | ||
| Q1 25 | $790.4M | $125.8M | ||
| Q4 24 | $729.0M | $87.8M | ||
| Q3 24 | $703.3M | $61.1M | ||
| Q2 24 | $532.6M | $50.3M |
| Q1 26 | — | $454.3M | ||
| Q4 25 | $3.1B | $400.2M | ||
| Q3 25 | $2.9B | $367.0M | ||
| Q2 25 | $2.8B | $350.6M | ||
| Q1 25 | $2.4B | $298.1M | ||
| Q4 24 | $2.3B | $298.4M | ||
| Q3 24 | $2.3B | $252.9M | ||
| Q2 24 | $2.0B | $212.1M |
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% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $409.1M | $70.6M | ||
| Q3 25 | $83.6M | $63.7M | ||
| Q2 25 | $120.9M | $23.1M | ||
| Q1 25 | $87.2M | $52.5M | ||
| Q4 24 | $261.2M | $57.4M | ||
| Q3 24 | $100.3M | $35.1M | ||
| Q2 24 | $55.1M | $22.2M |
| Q1 26 | — | — | ||
| Q4 25 | $409.0M | $70.6M | ||
| Q3 25 | $83.6M | $63.6M | ||
| Q2 25 | $120.8M | $22.7M | ||
| Q1 25 | $87.1M | $52.5M | ||
| Q4 24 | $260.9M | $57.4M | ||
| Q3 24 | $100.1M | $35.1M | ||
| Q2 24 | — | $22.2M |
| Q1 26 | — | — | ||
| Q4 25 | 161.4% | 90.2% | ||
| Q3 25 | 34.2% | 110.6% | ||
| Q2 25 | 59.4% | 43.6% | ||
| Q1 25 | 49.9% | 108.9% | ||
| Q4 24 | 167.5% | 118.5% | ||
| Q3 24 | 67.4% | 98.6% | ||
| Q2 24 | — | 73.4% |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.0% | 0.1% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.1% | 0.0% | ||
| Q2 24 | 0.0% | 0.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.65× | ||
| Q3 25 | 1.63× | 2.39× | ||
| Q2 25 | 2.60× | 0.84× | ||
| Q1 25 | 2.03× | 1.45× | ||
| Q4 24 | — | 2.26× | ||
| Q3 24 | 3.29× | 2.27× | ||
| Q2 24 | 2.14× | 0.75× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
