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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Shutterstock, Inc. (SSTK). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $220.2M, roughly 1.2× Shutterstock, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -12.0%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $25.9M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 1.4%).
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.
Shutterstock, Inc. is an American provider of stock photography, stock footage, stock music, and editing tools; it is headquartered in New York. Founded in 2002 by programmer and photographer Jon Oringer, Shutterstock maintains a library of around 200 million royalty-free stock photos, vector graphics, and illustrations, with around 10 million video clips and music tracks available for licensing. Originally a subscription site only, Shutterstock expanded beyond subscriptions into à la carte p...
PLMR vs SSTK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $220.2M |
| Net Profit | — | $-16.0M |
| Gross Margin | — | 55.8% |
| Operating Margin | 28.7% | -1.1% |
| Net Margin | — | -7.3% |
| Revenue YoY | 62.7% | -12.0% |
| Net Profit YoY | — | -1021.0% |
| EPS (diluted) | $2.05 | $-0.47 |
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 | $220.2M | ||
| Q3 25 | $244.7M | $260.1M | ||
| Q2 25 | $203.3M | $267.0M | ||
| Q1 25 | $174.6M | $242.6M | ||
| Q4 24 | $155.8M | $250.3M | ||
| Q3 24 | $148.5M | $250.6M | ||
| Q2 24 | $131.1M | $220.1M | ||
| Q1 24 | $118.5M | $214.3M |
| Q4 25 | — | $-16.0M | ||
| Q3 25 | $51.5M | $13.4M | ||
| Q2 25 | $46.5M | $29.4M | ||
| Q1 25 | $42.9M | $18.7M | ||
| Q4 24 | — | $-1.4M | ||
| Q3 24 | $30.5M | $17.6M | ||
| Q2 24 | $25.7M | $3.6M | ||
| Q1 24 | $26.4M | $16.1M |
| Q4 25 | — | 55.8% | ||
| Q3 25 | — | 60.6% | ||
| Q2 25 | — | 60.3% | ||
| Q1 25 | — | 58.4% | ||
| Q4 24 | — | 55.1% | ||
| Q3 24 | — | 58.3% | ||
| Q2 24 | — | 58.5% | ||
| Q1 24 | — | 58.8% |
| Q4 25 | 28.7% | -1.1% | ||
| Q3 25 | 27.4% | 12.5% | ||
| Q2 25 | 29.5% | 13.0% | ||
| Q1 25 | 30.8% | 4.2% | ||
| Q4 24 | 28.9% | 5.3% | ||
| Q3 24 | 25.9% | 7.2% | ||
| Q2 24 | 25.5% | 9.4% | ||
| Q1 24 | 29.0% | 7.8% |
| Q4 25 | — | -7.3% | ||
| Q3 25 | 21.0% | 5.1% | ||
| Q2 25 | 22.9% | 11.0% | ||
| Q1 25 | 24.6% | 7.7% | ||
| Q4 24 | — | -0.6% | ||
| Q3 24 | 20.5% | 7.0% | ||
| Q2 24 | 19.6% | 1.6% | ||
| Q1 24 | 22.3% | 7.5% |
| Q4 25 | $2.05 | $-0.47 | ||
| Q3 25 | $1.87 | $0.37 | ||
| Q2 25 | $1.68 | $0.82 | ||
| Q1 25 | $1.57 | $0.53 | ||
| Q4 24 | $1.29 | $-0.04 | ||
| Q3 24 | $1.15 | $0.50 | ||
| Q2 24 | $1.00 | $0.10 | ||
| Q1 24 | $1.04 | $0.45 |
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 | $178.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $942.7M | $581.0M |
| Total Assets | $3.1B | $1.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $178.2M | ||
| Q3 25 | $111.7M | $165.5M | ||
| Q2 25 | $81.3M | $116.4M | ||
| Q1 25 | $119.3M | $112.2M | ||
| Q4 24 | $80.4M | $111.3M | ||
| Q3 24 | $86.5M | $131.4M | ||
| Q2 24 | $47.8M | $74.9M | ||
| Q1 24 | $61.4M | $71.8M |
| Q4 25 | $942.7M | $581.0M | ||
| Q3 25 | $878.1M | $594.4M | ||
| Q2 25 | $847.2M | $586.2M | ||
| Q1 25 | $790.4M | $547.2M | ||
| Q4 24 | $729.0M | $518.4M | ||
| Q3 24 | $703.3M | $522.9M | ||
| Q2 24 | $532.6M | $520.4M | ||
| Q1 24 | $501.7M | $541.3M |
| Q4 25 | $3.1B | $1.4B | ||
| Q3 25 | $2.9B | $1.4B | ||
| Q2 25 | $2.8B | $1.4B | ||
| Q1 25 | $2.4B | $1.3B | ||
| Q4 24 | $2.3B | $1.3B | ||
| Q3 24 | $2.3B | $1.3B | ||
| Q2 24 | $2.0B | $1.0B | ||
| Q1 24 | $1.9B | $1.0B |
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 | $36.2M |
| Free Cash FlowOCF − Capex | $409.0M | $25.9M |
| FCF MarginFCF / Revenue | 161.4% | 11.8% |
| Capex IntensityCapex / Revenue | 0.1% | 4.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $123.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $36.2M | ||
| Q3 25 | $83.6M | $78.4M | ||
| Q2 25 | $120.9M | $26.8M | ||
| Q1 25 | $87.2M | $25.2M | ||
| Q4 24 | $261.2M | $8.0M | ||
| Q3 24 | $100.3M | $-11.6M | ||
| Q2 24 | $55.1M | $28.0M | ||
| Q1 24 | $33.1M | $8.3M |
| Q4 25 | $409.0M | $25.9M | ||
| Q3 25 | $83.6M | $68.0M | ||
| Q2 25 | $120.8M | $15.5M | ||
| Q1 25 | $87.1M | $14.4M | ||
| Q4 24 | $260.9M | $-952.0K | ||
| Q3 24 | $100.1M | $-26.3M | ||
| Q2 24 | — | $18.9M | ||
| Q1 24 | — | $-6.2M |
| Q4 25 | 161.4% | 11.8% | ||
| Q3 25 | 34.2% | 26.1% | ||
| Q2 25 | 59.4% | 5.8% | ||
| Q1 25 | 49.9% | 6.0% | ||
| Q4 24 | 167.5% | -0.4% | ||
| Q3 24 | 67.4% | -10.5% | ||
| Q2 24 | — | 8.6% | ||
| Q1 24 | — | -2.9% |
| Q4 25 | 0.1% | 4.7% | ||
| Q3 25 | 0.0% | 4.0% | ||
| Q2 25 | 0.0% | 4.2% | ||
| Q1 25 | 0.0% | 4.5% | ||
| Q4 24 | 0.2% | 3.6% | ||
| Q3 24 | 0.1% | 5.9% | ||
| Q2 24 | 0.0% | 4.1% | ||
| Q1 24 | 0.0% | 6.7% |
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | 5.86× | ||
| Q2 25 | 2.60× | 0.91× | ||
| Q1 25 | 2.03× | 1.35× | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.29× | -0.66× | ||
| Q2 24 | 2.14× | 7.71× | ||
| Q1 24 | 1.26× | 0.51× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
