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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Savers Value Village, Inc. (SVV). Click either name above to swap in a different company.
Savers Value Village, Inc. is the larger business by last-quarter revenue ($426.9M vs $253.4M, roughly 1.7× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 8.1%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-6.3M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 4.3%).
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.
Value Village Stores, Inc. was a Midwestern United States chain of retail stores aimed at the discount department-store market. Henry Horney, formerly of F.W. Woolworth Company founded a small, regional chain of discount stores located in the two states of Wisconsin and Illinois that opened in 1961 and operated into 1989. Horney also had a real estate company and often built small shopping malls adjoining the discount stores. The chain had no relation to the Savers Value Village chain of thri...
PLMR vs SVV — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $426.9M |
| Net Profit | — | $-14.0M |
| Gross Margin | — | — |
| Operating Margin | 28.7% | 8.5% |
| Net Margin | — | -3.3% |
| Revenue YoY | 62.7% | 8.1% |
| Net Profit YoY | — | -164.6% |
| EPS (diluted) | $2.05 | $-0.09 |
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 | — | ||
| Q3 25 | $244.7M | $426.9M | ||
| Q2 25 | $203.3M | $417.2M | ||
| Q1 25 | $174.6M | $370.1M | ||
| Q4 24 | $155.8M | $402.0M | ||
| Q3 24 | $148.5M | $394.8M | ||
| Q2 24 | $131.1M | $386.7M | ||
| Q1 24 | $118.5M | $354.2M |
| Q4 25 | — | — | ||
| Q3 25 | $51.5M | $-14.0M | ||
| Q2 25 | $46.5M | $18.9M | ||
| Q1 25 | $42.9M | $-4.7M | ||
| Q4 24 | — | $-1.9M | ||
| Q3 24 | $30.5M | $21.7M | ||
| Q2 24 | $25.7M | $9.7M | ||
| Q1 24 | $26.4M | $-467.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 25.6% | ||
| Q2 24 | — | 26.6% | ||
| Q1 24 | — | 24.2% |
| Q4 25 | 28.7% | — | ||
| Q3 25 | 27.4% | 8.5% | ||
| Q2 25 | 29.5% | 8.2% | ||
| Q1 25 | 30.8% | 2.8% | ||
| Q4 24 | 28.9% | 8.2% | ||
| Q3 24 | 25.9% | 12.3% | ||
| Q2 24 | 25.5% | 8.3% | ||
| Q1 24 | 29.0% | 4.6% |
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | -3.3% | ||
| Q2 25 | 22.9% | 4.5% | ||
| Q1 25 | 24.6% | -1.3% | ||
| Q4 24 | — | -0.5% | ||
| Q3 24 | 20.5% | 5.5% | ||
| Q2 24 | 19.6% | 2.5% | ||
| Q1 24 | 22.3% | -0.1% |
| Q4 25 | $2.05 | — | ||
| Q3 25 | $1.87 | $-0.09 | ||
| Q2 25 | $1.68 | $0.12 | ||
| Q1 25 | $1.57 | $-0.03 | ||
| Q4 24 | $1.29 | $-0.02 | ||
| Q3 24 | $1.15 | $0.13 | ||
| Q2 24 | $1.00 | $0.06 | ||
| Q1 24 | $1.04 | $0.00 |
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 | $63.5M |
| Total DebtLower is stronger | — | $750.0M |
| Stockholders' EquityBook value | $942.7M | $414.6M |
| Total Assets | $3.1B | $2.0B |
| Debt / EquityLower = less leverage | — | 1.81× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | — | ||
| Q3 25 | $111.7M | $63.5M | ||
| Q2 25 | $81.3M | $70.5M | ||
| Q1 25 | $119.3M | $73.0M | ||
| Q4 24 | $80.4M | $150.0M | ||
| Q3 24 | $86.5M | $137.7M | ||
| Q2 24 | $47.8M | $160.7M | ||
| Q1 24 | $61.4M | $102.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | $750.0M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $942.7M | — | ||
| Q3 25 | $878.1M | $414.6M | ||
| Q2 25 | $847.2M | $423.5M | ||
| Q1 25 | $790.4M | $413.8M | ||
| Q4 24 | $729.0M | $421.7M | ||
| Q3 24 | $703.3M | $432.9M | ||
| Q2 24 | $532.6M | $419.5M | ||
| Q1 24 | $501.7M | $395.0M |
| Q4 25 | $3.1B | — | ||
| Q3 25 | $2.9B | $2.0B | ||
| Q2 25 | $2.8B | $1.9B | ||
| Q1 25 | $2.4B | $1.9B | ||
| Q4 24 | $2.3B | $1.9B | ||
| Q3 24 | $2.3B | $1.9B | ||
| Q2 24 | $2.0B | $1.9B | ||
| Q1 24 | $1.9B | $1.8B |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.81× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $21.6M |
| Free Cash FlowOCF − Capex | $409.0M | $-6.3M |
| FCF MarginFCF / Revenue | 161.4% | -1.5% |
| Capex IntensityCapex / Revenue | 0.1% | 6.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $25.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | $21.6M | ||
| Q2 25 | $120.9M | $54.4M | ||
| Q1 25 | $87.2M | $419.0K | ||
| Q4 24 | $261.2M | $55.8M | ||
| Q3 24 | $100.3M | $23.9M | ||
| Q2 24 | $55.1M | $60.4M | ||
| Q1 24 | $33.1M | $-5.8M |
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | $-6.3M | ||
| Q2 25 | $120.8M | $21.9M | ||
| Q1 25 | $87.1M | $-20.2M | ||
| Q4 24 | $260.9M | $30.1M | ||
| Q3 24 | $100.1M | $-3.0M | ||
| Q2 24 | — | $29.6M | ||
| Q1 24 | — | $-28.3M |
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | -1.5% | ||
| Q2 25 | 59.4% | 5.2% | ||
| Q1 25 | 49.9% | -5.4% | ||
| Q4 24 | 167.5% | 7.5% | ||
| Q3 24 | 67.4% | -0.8% | ||
| Q2 24 | — | 7.6% | ||
| Q1 24 | — | -8.0% |
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | 6.5% | ||
| Q2 25 | 0.0% | 7.8% | ||
| Q1 25 | 0.0% | 5.6% | ||
| Q4 24 | 0.2% | 6.4% | ||
| Q3 24 | 0.1% | 6.8% | ||
| Q2 24 | 0.0% | 8.0% | ||
| Q1 24 | 0.0% | 6.4% |
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | 2.88× | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.29× | 1.10× | ||
| Q2 24 | 2.14× | 6.22× | ||
| Q1 24 | 1.26× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
SVV
| Sales Channel Directly To Consumer | $408.3M | 96% |
| Sales Channel Through Intermediary | $18.6M | 4% |
