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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Trip.com Group Ltd (TCOM). Click either name above to swap in a different company.
Trip.com Group Ltd is the larger business by last-quarter revenue ($304.6M vs $253.4M, roughly 1.2× Palomar Holdings, Inc.).
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.
Trip.com Group Limited is a multinational travel agency headquartered in Shanghai, China. It is the largest online travel service provider in the world.
PLMR vs TCOM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $304.6M |
| Net Profit | — | $84.6M |
| Gross Margin | — | 78.8% |
| Operating Margin | 28.7% | 16.5% |
| Net Margin | — | 27.8% |
| Revenue YoY | 62.7% | — |
| Net Profit YoY | — | — |
| EPS (diluted) | $2.05 | $0.12 |
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 | $304.6M | ||
| Q3 25 | $244.7M | — | ||
| Q2 25 | $203.3M | — | ||
| Q1 25 | $174.6M | — | ||
| Q4 24 | $155.8M | — | ||
| Q3 24 | $148.5M | — | ||
| Q2 24 | $131.1M | $242.7M | ||
| Q1 24 | $118.5M | — |
| Q4 25 | — | $84.6M | ||
| Q3 25 | $51.5M | — | ||
| Q2 25 | $46.5M | — | ||
| Q1 25 | $42.9M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.5M | — | ||
| Q2 24 | $25.7M | $73.8M | ||
| Q1 24 | $26.4M | — |
| Q4 25 | — | 78.8% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 81.8% | ||
| Q1 24 | — | — |
| Q4 25 | 28.7% | 16.5% | ||
| Q3 25 | 27.4% | — | ||
| Q2 25 | 29.5% | — | ||
| Q1 25 | 30.8% | — | ||
| Q4 24 | 28.9% | — | ||
| Q3 24 | 25.9% | — | ||
| Q2 24 | 25.5% | 27.8% | ||
| Q1 24 | 29.0% | — |
| Q4 25 | — | 27.8% | ||
| Q3 25 | 21.0% | — | ||
| Q2 25 | 22.9% | — | ||
| Q1 25 | 24.6% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 20.5% | — | ||
| Q2 24 | 19.6% | 30.4% | ||
| Q1 24 | 22.3% | — |
| Q4 25 | $2.05 | $0.12 | ||
| Q3 25 | $1.87 | — | ||
| Q2 25 | $1.68 | — | ||
| Q1 25 | $1.57 | — | ||
| Q4 24 | $1.29 | — | ||
| Q3 24 | $1.15 | — | ||
| Q2 24 | $1.00 | $0.11 | ||
| Q1 24 | $1.04 | — |
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 | $10.8B |
| Total DebtLower is stronger | — | $4.2B |
| Stockholders' EquityBook value | $942.7M | $23.8B |
| Total Assets | $3.1B | $36.9B |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $10.8B | ||
| Q3 25 | $111.7M | — | ||
| Q2 25 | $81.3M | — | ||
| Q1 25 | $119.3M | — | ||
| Q4 24 | $80.4M | — | ||
| Q3 24 | $86.5M | — | ||
| Q2 24 | $47.8M | $12.4B | ||
| Q1 24 | $61.4M | — |
| Q4 25 | — | $4.2B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $8.2B | ||
| Q1 24 | — | — |
| Q4 25 | $942.7M | $23.8B | ||
| Q3 25 | $878.1M | — | ||
| Q2 25 | $847.2M | — | ||
| Q1 25 | $790.4M | — | ||
| Q4 24 | $729.0M | — | ||
| Q3 24 | $703.3M | — | ||
| Q2 24 | $532.6M | $18.1B | ||
| Q1 24 | $501.7M | — |
| Q4 25 | $3.1B | $36.9B | ||
| Q3 25 | $2.9B | — | ||
| Q2 25 | $2.8B | — | ||
| Q1 25 | $2.4B | — | ||
| Q4 24 | $2.3B | — | ||
| Q3 24 | $2.3B | — | ||
| Q2 24 | $2.0B | $34.2B | ||
| Q1 24 | $1.9B | — |
| Q4 25 | — | 0.18× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.45× | ||
| 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 | — |
| 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.
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | — | ||
| Q2 25 | $120.9M | — | ||
| Q1 25 | $87.2M | — | ||
| Q4 24 | $261.2M | — | ||
| Q3 24 | $100.3M | — | ||
| Q2 24 | $55.1M | — | ||
| Q1 24 | $33.1M | — |
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | — | ||
| Q2 25 | $120.8M | — | ||
| Q1 25 | $87.1M | — | ||
| Q4 24 | $260.9M | — | ||
| Q3 24 | $100.1M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | — | ||
| Q2 25 | 59.4% | — | ||
| Q1 25 | 49.9% | — | ||
| Q4 24 | 167.5% | — | ||
| Q3 24 | 67.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.0% | — | ||
| Q1 24 | 0.0% | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | — | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.29× | — | ||
| Q2 24 | 2.14× | — | ||
| 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.
TCOM
| Others | $273.0M | 90% |
| Other | $31.6M | 10% |
