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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and T1 Energy Inc. (TE). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $210.5M, roughly 1.2× T1 Energy Inc.). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $55.0M).
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.
Sony Energy Devices Corporation , is a Japanese multinational company specializing in a variety of areas in the energy industry, and is a wholly owned subsidiary and part of the Devices Group of Sony. The company was established in February 1975 in Fukushima, Japan.
PLMR vs TE — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $210.5M |
| Net Profit | — | $-130.6M |
| Gross Margin | — | 10.0% |
| Operating Margin | 28.7% | -45.0% |
| Net Margin | — | -62.0% |
| Revenue YoY | 62.7% | — |
| Net Profit YoY | — | -375.2% |
| EPS (diluted) | $2.05 | $-0.87 |
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 | $210.5M | ||
| Q2 25 | $203.3M | $132.8M | ||
| Q1 25 | $174.6M | $53.5M | ||
| Q4 24 | $155.8M | — | ||
| Q3 24 | $148.5M | $0 | ||
| Q2 24 | $131.1M | $0 | ||
| Q1 24 | $118.5M | $0 |
| Q4 25 | — | — | ||
| Q3 25 | $51.5M | $-130.6M | ||
| Q2 25 | $46.5M | $-31.9M | ||
| Q1 25 | $42.9M | $-16.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.5M | $-27.5M | ||
| Q2 24 | $25.7M | $-27.0M | ||
| Q1 24 | $26.4M | $-28.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 10.0% | ||
| Q2 25 | — | 24.7% | ||
| Q1 25 | — | 33.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 28.7% | — | ||
| Q3 25 | 27.4% | -45.0% | ||
| Q2 25 | 29.5% | -22.0% | ||
| Q1 25 | 30.8% | -44.2% | ||
| Q4 24 | 28.9% | — | ||
| Q3 24 | 25.9% | — | ||
| Q2 24 | 25.5% | — | ||
| Q1 24 | 29.0% | — |
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | -62.0% | ||
| Q2 25 | 22.9% | -24.0% | ||
| Q1 25 | 24.6% | -30.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | 20.5% | — | ||
| Q2 24 | 19.6% | — | ||
| Q1 24 | 22.3% | — |
| Q4 25 | $2.05 | — | ||
| Q3 25 | $1.87 | $-0.87 | ||
| Q2 25 | $1.68 | $-0.21 | ||
| Q1 25 | $1.57 | $-0.11 | ||
| Q4 24 | $1.29 | — | ||
| Q3 24 | $1.15 | $-0.20 | ||
| Q2 24 | $1.00 | $-0.19 | ||
| Q1 24 | $1.04 | $-0.20 |
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 | $34.1M |
| Total DebtLower is stronger | — | $547.3M |
| Stockholders' EquityBook value | $942.7M | $96.9M |
| Total Assets | $3.1B | $1.4B |
| Debt / EquityLower = less leverage | — | 5.65× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | — | ||
| Q3 25 | $111.7M | $34.1M | ||
| Q2 25 | $81.3M | $8.5M | ||
| Q1 25 | $119.3M | $48.9M | ||
| Q4 24 | $80.4M | — | ||
| Q3 24 | $86.5M | $181.9M | ||
| Q2 24 | $47.8M | $219.6M | ||
| Q1 24 | $61.4M | $249.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | $547.3M | ||
| Q2 25 | — | $591.2M | ||
| Q1 25 | — | $603.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $602.3M |
| Q4 25 | $942.7M | — | ||
| Q3 25 | $878.1M | $96.9M | ||
| Q2 25 | $847.2M | $183.9M | ||
| Q1 25 | $790.4M | $201.9M | ||
| Q4 24 | $729.0M | — | ||
| Q3 24 | $703.3M | $538.7M | ||
| Q2 24 | $532.6M | $561.6M | ||
| Q1 24 | $501.7M | $582.3M |
| Q4 25 | $3.1B | — | ||
| Q3 25 | $2.9B | $1.4B | ||
| Q2 25 | $2.8B | $1.4B | ||
| Q1 25 | $2.4B | $1.4B | ||
| Q4 24 | $2.3B | — | ||
| Q3 24 | $2.3B | $615.0M | ||
| Q2 24 | $2.0B | $644.4M | ||
| Q1 24 | $1.9B | $670.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | 5.65× | ||
| Q2 25 | — | 3.21× | ||
| Q1 25 | — | 2.99× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 1.03× |
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 | $63.9M |
| Free Cash FlowOCF − Capex | $409.0M | $55.0M |
| FCF MarginFCF / Revenue | 161.4% | 26.1% |
| Capex IntensityCapex / Revenue | 0.1% | 4.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $-42.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | $63.9M | ||
| Q2 25 | $120.9M | $33.4M | ||
| Q1 25 | $87.2M | $-44.8M | ||
| Q4 24 | $261.2M | — | ||
| Q3 24 | $100.3M | $-28.4M | ||
| Q2 24 | $55.1M | $-28.0M | ||
| Q1 24 | $33.1M | $-16.2M |
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | $55.0M | ||
| Q2 25 | $120.8M | $10.6M | ||
| Q1 25 | $87.1M | $-74.0M | ||
| Q4 24 | $260.9M | — | ||
| Q3 24 | $100.1M | $-34.0M | ||
| Q2 24 | — | $-35.6M | ||
| Q1 24 | — | $-37.7M |
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | 26.1% | ||
| Q2 25 | 59.4% | 8.0% | ||
| Q1 25 | 49.9% | -138.4% | ||
| Q4 24 | 167.5% | — | ||
| Q3 24 | 67.4% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | 4.2% | ||
| Q2 25 | 0.0% | 17.2% | ||
| Q1 25 | 0.0% | 54.5% | ||
| 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.
TE
| Related Party | $120.1M | 57% |
| Nonrelated Party | $90.4M | 43% |
