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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and INTERFACE INC (TILE). Click either name above to swap in a different company.
INTERFACE INC is the larger business by last-quarter revenue ($349.4M vs $253.4M, roughly 1.4× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 4.3%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $28.6M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 9.8%).
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.
Interface, Inc., headquartered in Atlanta, Georgia, is a global manufacturer of commercial flooring. The company sells modular carpet tiles, luxury vinyl tile, and Nora brand rubber flooring.
PLMR vs TILE — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $349.4M |
| Net Profit | — | $24.4M |
| Gross Margin | — | 38.6% |
| Operating Margin | 28.7% | 10.1% |
| Net Margin | — | 7.0% |
| Revenue YoY | 62.7% | 4.3% |
| Net Profit YoY | — | 12.1% |
| EPS (diluted) | $2.05 | $0.41 |
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 | $349.4M | ||
| Q3 25 | $244.7M | $364.5M | ||
| Q2 25 | $203.3M | $375.5M | ||
| Q1 25 | $174.6M | $297.4M | ||
| Q4 24 | $155.8M | $335.0M | ||
| Q3 24 | $148.5M | $344.3M | ||
| Q2 24 | $131.1M | $346.6M | ||
| Q1 24 | $118.5M | $289.7M |
| Q4 25 | — | $24.4M | ||
| Q3 25 | $51.5M | $46.1M | ||
| Q2 25 | $46.5M | $32.6M | ||
| Q1 25 | $42.9M | $13.0M | ||
| Q4 24 | — | $21.8M | ||
| Q3 24 | $30.5M | $28.4M | ||
| Q2 24 | $25.7M | $22.6M | ||
| Q1 24 | $26.4M | $14.2M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 39.4% | ||
| Q2 25 | — | 39.4% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 36.5% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 35.4% | ||
| Q1 24 | — | 38.1% |
| Q4 25 | 28.7% | 10.1% | ||
| Q3 25 | 27.4% | 14.6% | ||
| Q2 25 | 29.5% | 13.9% | ||
| Q1 25 | 30.8% | 7.8% | ||
| Q4 24 | 28.9% | 8.8% | ||
| Q3 24 | 25.9% | 12.3% | ||
| Q2 24 | 25.5% | 11.0% | ||
| Q1 24 | 29.0% | 8.4% |
| Q4 25 | — | 7.0% | ||
| Q3 25 | 21.0% | 12.7% | ||
| Q2 25 | 22.9% | 8.7% | ||
| Q1 25 | 24.6% | 4.4% | ||
| Q4 24 | — | 6.5% | ||
| Q3 24 | 20.5% | 8.3% | ||
| Q2 24 | 19.6% | 6.5% | ||
| Q1 24 | 22.3% | 4.9% |
| Q4 25 | $2.05 | $0.41 | ||
| Q3 25 | $1.87 | $0.78 | ||
| Q2 25 | $1.68 | $0.55 | ||
| Q1 25 | $1.57 | $0.22 | ||
| Q4 24 | $1.29 | $0.38 | ||
| Q3 24 | $1.15 | $0.48 | ||
| Q2 24 | $1.00 | $0.38 | ||
| Q1 24 | $1.04 | $0.24 |
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 | $71.3M |
| Total DebtLower is stronger | — | $181.6M |
| Stockholders' EquityBook value | $942.7M | $640.7M |
| Total Assets | $3.1B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.28× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $71.3M | ||
| Q3 25 | $111.7M | $187.4M | ||
| Q2 25 | $81.3M | $121.7M | ||
| Q1 25 | $119.3M | $97.8M | ||
| Q4 24 | $80.4M | $99.2M | ||
| Q3 24 | $86.5M | $115.6M | ||
| Q2 24 | $47.8M | $94.2M | ||
| Q1 24 | $61.4M | $89.8M |
| Q4 25 | — | $181.6M | ||
| Q3 25 | — | $307.8M | ||
| Q2 25 | — | $304.4M | ||
| Q1 25 | — | $302.9M | ||
| Q4 24 | — | $302.8M | ||
| Q3 24 | — | $337.9M | ||
| Q2 24 | — | $387.6M | ||
| Q1 24 | — | $391.8M |
| Q4 25 | $942.7M | $640.7M | ||
| Q3 25 | $878.1M | $621.0M | ||
| Q2 25 | $847.2M | $575.0M | ||
| Q1 25 | $790.4M | $513.1M | ||
| Q4 24 | $729.0M | $489.1M | ||
| Q3 24 | $703.3M | $501.6M | ||
| Q2 24 | $532.6M | $451.2M | ||
| Q1 24 | $501.7M | $428.5M |
| Q4 25 | $3.1B | $1.2B | ||
| Q3 25 | $2.9B | $1.3B | ||
| Q2 25 | $2.8B | $1.3B | ||
| Q1 25 | $2.4B | $1.2B | ||
| Q4 24 | $2.3B | $1.2B | ||
| Q3 24 | $2.3B | $1.2B | ||
| Q2 24 | $2.0B | $1.2B | ||
| Q1 24 | $1.9B | $1.2B |
| Q4 25 | — | 0.28× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.53× | ||
| Q1 25 | — | 0.59× | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | 0.67× | ||
| Q2 24 | — | 0.86× | ||
| Q1 24 | — | 0.91× |
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 | $49.3M |
| Free Cash FlowOCF − Capex | $409.0M | $28.6M |
| FCF MarginFCF / Revenue | 161.4% | 8.2% |
| Capex IntensityCapex / Revenue | 0.1% | 5.9% |
| Cash ConversionOCF / Net Profit | — | 2.02× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $121.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $49.3M | ||
| Q3 25 | $83.6M | $76.7M | ||
| Q2 25 | $120.9M | $30.1M | ||
| Q1 25 | $87.2M | $11.7M | ||
| Q4 24 | $261.2M | $38.0M | ||
| Q3 24 | $100.3M | $76.2M | ||
| Q2 24 | $55.1M | $21.5M | ||
| Q1 24 | $33.1M | $12.6M |
| Q4 25 | $409.0M | $28.6M | ||
| Q3 25 | $83.6M | $66.1M | ||
| Q2 25 | $120.8M | $22.8M | ||
| Q1 25 | $87.1M | $4.3M | ||
| Q4 24 | $260.9M | $24.4M | ||
| Q3 24 | $100.1M | $69.7M | ||
| Q2 24 | — | $12.0M | ||
| Q1 24 | — | $8.6M |
| Q4 25 | 161.4% | 8.2% | ||
| Q3 25 | 34.2% | 18.1% | ||
| Q2 25 | 59.4% | 6.1% | ||
| Q1 25 | 49.9% | 1.4% | ||
| Q4 24 | 167.5% | 7.3% | ||
| Q3 24 | 67.4% | 20.3% | ||
| Q2 24 | — | 3.5% | ||
| Q1 24 | — | 3.0% |
| Q4 25 | 0.1% | 5.9% | ||
| Q3 25 | 0.0% | 2.9% | ||
| Q2 25 | 0.0% | 2.0% | ||
| Q1 25 | 0.0% | 2.5% | ||
| Q4 24 | 0.2% | 4.1% | ||
| Q3 24 | 0.1% | 1.9% | ||
| Q2 24 | 0.0% | 2.8% | ||
| Q1 24 | 0.0% | 1.4% |
| Q4 25 | — | 2.02× | ||
| Q3 25 | 1.63× | 1.66× | ||
| Q2 25 | 2.60× | 0.93× | ||
| Q1 25 | 2.03× | 0.90× | ||
| Q4 24 | — | 1.75× | ||
| Q3 24 | 3.29× | 2.68× | ||
| Q2 24 | 2.14× | 0.95× | ||
| Q1 24 | 1.26× | 0.89× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
TILE
| AMS | $205.9M | 59% |
| EAAA | $143.5M | 41% |
