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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and TOOTSIE ROLL INDUSTRIES INC (TR). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $196.3M, roughly 1.3× TOOTSIE ROLL INDUSTRIES INC). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 1.5%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $61.0M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 13.2%).
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.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
PLMR vs TR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $196.3M |
| Net Profit | — | $28.8M |
| Gross Margin | — | 35.7% |
| Operating Margin | 28.7% | 17.0% |
| Net Margin | — | 14.7% |
| Revenue YoY | 62.7% | 1.5% |
| Net Profit YoY | — | 27.9% |
| EPS (diluted) | $2.05 | — |
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 | $196.3M | ||
| Q3 25 | $244.7M | $232.7M | ||
| Q2 25 | $203.3M | $155.1M | ||
| Q1 25 | $174.6M | $148.5M | ||
| Q4 24 | $155.8M | $193.4M | ||
| Q3 24 | $148.5M | $225.9M | ||
| Q2 24 | $131.1M | $150.7M | ||
| Q1 24 | $118.5M | $153.2M |
| Q4 25 | — | $28.8M | ||
| Q3 25 | $51.5M | $35.7M | ||
| Q2 25 | $46.5M | $17.5M | ||
| Q1 25 | $42.9M | $18.1M | ||
| Q4 24 | — | $22.5M | ||
| Q3 24 | $30.5M | $32.8M | ||
| Q2 24 | $25.7M | $15.6M | ||
| Q1 24 | $26.4M | $15.8M |
| Q4 25 | — | 35.7% | ||
| Q3 25 | — | 34.1% | ||
| Q2 25 | — | 36.4% | ||
| Q1 25 | — | 35.3% | ||
| Q4 24 | — | 39.1% | ||
| Q3 24 | — | 34.1% | ||
| Q2 24 | — | 33.5% | ||
| Q1 24 | — | 32.7% |
| Q4 25 | 28.7% | 17.0% | ||
| Q3 25 | 27.4% | 13.9% | ||
| Q2 25 | 29.5% | 7.8% | ||
| Q1 25 | 30.8% | 15.5% | ||
| Q4 24 | 28.9% | 20.0% | ||
| Q3 24 | 25.9% | 15.6% | ||
| Q2 24 | 25.5% | 10.2% | ||
| Q1 24 | 29.0% | 7.3% |
| Q4 25 | — | 14.7% | ||
| Q3 25 | 21.0% | 15.3% | ||
| Q2 25 | 22.9% | 11.3% | ||
| Q1 25 | 24.6% | 12.2% | ||
| Q4 24 | — | 11.6% | ||
| Q3 24 | 20.5% | 14.5% | ||
| Q2 24 | 19.6% | 10.4% | ||
| Q1 24 | 22.3% | 10.3% |
| Q4 25 | $2.05 | — | ||
| Q3 25 | $1.87 | — | ||
| Q2 25 | $1.68 | — | ||
| Q1 25 | $1.57 | — | ||
| Q4 24 | $1.29 | — | ||
| Q3 24 | $1.15 | — | ||
| Q2 24 | $1.00 | — | ||
| 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 | $176.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $942.7M | $941.0M |
| Total Assets | $3.1B | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $176.6M | ||
| Q3 25 | $111.7M | $119.8M | ||
| Q2 25 | $81.3M | $170.5M | ||
| Q1 25 | $119.3M | $176.6M | ||
| Q4 24 | $80.4M | $194.6M | ||
| Q3 24 | $86.5M | $163.2M | ||
| Q2 24 | $47.8M | $131.2M | ||
| Q1 24 | $61.4M | $159.4M |
| Q4 25 | $942.7M | $941.0M | ||
| Q3 25 | $878.1M | $918.9M | ||
| Q2 25 | $847.2M | $893.1M | ||
| Q1 25 | $790.4M | $879.4M | ||
| Q4 24 | $729.0M | $870.7M | ||
| Q3 24 | $703.3M | $870.2M | ||
| Q2 24 | $532.6M | $841.4M | ||
| Q1 24 | $501.7M | $834.4M |
| Q4 25 | $3.1B | $1.3B | ||
| Q3 25 | $2.9B | $1.2B | ||
| Q2 25 | $2.8B | $1.2B | ||
| Q1 25 | $2.4B | $1.1B | ||
| Q4 24 | $2.3B | $1.1B | ||
| Q3 24 | $2.3B | $1.1B | ||
| Q2 24 | $2.0B | $1.1B | ||
| Q1 24 | $1.9B | $1.1B |
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 | $73.3M |
| Free Cash FlowOCF − Capex | $409.0M | $61.0M |
| FCF MarginFCF / Revenue | 161.4% | 31.1% |
| Capex IntensityCapex / Revenue | 0.1% | 6.3% |
| Cash ConversionOCF / Net Profit | — | 2.55× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $96.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $73.3M | ||
| Q3 25 | $83.6M | $62.2M | ||
| Q2 25 | $120.9M | $-8.5M | ||
| Q1 25 | $87.2M | $3.6M | ||
| Q4 24 | $261.2M | $68.8M | ||
| Q3 24 | $100.3M | $61.3M | ||
| Q2 24 | $55.1M | $-12.6M | ||
| Q1 24 | $33.1M | $21.4M |
| Q4 25 | $409.0M | $61.0M | ||
| Q3 25 | $83.6M | $50.7M | ||
| Q2 25 | $120.8M | $-16.0M | ||
| Q1 25 | $87.1M | $750.0K | ||
| Q4 24 | $260.9M | $64.7M | ||
| Q3 24 | $100.1M | $55.8M | ||
| Q2 24 | — | $-16.6M | ||
| Q1 24 | — | $16.9M |
| Q4 25 | 161.4% | 31.1% | ||
| Q3 25 | 34.2% | 21.8% | ||
| Q2 25 | 59.4% | -10.3% | ||
| Q1 25 | 49.9% | 0.5% | ||
| Q4 24 | 167.5% | 33.5% | ||
| Q3 24 | 67.4% | 24.7% | ||
| Q2 24 | — | -11.0% | ||
| Q1 24 | — | 11.0% |
| Q4 25 | 0.1% | 6.3% | ||
| Q3 25 | 0.0% | 5.0% | ||
| Q2 25 | 0.0% | 4.8% | ||
| Q1 25 | 0.0% | 1.9% | ||
| Q4 24 | 0.2% | 2.1% | ||
| Q3 24 | 0.1% | 2.4% | ||
| Q2 24 | 0.0% | 2.6% | ||
| Q1 24 | 0.0% | 2.9% |
| Q4 25 | — | 2.55× | ||
| Q3 25 | 1.63× | 1.74× | ||
| Q2 25 | 2.60× | -0.49× | ||
| Q1 25 | 2.03× | 0.20× | ||
| Q4 24 | — | 3.06× | ||
| Q3 24 | 3.29× | 1.87× | ||
| Q2 24 | 2.14× | -0.81× | ||
| Q1 24 | 1.26× | 1.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
TR
| Products | $194.3M | 99% |
| Rental And Royalty | $1.9M | 1% |
