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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and USANA HEALTH SCIENCES INC (USNA). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $250.2M, roughly 1.0× USANA HEALTH SCIENCES INC). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -3.0%). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 11.8%).
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.
Usana Health Sciences, Inc., or USANA, is an American multi-level marketing company based in Salt Lake City, Utah. As of 2021, Usana was the 14th largest direct-selling company in the world by revenue. The company manufactures most of its nutritional products, dietary supplements, and skincare products at a Salt Lake City facility. Its products are sold in 24 countries via a network of independent distributors.
PLMR vs USNA — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2027
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $250.2M |
| Net Profit | — | $7.5M |
| Gross Margin | — | 76.2% |
| Operating Margin | 28.7% | 5.5% |
| Net Margin | — | 3.0% |
| Revenue YoY | 62.7% | -3.0% |
| Net Profit YoY | — | -20.0% |
| 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.
| Q1 26 | — | $250.2M | ||
| Q4 25 | $253.4M | $226.2M | ||
| Q3 25 | $244.7M | $213.7M | ||
| Q2 25 | $203.3M | $235.8M | ||
| Q1 25 | $174.6M | $249.5M | ||
| Q4 24 | $155.8M | $213.6M | ||
| Q3 24 | $148.5M | $200.2M | ||
| Q2 24 | $131.1M | — |
| Q1 26 | — | $7.5M | ||
| Q4 25 | — | $180.0K | ||
| Q3 25 | $51.5M | $-6.5M | ||
| Q2 25 | $46.5M | $9.7M | ||
| Q1 25 | $42.9M | $9.4M | ||
| Q4 24 | — | $4.5M | ||
| Q3 24 | $30.5M | $10.6M | ||
| Q2 24 | $25.7M | — |
| Q1 26 | — | 76.2% | ||
| Q4 25 | — | 78.2% | ||
| Q3 25 | — | 77.2% | ||
| Q2 25 | — | 78.7% | ||
| Q1 25 | — | 79.0% | ||
| Q4 24 | — | 82.0% | ||
| Q3 24 | — | 80.4% | ||
| Q2 24 | — | — |
| Q1 26 | — | 5.5% | ||
| Q4 25 | 28.7% | 1.7% | ||
| Q3 25 | 27.4% | 0.6% | ||
| Q2 25 | 29.5% | 7.1% | ||
| Q1 25 | 30.8% | 6.3% | ||
| Q4 24 | 28.9% | 3.8% | ||
| Q3 24 | 25.9% | 7.8% | ||
| Q2 24 | 25.5% | — |
| Q1 26 | — | 3.0% | ||
| Q4 25 | — | 0.1% | ||
| Q3 25 | 21.0% | -3.1% | ||
| Q2 25 | 22.9% | 4.1% | ||
| Q1 25 | 24.6% | 3.8% | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | 20.5% | 5.3% | ||
| Q2 24 | 19.6% | — |
| Q1 26 | — | $0.41 | ||
| Q4 25 | $2.05 | $-0.10 | ||
| Q3 25 | $1.87 | $-0.36 | ||
| Q2 25 | $1.68 | $0.52 | ||
| Q1 25 | $1.57 | $0.49 | ||
| Q4 24 | $1.29 | $0.23 | ||
| Q3 24 | $1.15 | $0.56 | ||
| Q2 24 | $1.00 | — |
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 | $162.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $942.7M | — |
| Total Assets | $3.1B | $739.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $162.8M | ||
| Q4 25 | $106.9M | $158.4M | ||
| Q3 25 | $111.7M | $145.3M | ||
| Q2 25 | $81.3M | $151.3M | ||
| Q1 25 | $119.3M | $179.6M | ||
| Q4 24 | $80.4M | $181.8M | ||
| Q3 24 | $86.5M | $364.9M | ||
| Q2 24 | $47.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | $942.7M | — | ||
| Q3 25 | $878.1M | $528.1M | ||
| Q2 25 | $847.2M | $531.1M | ||
| Q1 25 | $790.4M | $529.8M | ||
| Q4 24 | $729.0M | $532.1M | ||
| Q3 24 | $703.3M | $533.1M | ||
| Q2 24 | $532.6M | — |
| Q1 26 | — | $739.0M | ||
| Q4 25 | $3.1B | $742.9M | ||
| Q3 25 | $2.9B | $726.6M | ||
| Q2 25 | $2.8B | $734.5M | ||
| Q1 25 | $2.4B | $746.6M | ||
| Q4 24 | $2.3B | $748.2M | ||
| Q3 24 | $2.3B | $671.3M | ||
| Q2 24 | $2.0B | — |
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.
| Q1 26 | — | — | ||
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | $-2.0M | ||
| Q2 25 | $120.9M | $12.2M | ||
| Q1 25 | $87.2M | $15.5M | ||
| Q4 24 | $261.2M | $5.8M | ||
| Q3 24 | $100.3M | $29.5M | ||
| Q2 24 | $55.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | $-5.2M | ||
| Q2 25 | $120.8M | $7.2M | ||
| Q1 25 | $87.1M | $12.7M | ||
| Q4 24 | $260.9M | $4.0M | ||
| Q3 24 | $100.1M | $27.1M | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | -2.4% | ||
| Q2 25 | 59.4% | 3.0% | ||
| Q1 25 | 49.9% | 5.1% | ||
| Q4 24 | 167.5% | 1.9% | ||
| Q3 24 | 67.4% | 13.6% | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | 1.5% | ||
| Q2 25 | 0.0% | 2.1% | ||
| Q1 25 | 0.0% | 1.1% | ||
| Q4 24 | 0.2% | 0.8% | ||
| Q3 24 | 0.1% | 1.2% | ||
| Q2 24 | 0.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | 1.27× | ||
| Q1 25 | 2.03× | 1.65× | ||
| Q4 24 | — | 1.29× | ||
| Q3 24 | 3.29× | 2.78× | ||
| Q2 24 | 2.14× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
