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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $220.8M, roughly 1.1× UNIVERSAL TECHNICAL INSTITUTE INC). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 9.6%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-19.2M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 9.5%).
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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
PLMR vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $220.8M |
| Net Profit | — | $12.8M |
| Gross Margin | — | — |
| Operating Margin | 28.7% | 7.1% |
| Net Margin | — | 5.8% |
| Revenue YoY | 62.7% | 9.6% |
| Net Profit YoY | — | -42.1% |
| EPS (diluted) | $2.05 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $244.7M | $222.4M | ||
| Q2 25 | $203.3M | $204.3M | ||
| Q1 25 | $174.6M | $207.4M | ||
| Q4 24 | $155.8M | $201.4M | ||
| Q3 24 | $148.5M | $196.4M | ||
| Q2 24 | $131.1M | $177.5M | ||
| Q1 24 | $118.5M | $184.2M |
| Q4 25 | — | $12.8M | ||
| Q3 25 | $51.5M | $18.8M | ||
| Q2 25 | $46.5M | $10.7M | ||
| Q1 25 | $42.9M | $11.4M | ||
| Q4 24 | — | $22.2M | ||
| Q3 24 | $30.5M | $18.8M | ||
| Q2 24 | $25.7M | $5.0M | ||
| Q1 24 | $26.4M | $7.8M |
| Q4 25 | 28.7% | 7.1% | ||
| Q3 25 | 27.4% | 11.2% | ||
| Q2 25 | 29.5% | 6.9% | ||
| Q1 25 | 30.8% | 8.1% | ||
| Q4 24 | 28.9% | 13.6% | ||
| Q3 24 | 25.9% | 13.3% | ||
| Q2 24 | 25.5% | 4.2% | ||
| Q1 24 | 29.0% | 6.1% |
| Q4 25 | — | 5.8% | ||
| Q3 25 | 21.0% | 8.4% | ||
| Q2 25 | 22.9% | 5.2% | ||
| Q1 25 | 24.6% | 5.5% | ||
| Q4 24 | — | 11.0% | ||
| Q3 24 | 20.5% | 9.6% | ||
| Q2 24 | 19.6% | 2.8% | ||
| Q1 24 | 22.3% | 4.2% |
| Q4 25 | $2.05 | $0.23 | ||
| Q3 25 | $1.87 | $0.33 | ||
| Q2 25 | $1.68 | $0.19 | ||
| Q1 25 | $1.57 | $0.21 | ||
| Q4 24 | $1.29 | $0.40 | ||
| Q3 24 | $1.15 | $0.35 | ||
| Q2 24 | $1.00 | $0.09 | ||
| Q1 24 | $1.04 | $0.14 |
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 | — | $101.4M |
| Stockholders' EquityBook value | $942.7M | $335.9M |
| Total Assets | $3.1B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $162.8M | ||
| Q3 25 | $111.7M | $169.1M | ||
| Q2 25 | $81.3M | $70.7M | ||
| Q1 25 | $119.3M | $96.0M | ||
| Q4 24 | $80.4M | $172.0M | ||
| Q3 24 | $86.5M | $161.9M | ||
| Q2 24 | $47.8M | $115.5M | ||
| Q1 24 | $61.4M | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $942.7M | $335.9M | ||
| Q3 25 | $878.1M | $328.1M | ||
| Q2 25 | $847.2M | $306.8M | ||
| Q1 25 | $790.4M | $293.9M | ||
| Q4 24 | $729.0M | $280.0M | ||
| Q3 24 | $703.3M | $260.2M | ||
| Q2 24 | $532.6M | $239.4M | ||
| Q1 24 | $501.7M | $232.6M |
| Q4 25 | $3.1B | $834.0M | ||
| Q3 25 | $2.9B | $826.1M | ||
| Q2 25 | $2.8B | $740.8M | ||
| Q1 25 | $2.4B | $720.4M | ||
| Q4 24 | $2.3B | $753.8M | ||
| Q3 24 | $2.3B | $744.6M | ||
| Q2 24 | $2.0B | $706.0M | ||
| Q1 24 | $1.9B | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
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 | $3.1M |
| Free Cash FlowOCF − Capex | $409.0M | $-19.2M |
| FCF MarginFCF / Revenue | 161.4% | -8.7% |
| Capex IntensityCapex / Revenue | 0.1% | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $3.1M | ||
| Q3 25 | $83.6M | $57.1M | ||
| Q2 25 | $120.9M | $18.1M | ||
| Q1 25 | $87.2M | $-789.0K | ||
| Q4 24 | $261.2M | $23.0M | ||
| Q3 24 | $100.3M | $67.5M | ||
| Q2 24 | $55.1M | $10.0M | ||
| Q1 24 | $33.1M | $-2.5M |
| Q4 25 | $409.0M | $-19.2M | ||
| Q3 25 | $83.6M | $40.6M | ||
| Q2 25 | $120.8M | $6.8M | ||
| Q1 25 | $87.1M | $-11.7M | ||
| Q4 24 | $260.9M | $19.6M | ||
| Q3 24 | $100.1M | $60.0M | ||
| Q2 24 | — | $3.0M | ||
| Q1 24 | — | $-8.4M |
| Q4 25 | 161.4% | -8.7% | ||
| Q3 25 | 34.2% | 18.3% | ||
| Q2 25 | 59.4% | 3.4% | ||
| Q1 25 | 49.9% | -5.7% | ||
| Q4 24 | 167.5% | 9.7% | ||
| Q3 24 | 67.4% | 30.6% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | -4.6% |
| Q4 25 | 0.1% | 10.1% | ||
| Q3 25 | 0.0% | 7.4% | ||
| Q2 25 | 0.0% | 5.5% | ||
| Q1 25 | 0.0% | 5.3% | ||
| Q4 24 | 0.2% | 1.7% | ||
| Q3 24 | 0.1% | 3.8% | ||
| Q2 24 | 0.0% | 4.0% | ||
| Q1 24 | 0.0% | 3.2% |
| Q4 25 | — | 0.24× | ||
| Q3 25 | 1.63× | 3.04× | ||
| Q2 25 | 2.60× | 1.69× | ||
| Q1 25 | 2.03× | -0.07× | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | 3.29× | 3.58× | ||
| Q2 24 | 2.14× | 2.01× | ||
| Q1 24 | 1.26× | -0.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
