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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
Westrock Coffee Co is the larger business by last-quarter revenue ($339.5M vs $253.4M, roughly 1.3× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 48.3%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $27.8M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 32.8%).
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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
PLMR vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $339.5M |
| Net Profit | — | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 28.7% | -2.6% |
| Net Margin | — | -6.6% |
| Revenue YoY | 62.7% | 48.3% |
| Net Profit YoY | — | 8.3% |
| EPS (diluted) | $2.05 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $244.7M | $354.8M | ||
| Q2 25 | $203.3M | $280.9M | ||
| Q1 25 | $174.6M | $213.8M | ||
| Q4 24 | $155.8M | $229.0M | ||
| Q3 24 | $148.5M | $220.9M | ||
| Q2 24 | $131.1M | $208.4M | ||
| Q1 24 | $118.5M | $192.5M |
| Q4 25 | — | $-22.6M | ||
| Q3 25 | $51.5M | $-19.1M | ||
| Q2 25 | $46.5M | $-21.6M | ||
| Q1 25 | $42.9M | $-27.2M | ||
| Q4 24 | — | $-24.6M | ||
| Q3 24 | $30.5M | $-14.3M | ||
| Q2 24 | $25.7M | $-17.8M | ||
| Q1 24 | $26.4M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 28.7% | -2.6% | ||
| Q3 25 | 27.4% | -2.4% | ||
| Q2 25 | 29.5% | -5.3% | ||
| Q1 25 | 30.8% | -6.1% | ||
| Q4 24 | 28.9% | -4.3% | ||
| Q3 24 | 25.9% | -5.8% | ||
| Q2 24 | 25.5% | -7.9% | ||
| Q1 24 | 29.0% | -5.3% |
| Q4 25 | — | -6.6% | ||
| Q3 25 | 21.0% | -5.4% | ||
| Q2 25 | 22.9% | -7.7% | ||
| Q1 25 | 24.6% | -12.7% | ||
| Q4 24 | — | -10.7% | ||
| Q3 24 | 20.5% | -6.5% | ||
| Q2 24 | 19.6% | -8.5% | ||
| Q1 24 | 22.3% | -12.3% |
| Q4 25 | $2.05 | $-0.22 | ||
| Q3 25 | $1.87 | $-0.20 | ||
| Q2 25 | $1.68 | $-0.23 | ||
| Q1 25 | $1.57 | $-0.29 | ||
| Q4 24 | $1.29 | $-0.26 | ||
| Q3 24 | $1.15 | $-0.16 | ||
| Q2 24 | $1.00 | $-0.20 | ||
| Q1 24 | $1.04 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | — | $444.1M |
| Stockholders' EquityBook value | $942.7M | $-1.9M |
| Total Assets | $3.1B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $49.9M | ||
| Q3 25 | $111.7M | $34.0M | ||
| Q2 25 | $81.3M | $44.0M | ||
| Q1 25 | $119.3M | $33.1M | ||
| Q4 24 | $80.4M | $26.2M | ||
| Q3 24 | $86.5M | $22.4M | ||
| Q2 24 | $47.8M | $24.3M | ||
| Q1 24 | $61.4M | $12.6M |
| Q4 25 | — | $444.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $393.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $942.7M | $-1.9M | ||
| Q3 25 | $878.1M | $11.4M | ||
| Q2 25 | $847.2M | $18.2M | ||
| Q1 25 | $790.4M | $71.4M | ||
| Q4 24 | $729.0M | $97.5M | ||
| Q3 24 | $703.3M | $110.3M | ||
| Q2 24 | $532.6M | $81.5M | ||
| Q1 24 | $501.7M | $91.7M |
| Q4 25 | $3.1B | $1.2B | ||
| 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 | $983.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.03× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $36.7M |
| Free Cash FlowOCF − Capex | $409.0M | $27.8M |
| FCF MarginFCF / Revenue | 161.4% | 8.2% |
| Capex IntensityCapex / Revenue | 0.1% | 2.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $36.7M | ||
| Q3 25 | $83.6M | $-26.6M | ||
| Q2 25 | $120.9M | $-7.0M | ||
| Q1 25 | $87.2M | $-22.1M | ||
| Q4 24 | $261.2M | $2.8M | ||
| Q3 24 | $100.3M | $-332.0K | ||
| Q2 24 | $55.1M | $-23.7M | ||
| Q1 24 | $33.1M | $8.0M |
| Q4 25 | $409.0M | $27.8M | ||
| Q3 25 | $83.6M | $-44.7M | ||
| Q2 25 | $120.8M | $-27.5M | ||
| Q1 25 | $87.1M | $-63.4M | ||
| Q4 24 | $260.9M | $-15.4M | ||
| Q3 24 | $100.1M | $-36.7M | ||
| Q2 24 | — | $-59.9M | ||
| Q1 24 | — | $-60.9M |
| Q4 25 | 161.4% | 8.2% | ||
| Q3 25 | 34.2% | -12.6% | ||
| Q2 25 | 59.4% | -9.8% | ||
| Q1 25 | 49.9% | -29.7% | ||
| Q4 24 | 167.5% | -6.7% | ||
| Q3 24 | 67.4% | -16.6% | ||
| Q2 24 | — | -28.7% | ||
| Q1 24 | — | -31.7% |
| Q4 25 | 0.1% | 2.6% | ||
| Q3 25 | 0.0% | 5.1% | ||
| Q2 25 | 0.0% | 7.3% | ||
| Q1 25 | 0.0% | 19.3% | ||
| Q4 24 | 0.2% | 7.9% | ||
| Q3 24 | 0.1% | 16.5% | ||
| Q2 24 | 0.0% | 17.4% | ||
| Q1 24 | 0.0% | 35.8% |
| 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.
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
