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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and XPLR Infrastructure, LP (XIFR). Click either name above to swap in a different company.
Palomar Holdings, Inc. is the larger business by last-quarter revenue ($253.4M vs $249.0M, roughly 1.0× XPLR Infrastructure, LP). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -15.3%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-88.0M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs -1.6%).
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.
XPLR Infrastructure is a publicly traded subsidiary of NextEra Energy, is a Juno Beach, Florida-based renewable energy company.
PLMR vs XIFR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $249.0M |
| Net Profit | — | $28.0M |
| Gross Margin | — | — |
| Operating Margin | 28.7% | -19.3% |
| Net Margin | — | 11.2% |
| Revenue YoY | 62.7% | -15.3% |
| Net Profit YoY | — | 124.3% |
| 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 | $249.0M | ||
| Q3 25 | $244.7M | $315.0M | ||
| Q2 25 | $203.3M | $342.0M | ||
| Q1 25 | $174.6M | $282.0M | ||
| Q4 24 | $155.8M | $294.0M | ||
| Q3 24 | $148.5M | $319.0M | ||
| Q2 24 | $131.1M | $360.0M | ||
| Q1 24 | $118.5M | $257.0M |
| Q4 25 | — | $28.0M | ||
| Q3 25 | $51.5M | $-37.0M | ||
| Q2 25 | $46.5M | $79.0M | ||
| Q1 25 | $42.9M | $-98.0M | ||
| Q4 24 | — | $-115.0M | ||
| Q3 24 | $30.5M | $-40.0M | ||
| Q2 24 | $25.7M | $62.0M | ||
| Q1 24 | $26.4M | $70.0M |
| Q4 25 | 28.7% | -19.3% | ||
| Q3 25 | 27.4% | 1.6% | ||
| Q2 25 | 29.5% | 26.3% | ||
| Q1 25 | 30.8% | -82.6% | ||
| Q4 24 | 28.9% | -188.1% | ||
| Q3 24 | 25.9% | 15.4% | ||
| Q2 24 | 25.5% | 18.3% | ||
| Q1 24 | 29.0% | -8.2% |
| Q4 25 | — | 11.2% | ||
| Q3 25 | 21.0% | -11.7% | ||
| Q2 25 | 22.9% | 23.1% | ||
| Q1 25 | 24.6% | -34.8% | ||
| Q4 24 | — | -39.1% | ||
| Q3 24 | 20.5% | -12.5% | ||
| Q2 24 | 19.6% | 17.2% | ||
| Q1 24 | 22.3% | 27.2% |
| Q4 25 | $2.05 | — | ||
| Q3 25 | $1.87 | $-0.40 | ||
| Q2 25 | $1.68 | $0.84 | ||
| Q1 25 | $1.57 | $-1.05 | ||
| Q4 24 | $1.29 | — | ||
| Q3 24 | $1.15 | $-0.43 | ||
| Q2 24 | $1.00 | $0.66 | ||
| Q1 24 | $1.04 | $0.75 |
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 | $960.0M |
| Total DebtLower is stronger | — | $6.2B |
| Stockholders' EquityBook value | $942.7M | $10.9B |
| Total Assets | $3.1B | $19.6B |
| Debt / EquityLower = less leverage | — | 0.57× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $960.0M | ||
| Q3 25 | $111.7M | $711.0M | ||
| Q2 25 | $81.3M | $880.0M | ||
| Q1 25 | $119.3M | $1.5B | ||
| Q4 24 | $80.4M | $283.0M | ||
| Q3 24 | $86.5M | $290.0M | ||
| Q2 24 | $47.8M | $281.0M | ||
| Q1 24 | $61.4M | $245.0M |
| Q4 25 | — | $6.2B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $942.7M | $10.9B | ||
| Q3 25 | $878.1M | $11.0B | ||
| Q2 25 | $847.2M | $11.3B | ||
| Q1 25 | $790.4M | $12.6B | ||
| Q4 24 | $729.0M | $12.9B | ||
| Q3 24 | $703.3M | $13.6B | ||
| Q2 24 | $532.6M | $13.9B | ||
| Q1 24 | $501.7M | $14.0B |
| Q4 25 | $3.1B | $19.6B | ||
| Q3 25 | $2.9B | $19.1B | ||
| Q2 25 | $2.8B | $20.5B | ||
| Q1 25 | $2.4B | $21.4B | ||
| Q4 24 | $2.3B | $20.3B | ||
| Q3 24 | $2.3B | $20.9B | ||
| Q2 24 | $2.0B | $21.7B | ||
| Q1 24 | $1.9B | $22.3B |
| Q4 25 | — | 0.57× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.41× | ||
| 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 | $186.0M |
| Free Cash FlowOCF − Capex | $409.0M | $-88.0M |
| FCF MarginFCF / Revenue | 161.4% | -35.3% |
| Capex IntensityCapex / Revenue | 0.1% | 110.0% |
| Cash ConversionOCF / Net Profit | — | 6.64× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $-219.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $186.0M | ||
| Q3 25 | $83.6M | $231.0M | ||
| Q2 25 | $120.9M | $232.0M | ||
| Q1 25 | $87.2M | $90.0M | ||
| Q4 24 | $261.2M | $283.0M | ||
| Q3 24 | $100.3M | $208.0M | ||
| Q2 24 | $55.1M | $231.0M | ||
| Q1 24 | $33.1M | $78.0M |
| Q4 25 | $409.0M | $-88.0M | ||
| Q3 25 | $83.6M | $-283.0M | ||
| Q2 25 | $120.8M | $151.0M | ||
| Q1 25 | $87.1M | $1.0M | ||
| Q4 24 | $260.9M | $231.0M | ||
| Q3 24 | $100.1M | $152.0M | ||
| Q2 24 | — | $162.0M | ||
| Q1 24 | — | $14.0M |
| Q4 25 | 161.4% | -35.3% | ||
| Q3 25 | 34.2% | -89.8% | ||
| Q2 25 | 59.4% | 44.2% | ||
| Q1 25 | 49.9% | 0.4% | ||
| Q4 24 | 167.5% | 78.6% | ||
| Q3 24 | 67.4% | 47.6% | ||
| Q2 24 | — | 45.0% | ||
| Q1 24 | — | 5.4% |
| Q4 25 | 0.1% | 110.0% | ||
| Q3 25 | 0.0% | 163.2% | ||
| Q2 25 | 0.0% | 23.7% | ||
| Q1 25 | 0.0% | 31.6% | ||
| Q4 24 | 0.2% | 17.7% | ||
| Q3 24 | 0.1% | 17.6% | ||
| Q2 24 | 0.0% | 19.2% | ||
| Q1 24 | 0.0% | 24.9% |
| Q4 25 | — | 6.64× | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | 2.94× | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.29× | — | ||
| Q2 24 | 2.14× | 3.73× | ||
| Q1 24 | 1.26× | 1.11× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
XIFR
| Renewable Energy Sales | $238.0M | 96% |
| Related Party | $8.0M | 3% |
