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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and Zeta Global Holdings Corp. (ZETA). Click either name above to swap in a different company.
Zeta Global Holdings Corp. is the larger business by last-quarter revenue ($394.6M vs $253.4M, roughly 1.6× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 25.4%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $60.9M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 42.3%).
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.
Zeta Global Holdings Corp. is an American marketing technology company which was founded in 2007. Zeta offers companies a suite of multichannel marketing tools focused on creating, maintaining, and monetizing customer relationships. The company went public on the New York Stock Exchange on June 10, 2021, at a US$1.7 billion valuation.
PLMR vs ZETA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $394.6M |
| Net Profit | — | $6.5M |
| Gross Margin | — | 59.5% |
| Operating Margin | 28.7% | 4.5% |
| Net Margin | — | 1.7% |
| Revenue YoY | 62.7% | 25.4% |
| Net Profit YoY | — | -57.1% |
| EPS (diluted) | $2.05 | $0.04 |
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 | $394.6M | ||
| Q3 25 | $244.7M | $337.2M | ||
| Q2 25 | $203.3M | $308.4M | ||
| Q1 25 | $174.6M | $264.4M | ||
| Q4 24 | $155.8M | $314.7M | ||
| Q3 24 | $148.5M | $268.3M | ||
| Q2 24 | $131.1M | $227.8M | ||
| Q1 24 | $118.5M | $194.9M |
| Q4 25 | — | $6.5M | ||
| Q3 25 | $51.5M | $-3.6M | ||
| Q2 25 | $46.5M | $-12.8M | ||
| Q1 25 | $42.9M | $-21.6M | ||
| Q4 24 | — | $15.2M | ||
| Q3 24 | $30.5M | $-17.4M | ||
| Q2 24 | $25.7M | $-28.1M | ||
| Q1 24 | $26.4M | $-39.6M |
| Q4 25 | — | 59.5% | ||
| Q3 25 | — | 60.5% | ||
| Q2 25 | — | 62.1% | ||
| Q1 25 | — | 60.9% | ||
| Q4 24 | — | 60.0% | ||
| Q3 24 | — | 60.6% | ||
| Q2 24 | — | 60.0% | ||
| Q1 24 | — | 60.6% |
| Q4 25 | 28.7% | 4.5% | ||
| Q3 25 | 27.4% | 2.6% | ||
| Q2 25 | 29.5% | -1.7% | ||
| Q1 25 | 30.8% | -6.1% | ||
| Q4 24 | 28.9% | 2.2% | ||
| Q3 24 | 25.9% | -4.6% | ||
| Q2 24 | 25.5% | -11.7% | ||
| Q1 24 | 29.0% | -18.4% |
| Q4 25 | — | 1.7% | ||
| Q3 25 | 21.0% | -1.1% | ||
| Q2 25 | 22.9% | -4.2% | ||
| Q1 25 | 24.6% | -8.2% | ||
| Q4 24 | — | 4.8% | ||
| Q3 24 | 20.5% | -6.5% | ||
| Q2 24 | 19.6% | -12.3% | ||
| Q1 24 | 22.3% | -20.3% |
| Q4 25 | $2.05 | $0.04 | ||
| Q3 25 | $1.87 | $-0.02 | ||
| Q2 25 | $1.68 | $-0.06 | ||
| Q1 25 | $1.57 | $-0.10 | ||
| Q4 24 | $1.29 | $0.10 | ||
| Q3 24 | $1.15 | $-0.09 | ||
| Q2 24 | $1.00 | $-0.16 | ||
| Q1 24 | $1.04 | $-0.23 |
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 | $319.8M |
| Total DebtLower is stronger | — | $197.1M |
| Stockholders' EquityBook value | $942.7M | $804.6M |
| Total Assets | $3.1B | $1.5B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | $319.8M | ||
| Q3 25 | $111.7M | $385.2M | ||
| Q2 25 | $81.3M | $365.3M | ||
| Q1 25 | $119.3M | $364.4M | ||
| Q4 24 | $80.4M | $366.2M | ||
| Q3 24 | $86.5M | $418.5M | ||
| Q2 24 | $47.8M | $154.7M | ||
| Q1 24 | $61.4M | $141.6M |
| Q4 25 | — | $197.1M | ||
| Q3 25 | — | $196.9M | ||
| Q2 25 | — | $196.7M | ||
| Q1 25 | — | $196.5M | ||
| Q4 24 | — | $196.3M | ||
| Q3 24 | — | $196.1M | ||
| Q2 24 | — | $184.4M | ||
| Q1 24 | — | $184.2M |
| Q4 25 | $942.7M | $804.6M | ||
| Q3 25 | $878.1M | $689.2M | ||
| Q2 25 | $847.2M | $673.3M | ||
| Q1 25 | $790.4M | $676.6M | ||
| Q4 24 | $729.0M | $676.8M | ||
| Q3 24 | $703.3M | $474.9M | ||
| Q2 24 | $532.6M | $217.0M | ||
| Q1 24 | $501.7M | $191.6M |
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $2.9B | $1.2B | ||
| Q2 25 | $2.8B | $1.1B | ||
| Q1 25 | $2.4B | $1.1B | ||
| Q4 24 | $2.3B | $1.1B | ||
| Q3 24 | $2.3B | $869.1M | ||
| Q2 24 | $2.0B | $583.9M | ||
| Q1 24 | $1.9B | $550.3M |
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 0.29× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.29× | ||
| Q4 24 | — | 0.29× | ||
| Q3 24 | — | 0.41× | ||
| Q2 24 | — | 0.85× | ||
| Q1 24 | — | 0.96× |
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 | $64.1M |
| Free Cash FlowOCF − Capex | $409.0M | $60.9M |
| FCF MarginFCF / Revenue | 161.4% | 15.4% |
| Capex IntensityCapex / Revenue | 0.1% | 0.8% |
| Cash ConversionOCF / Net Profit | — | 9.81× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $185.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | $64.1M | ||
| Q3 25 | $83.6M | $57.9M | ||
| Q2 25 | $120.9M | $42.0M | ||
| Q1 25 | $87.2M | $34.8M | ||
| Q4 24 | $261.2M | $43.7M | ||
| Q3 24 | $100.3M | $34.4M | ||
| Q2 24 | $55.1M | $31.1M | ||
| Q1 24 | $33.1M | $24.7M |
| Q4 25 | $409.0M | $60.9M | ||
| Q3 25 | $83.6M | $52.4M | ||
| Q2 25 | $120.8M | $39.7M | ||
| Q1 25 | $87.1M | $32.1M | ||
| Q4 24 | $260.9M | $35.4M | ||
| Q3 24 | $100.1M | $29.5M | ||
| Q2 24 | — | $24.4M | ||
| Q1 24 | — | $18.9M |
| Q4 25 | 161.4% | 15.4% | ||
| Q3 25 | 34.2% | 15.6% | ||
| Q2 25 | 59.4% | 12.9% | ||
| Q1 25 | 49.9% | 12.1% | ||
| Q4 24 | 167.5% | 11.3% | ||
| Q3 24 | 67.4% | 11.0% | ||
| Q2 24 | — | 10.7% | ||
| Q1 24 | — | 9.7% |
| Q4 25 | 0.1% | 0.8% | ||
| Q3 25 | 0.0% | 1.6% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.0% | 1.0% | ||
| Q4 24 | 0.2% | 2.6% | ||
| Q3 24 | 0.1% | 1.8% | ||
| Q2 24 | 0.0% | 3.0% | ||
| Q1 24 | 0.0% | 3.0% |
| Q4 25 | — | 9.81× | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | — | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | 2.87× | ||
| 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.
