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Side-by-side financial comparison of Palomar Holdings, Inc. (PLMR) and OLYMPIC STEEL INC (ZEUS). Click either name above to swap in a different company.
OLYMPIC STEEL INC is the larger business by last-quarter revenue ($490.7M vs $253.4M, roughly 1.9× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs 4.4%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $-12.9M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% CAGR vs 0.1%).
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.
Olympic Steel, Inc. is a metals service center based in Cleveland, Ohio. The company processes and distributes carbon, coated and stainless flat-rolled sheet, coil and plate steel, aluminium alloy, tin plate, and metal-intensive branded products primarily in the United States. Metals processing and value added services include tempering, stretch leveling, cutting-to-length, slitting, edging, shearing, blanking, burning, forming, shot blasting, laser punching, plate rolling, fabricating, machi...
PLMR vs ZEUS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $253.4M | $490.7M |
| Net Profit | — | $2.2M |
| Gross Margin | — | — |
| Operating Margin | 28.7% | 1.5% |
| Net Margin | — | 0.4% |
| Revenue YoY | 62.7% | 4.4% |
| Net Profit YoY | — | -21.2% |
| EPS (diluted) | $2.05 | $0.18 |
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 | — | ||
| Q3 25 | $244.7M | $490.7M | ||
| Q2 25 | $203.3M | $496.5M | ||
| Q1 25 | $174.6M | $492.9M | ||
| Q4 24 | $155.8M | $418.8M | ||
| Q3 24 | $148.5M | $470.0M | ||
| Q2 24 | $131.1M | $526.3M | ||
| Q1 24 | $118.5M | $526.6M |
| Q4 25 | — | — | ||
| Q3 25 | $51.5M | $2.2M | ||
| Q2 25 | $46.5M | $5.2M | ||
| Q1 25 | $42.9M | $2.5M | ||
| Q4 24 | — | $3.9M | ||
| Q3 24 | $30.5M | $2.7M | ||
| Q2 24 | $25.7M | $7.7M | ||
| Q1 24 | $26.4M | $8.7M |
| Q4 25 | 28.7% | — | ||
| Q3 25 | 27.4% | 1.5% | ||
| Q2 25 | 29.5% | 2.3% | ||
| Q1 25 | 30.8% | 1.6% | ||
| Q4 24 | 28.9% | 2.1% | ||
| Q3 24 | 25.9% | 1.7% | ||
| Q2 24 | 25.5% | 2.9% | ||
| Q1 24 | 29.0% | 3.0% |
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | 0.4% | ||
| Q2 25 | 22.9% | 1.1% | ||
| Q1 25 | 24.6% | 0.5% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | 20.5% | 0.6% | ||
| Q2 24 | 19.6% | 1.5% | ||
| Q1 24 | 22.3% | 1.7% |
| Q4 25 | $2.05 | — | ||
| Q3 25 | $1.87 | $0.18 | ||
| Q2 25 | $1.68 | $0.45 | ||
| Q1 25 | $1.57 | $0.21 | ||
| Q4 24 | $1.29 | $0.33 | ||
| Q3 24 | $1.15 | $0.23 | ||
| 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 | $7.5M |
| Total DebtLower is stronger | — | $240.9M |
| Stockholders' EquityBook value | $942.7M | $579.1M |
| Total Assets | $3.1B | $1.1B |
| Debt / EquityLower = less leverage | — | 0.42× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.9M | — | ||
| Q3 25 | $111.7M | $7.5M | ||
| Q2 25 | $81.3M | $14.8M | ||
| Q1 25 | $119.3M | $13.3M | ||
| Q4 24 | $80.4M | $11.9M | ||
| Q3 24 | $86.5M | $11.1M | ||
| Q2 24 | $47.8M | $9.4M | ||
| Q1 24 | $61.4M | $10.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | $240.9M | ||
| Q2 25 | — | $233.2M | ||
| Q1 25 | — | $235.4M | ||
| Q4 24 | — | $272.5M | ||
| Q3 24 | — | $197.3M | ||
| Q2 24 | — | $209.2M | ||
| Q1 24 | — | $196.8M |
| Q4 25 | $942.7M | — | ||
| Q3 25 | $878.1M | $579.1M | ||
| Q2 25 | $847.2M | $578.2M | ||
| Q1 25 | $790.4M | $574.2M | ||
| Q4 24 | $729.0M | $573.9M | ||
| Q3 24 | $703.3M | $570.6M | ||
| Q2 24 | $532.6M | $569.5M | ||
| Q1 24 | $501.7M | $563.0M |
| Q4 25 | $3.1B | — | ||
| Q3 25 | $2.9B | $1.1B | ||
| Q2 25 | $2.8B | $1.1B | ||
| Q1 25 | $2.4B | $1.1B | ||
| Q4 24 | $2.3B | $1.0B | ||
| Q3 24 | $2.3B | $1.0B | ||
| Q2 24 | $2.0B | $1.0B | ||
| Q1 24 | $1.9B | $1.0B |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.42× | ||
| Q2 25 | — | 0.40× | ||
| Q1 25 | — | 0.41× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.35× | ||
| Q2 24 | — | 0.37× | ||
| Q1 24 | — | 0.35× |
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 | $-5.4M |
| Free Cash FlowOCF − Capex | $409.0M | $-12.9M |
| FCF MarginFCF / Revenue | 161.4% | -2.6% |
| Capex IntensityCapex / Revenue | 0.1% | 1.5% |
| Cash ConversionOCF / Net Profit | — | -2.50× |
| TTM Free Cash FlowTrailing 4 quarters | $700.6M | $41.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $409.1M | — | ||
| Q3 25 | $83.6M | $-5.4M | ||
| Q2 25 | $120.9M | $15.5M | ||
| Q1 25 | $87.2M | $49.4M | ||
| Q4 24 | $261.2M | $14.6M | ||
| Q3 24 | $100.3M | $24.6M | ||
| Q2 24 | $55.1M | $-2.9M | ||
| Q1 24 | $33.1M | $-2.6M |
| Q4 25 | $409.0M | — | ||
| Q3 25 | $83.6M | $-12.9M | ||
| Q2 25 | $120.8M | $6.8M | ||
| Q1 25 | $87.1M | $40.6M | ||
| Q4 24 | $260.9M | $7.4M | ||
| Q3 24 | $100.1M | $15.6M | ||
| Q2 24 | — | $-11.3M | ||
| Q1 24 | — | $-7.4M |
| Q4 25 | 161.4% | — | ||
| Q3 25 | 34.2% | -2.6% | ||
| Q2 25 | 59.4% | 1.4% | ||
| Q1 25 | 49.9% | 8.2% | ||
| Q4 24 | 167.5% | 1.8% | ||
| Q3 24 | 67.4% | 3.3% | ||
| Q2 24 | — | -2.2% | ||
| Q1 24 | — | -1.4% |
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.0% | 1.5% | ||
| Q2 25 | 0.0% | 1.7% | ||
| Q1 25 | 0.0% | 1.8% | ||
| Q4 24 | 0.2% | 1.7% | ||
| Q3 24 | 0.1% | 1.9% | ||
| Q2 24 | 0.0% | 1.6% | ||
| Q1 24 | 0.0% | 0.9% |
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | -2.50× | ||
| Q2 25 | 2.60× | 2.96× | ||
| Q1 25 | 2.03× | 19.70× | ||
| Q4 24 | — | 3.75× | ||
| Q3 24 | 3.29× | 9.01× | ||
| Q2 24 | 2.14× | -0.38× | ||
| Q1 24 | 1.26× | -0.30× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PLMR
Segment breakdown not available.
ZEUS
| Carbon Flat Products | $268.2M | 55% |
| Specialty Metals Flat Products | $140.9M | 29% |
| Tubular And Pipe Products | $81.6M | 17% |
