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Natural Grocers by Vitamin Cottage, Inc.（NGVC）与Palomar Holdings, Inc.（PLMR）财务数据对比。点击上方公司名可切换其他公司
Natural Grocers by Vitamin Cottage, Inc.的季度营收约是Palomar Holdings, Inc.的1.3倍（$335.6M vs $253.4M），Palomar Holdings, Inc.同比增速更快（62.7% vs 1.6%），Palomar Holdings, Inc.自由现金流更多（$409.0M vs $11.6M），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% vs 4.4%）
Natural Grocers by Vitamin Cottage, Inc.是美国本土的特色零售连锁企业，主营认证有机食品、膳食补充剂、天然个护及环保家居类产品，面向健康意识较强的消费群体，门店覆盖美国多州，执行严格品控标准，拒绝售卖含人工添加剂的商品。
Palomar Holdings, Inc.是一家专业保险控股企业，主要为存在巨灾风险敞口的住宅及商业资产提供财产保险产品，业务范围覆盖美国全境，核心业务板块包含地震、洪水、风暴等高危财产保障服务。
NGVC vs PLMR — 直观对比
营收规模更大
NGVC
是对方的1.3倍
$253.4M
营收增速更快
PLMR
高出61.0%
1.6%
自由现金流更多
PLMR
多$397.4M
$11.6M
两年增速更快
PLMR
近两年复合增速
4.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $335.6M | $253.4M |
| 净利润 | $11.3M | — |
| 毛利率 | 29.5% | — |
| 营业利润率 | 4.4% | 28.7% |
| 净利率 | 3.4% | — |
| 营收同比 | 1.6% | 62.7% |
| 净利润同比 | 14.0% | — |
| 每股收益（稀释后） | $0.49 | $2.05 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收NGVCPLMR
| Q4 25 | $335.6M | $253.4M | ||
| Q3 25 | $336.1M | $244.7M | ||
| Q2 25 | $328.7M | $203.3M | ||
| Q1 25 | $335.8M | $174.6M | ||
| Q4 24 | $330.2M | $155.8M | ||
| Q3 24 | $322.7M | $148.5M | ||
| Q2 24 | $309.1M | $131.1M | ||
| Q1 24 | $308.1M | $118.5M |
净利润NGVCPLMR
| Q4 25 | $11.3M | — | ||
| Q3 25 | $11.8M | $51.5M | ||
| Q2 25 | $11.6M | $46.5M | ||
| Q1 25 | $13.1M | $42.9M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $9.0M | $30.5M | ||
| Q2 24 | $9.2M | $25.7M | ||
| Q1 24 | $8.0M | $26.4M |
毛利率NGVCPLMR
| Q4 25 | 29.5% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 29.9% | — | ||
| Q1 25 | 30.3% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 29.2% | — | ||
| Q1 24 | 29.3% | — |
营业利润率NGVCPLMR
| Q4 25 | 4.4% | 28.7% | ||
| Q3 25 | 4.6% | 27.4% | ||
| Q2 25 | 4.7% | 29.5% | ||
| Q1 25 | 5.2% | 30.8% | ||
| Q4 24 | 4.0% | 28.9% | ||
| Q3 24 | 3.7% | 25.9% | ||
| Q2 24 | 4.2% | 25.5% | ||
| Q1 24 | 3.7% | 29.0% |
净利率NGVCPLMR
| Q4 25 | 3.4% | — | ||
| Q3 25 | 3.5% | 21.0% | ||
| Q2 25 | 3.5% | 22.9% | ||
| Q1 25 | 3.9% | 24.6% | ||
| Q4 24 | 3.0% | — | ||
| Q3 24 | 2.8% | 20.5% | ||
| Q2 24 | 3.0% | 19.6% | ||
| Q1 24 | 2.6% | 22.3% |
每股收益（稀释后）NGVCPLMR
| Q4 25 | $0.49 | $2.05 | ||
| Q3 25 | $0.51 | $1.87 | ||
| Q2 25 | $0.50 | $1.68 | ||
| Q1 25 | $0.56 | $1.57 | ||
| Q4 24 | $0.43 | $1.29 | ||
| Q3 24 | $0.38 | $1.15 | ||
| Q2 24 | $0.40 | $1.00 | ||
| Q1 24 | $0.35 | $1.04 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $23.2M | $106.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $220.0M | $942.7M |
| 总资产 | $668.6M | $3.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资NGVCPLMR
| Q4 25 | $23.2M | $106.9M | ||
| Q3 25 | $17.1M | $111.7M | ||
| Q2 25 | $13.2M | $81.3M | ||
| Q1 25 | $21.2M | $119.3M | ||
| Q4 24 | $6.3M | $80.4M | ||
| Q3 24 | $8.9M | $86.5M | ||
| Q2 24 | $13.9M | $47.8M | ||
| Q1 24 | $11.0M | $61.4M |
股东权益NGVCPLMR
| Q4 25 | $220.0M | $942.7M | ||
| Q3 25 | $212.4M | $878.1M | ||
| Q2 25 | $202.5M | $847.2M | ||
| Q1 25 | $193.0M | $790.4M | ||
| Q4 24 | $181.9M | $729.0M | ||
| Q3 24 | $174.3M | $703.3M | ||
| Q2 24 | $167.8M | $532.6M | ||
| Q1 24 | $160.0M | $501.7M |
总资产NGVCPLMR
| Q4 25 | $668.6M | $3.1B | ||
| Q3 25 | $670.5M | $2.9B | ||
| Q2 25 | $659.0M | $2.8B | ||
| Q1 25 | $664.6M | $2.4B | ||
| Q4 24 | $648.9M | $2.3B | ||
| Q3 24 | $655.5M | $2.3B | ||
| Q2 24 | $654.4M | $2.0B | ||
| Q1 24 | $656.6M | $1.9B |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $21.1M | $409.1M |
| 自由现金流经营现金流 - 资本支出 | $11.6M | $409.0M |
| 自由现金流率自由现金流/营收 | 3.4% | 161.4% |
| 资本支出强度资本支出/营收 | 2.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.86× | — |
| 过去12个月自由现金流最近4个季度 | $42.6M | $700.6M |
8季度趋势，按日历期对齐
经营现金流NGVCPLMR
| Q4 25 | $21.1M | $409.1M | ||
| Q3 25 | $15.6M | $83.6M | ||
| Q2 25 | $2.9M | $120.9M | ||
| Q1 25 | $34.1M | $87.2M | ||
| Q4 24 | $2.7M | $261.2M | ||
| Q3 24 | $24.5M | $100.3M | ||
| Q2 24 | $12.4M | $55.1M | ||
| Q1 24 | $20.2M | $33.1M |
自由现金流NGVCPLMR
| Q4 25 | $11.6M | $409.0M | ||
| Q3 25 | $7.5M | $83.6M | ||
| Q2 25 | $-4.2M | $120.8M | ||
| Q1 25 | $27.6M | $87.1M | ||
| Q4 24 | $-6.9M | $260.9M | ||
| Q3 24 | $18.0M | $100.1M | ||
| Q2 24 | $3.6M | — | ||
| Q1 24 | $9.8M | — |
自由现金流率NGVCPLMR
| Q4 25 | 3.4% | 161.4% | ||
| Q3 25 | 2.2% | 34.2% | ||
| Q2 25 | -1.3% | 59.4% | ||
| Q1 25 | 8.2% | 49.9% | ||
| Q4 24 | -2.1% | 167.5% | ||
| Q3 24 | 5.6% | 67.4% | ||
| Q2 24 | 1.2% | — | ||
| Q1 24 | 3.2% | — |
资本支出强度NGVCPLMR
| Q4 25 | 2.9% | 0.1% | ||
| Q3 25 | 2.4% | 0.0% | ||
| Q2 25 | 2.2% | 0.0% | ||
| Q1 25 | 1.9% | 0.0% | ||
| Q4 24 | 2.9% | 0.2% | ||
| Q3 24 | 2.0% | 0.1% | ||
| Q2 24 | 2.9% | 0.0% | ||
| Q1 24 | 3.4% | 0.0% |
现金转化率NGVCPLMR
| Q4 25 | 1.86× | — | ||
| Q3 25 | 1.32× | 1.63× | ||
| Q2 25 | 0.25× | 2.60× | ||
| Q1 25 | 2.60× | 2.03× | ||
| Q4 24 | 0.27× | — | ||
| Q3 24 | 2.72× | 3.29× | ||
| Q2 24 | 1.35× | 2.14× | ||
| Q1 24 | 2.54× | 1.26× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
PLMR
暂无分部数据
