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Palomar Holdings, Inc.（PLMR）与Ribbon Communications Inc.（RBBN）财务数据对比。点击上方公司名可切换其他公司
Palomar Holdings, Inc.的季度营收约是Ribbon Communications Inc.的1.6倍（$253.4M vs $162.6M），Palomar Holdings, Inc.同比增速更快（62.7% vs -10.3%），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
PLMR vs RBBN — 直观对比
营收规模更大
PLMR
是对方的1.6倍
$162.6M
营收增速更快
PLMR
高出73.0%
-10.3%
两年增速更快
PLMR
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $253.4M | $162.6M |
| 净利润 | — | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | 28.7% | 37.6% |
| 净利率 | — | 54.8% |
| 营收同比 | 62.7% | -10.3% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $2.05 | $0.50 |
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PLMRRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $253.4M | $227.3M | ||
| Q3 25 | $244.7M | $215.4M | ||
| Q2 25 | $203.3M | $220.6M | ||
| Q1 25 | $174.6M | $181.3M | ||
| Q4 24 | $155.8M | $251.4M | ||
| Q3 24 | $148.5M | $210.2M | ||
| Q2 24 | $131.1M | $192.6M |
净利润PLMRRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | — | — | ||
| Q3 25 | $51.5M | $-12.1M | ||
| Q2 25 | $46.5M | $-11.1M | ||
| Q1 25 | $42.9M | $-26.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.5M | $-13.4M | ||
| Q2 24 | $25.7M | $-16.8M |
毛利率PLMRRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率PLMRRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 28.7% | 4.1% | ||
| Q3 25 | 27.4% | 1.3% | ||
| Q2 25 | 29.5% | 1.9% | ||
| Q1 25 | 30.8% | -10.8% | ||
| Q4 24 | 28.9% | 13.2% | ||
| Q3 24 | 25.9% | -0.4% | ||
| Q2 24 | 25.5% | -1.0% |
净利率PLMRRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | -5.6% | ||
| Q2 25 | 22.9% | -5.0% | ||
| Q1 25 | 24.6% | -14.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 20.5% | -6.4% | ||
| Q2 24 | 19.6% | -8.7% |
每股收益（稀释后）PLMRRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $2.05 | $0.50 | ||
| Q3 25 | $1.87 | $-0.07 | ||
| Q2 25 | $1.68 | $-0.06 | ||
| Q1 25 | $1.57 | $-0.15 | ||
| Q4 24 | $1.29 | $0.05 | ||
| Q3 24 | $1.15 | $-0.08 | ||
| Q2 24 | $1.00 | $-0.10 |
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 | $106.9M | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $942.7M | $419.1M |
| 总资产 | $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PLMRRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $106.9M | $96.4M | ||
| Q3 25 | $111.7M | $74.8M | ||
| Q2 25 | $81.3M | $60.5M | ||
| Q1 25 | $119.3M | $71.2M | ||
| Q4 24 | $80.4M | $87.8M | ||
| Q3 24 | $86.5M | $37.2M | ||
| Q2 24 | $47.8M | $64.6M |
总债务PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益PLMRRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $942.7M | $449.0M | ||
| Q3 25 | $878.1M | $360.1M | ||
| Q2 25 | $847.2M | $370.4M | ||
| Q1 25 | $790.4M | $381.8M | ||
| Q4 24 | $729.0M | $404.6M | ||
| Q3 24 | $703.3M | $395.5M | ||
| Q2 24 | $532.6M | $405.0M |
总资产PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $1.2B | ||
| Q3 25 | $2.9B | $1.1B | ||
| Q2 25 | $2.8B | $1.1B | ||
| Q1 25 | $2.4B | $1.1B | ||
| Q4 24 | $2.3B | $1.2B | ||
| Q3 24 | $2.3B | $1.1B | ||
| Q2 24 | $2.0B | $1.1B |
负债/权益比PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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 | $409.1M | — |
| 自由现金流经营现金流 - 资本支出 | $409.0M | — |
| 自由现金流率自由现金流/营收 | 161.4% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $700.6M | — |
8季度趋势，按日历期对齐
经营现金流PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | $409.1M | $29.2M | ||
| Q3 25 | $83.6M | $26.5M | ||
| Q2 25 | $120.9M | $-795.0K | ||
| Q1 25 | $87.2M | $-3.5M | ||
| Q4 24 | $261.2M | $61.8M | ||
| Q3 24 | $100.3M | $-14.8M | ||
| Q2 24 | $55.1M | $-9.8M |
自由现金流PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | $409.0M | $27.3M | ||
| Q3 25 | $83.6M | $21.0M | ||
| Q2 25 | $120.8M | $-6.5M | ||
| Q1 25 | $87.1M | $-15.7M | ||
| Q4 24 | $260.9M | $53.8M | ||
| Q3 24 | $100.1M | $-23.7M | ||
| Q2 24 | — | $-12.9M |
自由现金流率PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | 161.4% | 12.0% | ||
| Q3 25 | 34.2% | 9.7% | ||
| Q2 25 | 59.4% | -2.9% | ||
| Q1 25 | 49.9% | -8.7% | ||
| Q4 24 | 167.5% | 21.4% | ||
| Q3 24 | 67.4% | -11.3% | ||
| Q2 24 | — | -6.7% |
资本支出强度PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 0.9% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.0% | 2.6% | ||
| Q1 25 | 0.0% | 6.7% | ||
| Q4 24 | 0.2% | 3.2% | ||
| Q3 24 | 0.1% | 4.2% | ||
| Q2 24 | 0.0% | 1.6% |
现金转化率PLMRRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | — | ||
| Q1 25 | 2.03× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.29× | — | ||
| Q2 24 | 2.14× | — |
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
PLMR
暂无分部数据
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
