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Palomar Holdings, Inc.（PLMR）与RLI CORP（RLI）财务数据对比。点击上方公司名可切换其他公司
RLI CORP的季度营收约是Palomar Holdings, Inc.的1.8倍（$465.7M vs $253.4M），Palomar Holdings, Inc.同比增速更快（62.7% vs 6.1%），Palomar Holdings, Inc.自由现金流更多（$409.0M vs $155.0M），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% vs 2.3%）
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。
RLI Corp是一家总部位于美国伊利诺伊州皮奥里亚的专业保险公司，主营财产保险与意外伤害保险业务，深耕保险领域多年，凭借成熟的风险管控体系与定制化产品矩阵，为不同类型的客户提供全面可靠的风险保障服务。
PLMR vs RLI — 直观对比
营收规模更大
RLI
是对方的1.8倍
$253.4M
营收增速更快
PLMR
高出56.6%
6.1%
自由现金流更多
PLMR
多$254.0M
$155.0M
两年增速更快
PLMR
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $253.4M | $465.7M |
| 净利润 | — | $91.2M |
| 毛利率 | — | — |
| 营业利润率 | 28.7% | 24.4% |
| 净利率 | — | 19.6% |
| 营收同比 | 62.7% | 6.1% |
| 净利润同比 | — | 123.1% |
| 每股收益（稀释后） | $2.05 | $1.00 |
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PLMRRLI
| Q4 25 | $253.4M | $465.7M | ||
| Q3 25 | $244.7M | $509.3M | ||
| Q2 25 | $203.3M | $499.8M | ||
| Q1 25 | $174.6M | $407.7M | ||
| Q4 24 | $155.8M | $439.1M | ||
| Q3 24 | $148.5M | $470.0M | ||
| Q2 24 | $131.1M | $416.4M | ||
| Q1 24 | $118.5M | $444.8M |
净利润PLMRRLI
| Q4 25 | — | $91.2M | ||
| Q3 25 | $51.5M | $124.6M | ||
| Q2 25 | $46.5M | $124.3M | ||
| Q1 25 | $42.9M | $63.2M | ||
| Q4 24 | — | $40.9M | ||
| Q3 24 | $30.5M | $95.0M | ||
| Q2 24 | $25.7M | $82.0M | ||
| Q1 24 | $26.4M | $127.9M |
营业利润率PLMRRLI
| Q4 25 | 28.7% | 24.4% | ||
| Q3 25 | 27.4% | 30.9% | ||
| Q2 25 | 29.5% | 31.3% | ||
| Q1 25 | 30.8% | 19.3% | ||
| Q4 24 | 28.9% | 10.8% | ||
| Q3 24 | 25.9% | 24.9% | ||
| Q2 24 | 25.5% | 24.8% | ||
| Q1 24 | 29.0% | 36.0% |
净利率PLMRRLI
| Q4 25 | — | 19.6% | ||
| Q3 25 | 21.0% | 24.5% | ||
| Q2 25 | 22.9% | 24.9% | ||
| Q1 25 | 24.6% | 15.5% | ||
| Q4 24 | — | 9.3% | ||
| Q3 24 | 20.5% | 20.2% | ||
| Q2 24 | 19.6% | 19.7% | ||
| Q1 24 | 22.3% | 28.8% |
每股收益（稀释后）PLMRRLI
| Q4 25 | $2.05 | $1.00 | ||
| Q3 25 | $1.87 | $1.35 | ||
| Q2 25 | $1.68 | $1.34 | ||
| Q1 25 | $1.57 | $0.68 | ||
| Q4 24 | $1.29 | $-2.87 | ||
| Q3 24 | $1.15 | $2.06 | ||
| Q2 24 | $1.00 | $1.78 | ||
| Q1 24 | $1.04 | $2.77 |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $942.7M | $1.8B |
| 总资产 | $3.1B | $6.2B |
| 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PLMRRLI
| Q4 25 | $106.9M | — | ||
| Q3 25 | $111.7M | — | ||
| Q2 25 | $81.3M | — | ||
| Q1 25 | $119.3M | — | ||
| Q4 24 | $80.4M | — | ||
| Q3 24 | $86.5M | — | ||
| Q2 24 | $47.8M | — | ||
| Q1 24 | $61.4M | — |
总债务PLMRRLI
| Q4 25 | — | — | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $100.0M | ||
| Q1 25 | — | $100.0M | ||
| Q4 24 | — | $100.0M | ||
| Q3 24 | — | $100.0M | ||
| Q2 24 | — | $100.0M | ||
| Q1 24 | — | $100.0M |
股东权益PLMRRLI
| Q4 25 | $942.7M | $1.8B | ||
| Q3 25 | $878.1M | $1.9B | ||
| Q2 25 | $847.2M | $1.7B | ||
| Q1 25 | $790.4M | $1.6B | ||
| Q4 24 | $729.0M | $1.5B | ||
| Q3 24 | $703.3M | $1.7B | ||
| Q2 24 | $532.6M | $1.6B | ||
| Q1 24 | $501.7M | $1.5B |
总资产PLMRRLI
| Q4 25 | $3.1B | $6.2B | ||
| Q3 25 | $2.9B | $6.2B | ||
| Q2 25 | $2.8B | $6.0B | ||
| Q1 25 | $2.4B | $5.7B | ||
| Q4 24 | $2.3B | $5.6B | ||
| Q3 24 | $2.3B | $5.8B | ||
| Q2 24 | $2.0B | $5.5B | ||
| Q1 24 | $1.9B | $5.3B |
负债/权益比PLMRRLI
| Q4 25 | — | — | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | — | 0.06× | ||
| Q4 24 | — | 0.07× | ||
| Q3 24 | — | 0.06× | ||
| Q2 24 | — | 0.06× | ||
| Q1 24 | — | 0.07× |
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 | $156.8M |
| 自由现金流经营现金流 - 资本支出 | $409.0M | $155.0M |
| 自由现金流率自由现金流/营收 | 161.4% | 33.3% |
| 资本支出强度资本支出/营收 | 0.1% | 0.4% |
| 现金转化率经营现金流/净利润 | — | 1.72× |
| 过去12个月自由现金流最近4个季度 | $700.6M | $608.7M |
8季度趋势，按日历期对齐
经营现金流PLMRRLI
| Q4 25 | $409.1M | $156.8M | ||
| Q3 25 | $83.6M | $179.2M | ||
| Q2 25 | $120.9M | $174.7M | ||
| Q1 25 | $87.2M | $103.5M | ||
| Q4 24 | $261.2M | $128.1M | ||
| Q3 24 | $100.3M | $219.4M | ||
| Q2 24 | $55.1M | $141.8M | ||
| Q1 24 | $33.1M | $70.9M |
自由现金流PLMRRLI
| Q4 25 | $409.0M | $155.0M | ||
| Q3 25 | $83.6M | $177.8M | ||
| Q2 25 | $120.8M | $173.4M | ||
| Q1 25 | $87.1M | $102.5M | ||
| Q4 24 | $260.9M | $127.6M | ||
| Q3 24 | $100.1M | $219.0M | ||
| Q2 24 | — | $139.1M | ||
| Q1 24 | — | $69.9M |
自由现金流率PLMRRLI
| Q4 25 | 161.4% | 33.3% | ||
| Q3 25 | 34.2% | 34.9% | ||
| Q2 25 | 59.4% | 34.7% | ||
| Q1 25 | 49.9% | 25.1% | ||
| Q4 24 | 167.5% | 29.0% | ||
| Q3 24 | 67.4% | 46.6% | ||
| Q2 24 | — | 33.4% | ||
| Q1 24 | — | 15.7% |
资本支出强度PLMRRLI
| Q4 25 | 0.1% | 0.4% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.0% | 0.3% | ||
| Q1 25 | 0.0% | 0.3% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.0% | 0.7% | ||
| Q1 24 | 0.0% | 0.2% |
现金转化率PLMRRLI
| Q4 25 | — | 1.72× | ||
| Q3 25 | 1.63× | 1.44× | ||
| Q2 25 | 2.60× | 1.41× | ||
| Q1 25 | 2.03× | 1.64× | ||
| Q4 24 | — | 3.13× | ||
| Q3 24 | 3.29× | 2.31× | ||
| Q2 24 | 2.14× | 1.73× | ||
| Q1 24 | 1.26× | 0.55× |
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
RLI
| Casualty Segment | $246.8M | 53% |
| Property Insurance Segment | $122.5M | 26% |
| Other | $59.3M | 13% |
| Surety Insurance Segment | $37.1M | 8% |
