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Palomar Holdings, Inc.（PLMR）与GIBRALTAR INDUSTRIES, INC.（ROCK）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GIBRALTAR INDUSTRIES, INC.的1.1倍（$253.4M vs $225.0M），Palomar Holdings, Inc.同比增速更快（62.7% vs 24.9%），Palomar Holdings, Inc.自由现金流更多（$409.0M vs $26.2M），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
PLMR vs ROCK — 直观对比
营收规模更大
PLMR
是对方的1.1倍
$225.0M
营收增速更快
PLMR
高出37.7%
24.9%
自由现金流更多
PLMR
多$382.8M
$26.2M
两年增速更快
PLMR
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $253.4M | $225.0M |
| 净利润 | — | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | 28.7% | 7.9% |
| 净利率 | — | — |
| 营收同比 | 62.7% | 24.9% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $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PLMRROCK
| Q4 25 | $253.4M | $225.0M | ||
| Q3 25 | $244.7M | $310.9M | ||
| Q2 25 | $203.3M | $309.5M | ||
| Q1 25 | $174.6M | $290.0M | ||
| Q4 24 | $155.8M | $180.1M | ||
| Q3 24 | $148.5M | $277.1M | ||
| Q2 24 | $131.1M | $273.6M | ||
| Q1 24 | $118.5M | $292.5M |
净利润PLMRROCK
| Q4 25 | — | — | ||
| Q3 25 | $51.5M | $-89.1M | ||
| Q2 25 | $46.5M | $26.0M | ||
| Q1 25 | $42.9M | $21.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.5M | $34.0M | ||
| Q2 24 | $25.7M | $32.2M | ||
| Q1 24 | $26.4M | $24.9M |
毛利率PLMRROCK
| Q4 25 | — | 25.3% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 28.4% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 29.4% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 28.9% |
营业利润率PLMRROCK
| Q4 25 | 28.7% | 7.9% | ||
| Q3 25 | 27.4% | 12.8% | ||
| Q2 25 | 29.5% | 12.8% | ||
| Q1 25 | 30.8% | 8.8% | ||
| Q4 24 | 28.9% | 13.3% | ||
| Q3 24 | 25.9% | 15.6% | ||
| Q2 24 | 25.5% | 14.9% | ||
| Q1 24 | 29.0% | 10.8% |
净利率PLMRROCK
| Q4 25 | — | — | ||
| Q3 25 | 21.0% | -28.6% | ||
| Q2 25 | 22.9% | 8.4% | ||
| Q1 25 | 24.6% | 7.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 20.5% | 12.3% | ||
| Q2 24 | 19.6% | 11.8% | ||
| Q1 24 | 22.3% | 8.5% |
每股收益（稀释后）PLMRROCK
| Q4 25 | $2.05 | — | ||
| Q3 25 | $1.87 | $-2.98 | ||
| Q2 25 | $1.68 | $0.87 | ||
| Q1 25 | $1.57 | — | ||
| Q4 24 | $1.29 | — | ||
| Q3 24 | $1.15 | $1.11 | ||
| Q2 24 | $1.00 | $1.05 | ||
| Q1 24 | $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 | $106.9M | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $942.7M | $950.4M |
| 总资产 | $3.1B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资PLMRROCK
| Q4 25 | $106.9M | $115.7M | ||
| Q3 25 | $111.7M | $89.4M | ||
| Q2 25 | $81.3M | $43.3M | ||
| Q1 25 | $119.3M | $25.1M | ||
| Q4 24 | $80.4M | $269.5M | ||
| Q3 24 | $86.5M | $228.9M | ||
| Q2 24 | $47.8M | $179.1M | ||
| Q1 24 | $61.4M | $146.7M |
总债务PLMRROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益PLMRROCK
| Q4 25 | $942.7M | $950.4M | ||
| Q3 25 | $878.1M | $951.8M | ||
| Q2 25 | $847.2M | $1.0B | ||
| Q1 25 | $790.4M | $1.0B | ||
| Q4 24 | $729.0M | $1.0B | ||
| Q3 24 | $703.3M | $1.0B | ||
| Q2 24 | $532.6M | $975.7M | ||
| Q1 24 | $501.7M | $940.2M |
总资产PLMRROCK
| Q4 25 | $3.1B | $1.4B | ||
| Q3 25 | $2.9B | $1.4B | ||
| Q2 25 | $2.8B | $1.5B | ||
| Q1 25 | $2.4B | $1.4B | ||
| Q4 24 | $2.3B | $1.4B | ||
| Q3 24 | $2.3B | $1.4B | ||
| Q2 24 | $2.0B | $1.4B | ||
| Q1 24 | $1.9B | $1.3B |
负债/权益比PLMRROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $409.0M | $26.2M |
| 自由现金流率自由现金流/营收 | 161.4% | 11.7% |
| 资本支出强度资本支出/营收 | 0.1% | 4.1% |
| 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 | $120.6M |
8季度趋势，按日历期对齐
经营现金流PLMRROCK
| Q4 25 | $409.1M | $35.5M | ||
| Q3 25 | $83.6M | $73.0M | ||
| Q2 25 | $120.9M | $44.9M | ||
| Q1 25 | $87.2M | $13.7M | ||
| Q4 24 | $261.2M | $19.9M | ||
| Q3 24 | $100.3M | $64.7M | ||
| Q2 24 | $55.1M | $36.5M | ||
| Q1 24 | $33.1M | $53.2M |
自由现金流PLMRROCK
| Q4 25 | $409.0M | $26.2M | ||
| Q3 25 | $83.6M | $64.8M | ||
| Q2 25 | $120.8M | $27.3M | ||
| Q1 25 | $87.1M | $2.3M | ||
| Q4 24 | $260.9M | $14.1M | ||
| Q3 24 | $100.1M | $60.5M | ||
| Q2 24 | — | $33.5M | ||
| Q1 24 | — | $48.8M |
自由现金流率PLMRROCK
| Q4 25 | 161.4% | 11.7% | ||
| Q3 25 | 34.2% | 20.8% | ||
| Q2 25 | 59.4% | 8.8% | ||
| Q1 25 | 49.9% | 0.8% | ||
| Q4 24 | 167.5% | 7.8% | ||
| Q3 24 | 67.4% | 21.8% | ||
| Q2 24 | — | 12.2% | ||
| Q1 24 | — | 16.7% |
资本支出强度PLMRROCK
| Q4 25 | 0.1% | 4.1% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.0% | 5.7% | ||
| Q1 25 | 0.0% | 3.9% | ||
| Q4 24 | 0.2% | 3.3% | ||
| Q3 24 | 0.1% | 1.5% | ||
| Q2 24 | 0.0% | 1.1% | ||
| Q1 24 | 0.0% | 1.5% |
现金转化率PLMRROCK
| Q4 25 | — | — | ||
| Q3 25 | 1.63× | — | ||
| Q2 25 | 2.60× | 1.73× | ||
| Q1 25 | 2.03× | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.29× | 1.90× | ||
| Q2 24 | 2.14× | 1.13× | ||
| Q1 24 | 1.26× | 2.13× |
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
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
