PALOMAR HOLDINGS INC (PLMR) Stock Fundamental Analysis

NASDAQ:PLMR • US69753M1053

123.71 USD
+1.86 (+1.53%)
At close: Feb 27, 2026
123.71 USD
0 (0%)
After Hours: 2/27/2026, 4:30:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall PLMR gets a fundamental rating of 6 out of 10. We evaluated PLMR against 150 industry peers in the Insurance industry. PLMR scores excellent on profitability, but there are some minor concerns on its financial health. PLMR is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year PLMR was profitable.
  • PLMR had a positive operating cash flow in the past year.
  • In the past 5 years PLMR has always been profitable.
  • PLMR had a positive operating cash flow in 4 of the past 5 years.
PLMR Yearly Net Income VS EBIT VS OCF VS FCFPLMR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • With an excellent Return On Assets value of 5.97%, PLMR belongs to the best of the industry, outperforming 87.33% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 20.03%, PLMR belongs to the top of the industry, outperforming 86.00% of the companies in the same industry.
  • PLMR has a better Return On Invested Capital (5.97%) than 84.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PLMR is significantly below the industry average of 15.13%.
  • The last Return On Invested Capital (5.97%) for PLMR is above the 3 year average (5.65%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.97%
ROE 20.03%
ROIC 5.97%
ROA(3y)5.43%
ROA(5y)5.05%
ROE(3y)17.95%
ROE(5y)15.8%
ROIC(3y)5.65%
ROIC(5y)5.2%
PLMR Yearly ROA, ROE, ROICPLMR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With an excellent Profit Margin value of 22.94%, PLMR belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PLMR has grown nicely.
  • PLMR has a Operating Margin of 28.38%. This is amongst the best in the industry. PLMR outperforms 89.33% of its industry peers.
  • PLMR's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 28.38%
PM (TTM) 22.94%
GM N/A
OM growth 3Y11.48%
OM growth 5Y51.09%
PM growth 3Y12.13%
PM growth 5Y43.18%
GM growth 3YN/A
GM growth 5YN/A
PLMR Yearly Profit, Operating, Gross MarginsPLMR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PLMR is destroying value.
  • PLMR has about the same amout of shares outstanding than it did 1 year ago.
  • PLMR has more shares outstanding than it did 5 years ago.
  • There is no outstanding debt for PLMR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PLMR Yearly Shares OutstandingPLMR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
PLMR Yearly Total Debt VS Total AssetsPLMR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • There is no outstanding debt for PLMR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.69
WACC8.62%
PLMR Yearly LT Debt VS Equity VS FCFPLMR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PLMR Yearly Current Assets VS Current LiabilitesPLMR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 54.81% over the past year.
  • Measured over the past years, PLMR shows a very strong growth in Earnings Per Share. The EPS has been growing by 84.36% on average per year.
  • PLMR shows a strong growth in Revenue. In the last year, the Revenue has grown by 56.04%.
  • PLMR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 39.05% yearly.
EPS 1Y (TTM)54.81%
EPS 3Y46.23%
EPS 5Y84.36%
EPS Q2Q%47.37%
Revenue 1Y (TTM)56.04%
Revenue growth 3Y38.87%
Revenue growth 5Y39.05%
Sales Q2Q%31.82%

3.2 Future

  • Based on estimates for the next years, PLMR will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.83% on average per year.
  • PLMR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.86% yearly.
EPS Next Y11.83%
EPS Next 2Y12.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.29%
Revenue Next 2Y23.86%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
PLMR Yearly Revenue VS EstimatesPLMR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
PLMR Yearly EPS VS EstimatesPLMR Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.70, the valuation of PLMR can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of PLMR indicates a slightly more expensive valuation: PLMR is more expensive than 62.67% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of PLMR to the average of the S&P500 Index (27.11), we can say PLMR is valued slightly cheaper.
  • PLMR is valuated correctly with a Price/Forward Earnings ratio of 14.04.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PLMR.
  • PLMR is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.7
Fwd PE 14.04
PLMR Price Earnings VS Forward Price EarningsPLMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as PLMR.
Industry RankSector Rank
P/FCF 11.06
EV/EBITDA N/A
PLMR Per share dataPLMR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of PLMR may justify a higher PE ratio.
  • PLMR's earnings are expected to grow with 12.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.33
PEG (5Y)0.19
EPS Next 2Y12.83%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • PLMR does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PALOMAR HOLDINGS INC

NASDAQ:PLMR (2/27/2026, 4:30:01 PM)

After market: 123.71 0 (0%)

123.71

+1.86 (+1.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners95.19%
Inst Owner Change-0.86%
Ins Owners2.48%
Ins Owner Change11.79%
Market Cap3.28B
Revenue(TTM)864.27M
Net Income(TTM)175.87M
Analysts83.08
Price Target168.05 (35.84%)
Short Float %1.65%
Short Ratio1.72
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.46%
Min EPS beat(2)3.51%
Max EPS beat(2)21.42%
EPS beat(4)4
Avg EPS beat(4)15.33%
Min EPS beat(4)3.51%
Max EPS beat(4)21.42%
EPS beat(8)8
Avg EPS beat(8)15.08%
EPS beat(12)12
Avg EPS beat(12)13.21%
EPS beat(16)15
Avg EPS beat(16)8.46%
Revenue beat(2)2
Avg Revenue beat(2)8.37%
Min Revenue beat(2)5.98%
Max Revenue beat(2)10.76%
Revenue beat(4)2
Avg Revenue beat(4)3.09%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)10.76%
Revenue beat(8)4
Avg Revenue beat(8)3.32%
Revenue beat(12)5
Avg Revenue beat(12)-3.87%
Revenue beat(16)5
Avg Revenue beat(16)-16.91%
PT rev (1m)0%
PT rev (3m)7.45%
EPS NQ rev (1m)0.14%
EPS NQ rev (3m)5.39%
EPS NY rev (1m)0%
EPS NY rev (3m)3.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.32%
Revenue NY rev (1m)2.51%
Revenue NY rev (3m)7.61%
Valuation
Industry RankSector Rank
PE 15.7
Fwd PE 14.04
P/S 4.28
P/FCF 11.06
P/OCF 9
P/B 3.73
P/tB 4.02
EV/EBITDA N/A
EPS(TTM)7.88
EY6.37%
EPS(NY)8.81
Fwd EY7.12%
FCF(TTM)11.18
FCFY9.04%
OCF(TTM)13.75
OCFY11.11%
SpS28.93
BVpS33.14
TBVpS30.78
PEG (NY)1.33
PEG (5Y)0.19
Graham Number76.65
Profitability
Industry RankSector Rank
ROA 5.97%
ROE 20.03%
ROCE 7.68%
ROIC 5.97%
ROICexc 6.22%
ROICexgc 9.98%
OM 28.38%
PM (TTM) 22.94%
GM N/A
FCFM 38.66%
ROA(3y)5.43%
ROA(5y)5.05%
ROE(3y)17.95%
ROE(5y)15.8%
ROIC(3y)5.65%
ROIC(5y)5.2%
ROICexc(3y)5.85%
ROICexc(5y)5.43%
ROICexgc(3y)9.31%
ROICexgc(5y)8.49%
ROCE(3y)7.26%
ROCE(5y)6.69%
ROICexgc growth 3Y15.73%
ROICexgc growth 5Y61.4%
ROICexc growth 3Y16.73%
ROICexc growth 5Y57.74%
OM growth 3Y11.48%
OM growth 5Y51.09%
PM growth 3Y12.13%
PM growth 5Y43.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 8.86%
Interest Coverage 706.47
Cash Conversion N/A
Profit Quality 168.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.62%
ROIC/WACC0.69
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)54.81%
EPS 3Y46.23%
EPS 5Y84.36%
EPS Q2Q%47.37%
EPS Next Y11.83%
EPS Next 2Y12.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)56.04%
Revenue growth 3Y38.87%
Revenue growth 5Y39.05%
Sales Q2Q%31.82%
Revenue Next Year23.29%
Revenue Next 2Y23.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y61.99%
EBIT growth 3Y54.81%
EBIT growth 5Y110.09%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y44.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y72.82%
OCF growth 3YN/A
OCF growth 5YN/A

PALOMAR HOLDINGS INC / PLMR FAQ

Can you provide the ChartMill fundamental rating for PALOMAR HOLDINGS INC?

ChartMill assigns a fundamental rating of 6 / 10 to PLMR.


What is the valuation status of PALOMAR HOLDINGS INC (PLMR) stock?

ChartMill assigns a valuation rating of 4 / 10 to PALOMAR HOLDINGS INC (PLMR). This can be considered as Fairly Valued.


Can you provide the profitability details for PALOMAR HOLDINGS INC?

PALOMAR HOLDINGS INC (PLMR) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for PLMR stock?

The Price/Earnings (PE) ratio for PALOMAR HOLDINGS INC (PLMR) is 15.7 and the Price/Book (PB) ratio is 3.73.


Can you provide the expected EPS growth for PLMR stock?

The Earnings per Share (EPS) of PALOMAR HOLDINGS INC (PLMR) is expected to grow by 11.83% in the next year.