PALOMAR HOLDINGS INC (PLMR) Fundamental Analysis & Valuation

NASDAQ:PLMR • US69753M1053

Current stock price

116.9 USD
+0.75 (+0.65%)
At close:
116.9 USD
0 (0%)
After Hours:

This PLMR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. PLMR Profitability Analysis

1.1 Basic Checks

  • PLMR had positive earnings in the past year.
  • In the past year PLMR had a positive cash flow from operations.
  • In the past 5 years PLMR has always been profitable.
  • Of the past 5 years PLMR 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of 5.97%, PLMR belongs to the top of the industry, outperforming 85.14% of the companies in the same industry.
  • PLMR has a Return On Equity of 20.03%. This is amongst the best in the industry. PLMR outperforms 84.46% of its industry peers.
  • PLMR has a better Return On Invested Capital (5.97%) than 82.43% of its industry peers.
  • PLMR had an Average Return On Invested Capital over the past 3 years of 5.65%. This is significantly below the industry average of 15.41%.
  • 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

  • PLMR has a Profit Margin of 22.94%. This is amongst the best in the industry. PLMR outperforms 93.24% of its industry peers.
  • PLMR's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 28.38%, PLMR belongs to the best of the industry, outperforming 89.19% of the companies in the same industry.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. PLMR Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PLMR is destroying value.
  • Compared to 1 year ago, PLMR has about the same amount of shares outstanding.
  • Compared to 5 years ago, PLMR has more shares outstanding
  • 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/WACC0.67
WACC8.98%
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

More info and screens

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

9

3. PLMR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 54.81% over the past year.
  • The Earnings Per Share has been growing by 84.36% on average over the past years. This is a very strong growth
  • Looking at the last year, PLMR shows a very strong growth in Revenue. The Revenue has grown by 56.04%.
  • Measured over the past years, PLMR shows a very strong growth in Revenue. The Revenue has been growing by 39.05% on average per year.
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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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

More info and screens

Find the best growth stocksShow best growing peers

4

4. PLMR Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.84, 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 63.51% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. PLMR is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 13.27 indicates a correct valuation of PLMR.
  • Based on the Price/Forward Earnings ratio, PLMR is valued a bit more expensive than the industry average as 61.49% of the companies are valued more cheaply.
  • PLMR is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.28, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.84
Fwd PE 13.27
PLMR Price Earnings VS Forward Price EarningsPLMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PLMR is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.45
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

  • PLMR's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • PLMR has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as PLMR's earnings are expected to grow with 12.83% in the coming years.
PEG (NY)1.25
PEG (5Y)0.18
EPS Next 2Y12.83%
EPS Next 3YN/A

More info and screens

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

0

5. PLMR Dividend Analysis

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

PLMR Fundamentals: All Metrics, Ratios and Statistics

PALOMAR HOLDINGS INC

NASDAQ:PLMR (3/20/2026, 8:17:12 PM)

After market: 116.9 0 (0%)

116.9

+0.75 (+0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners95.19%
Inst Owner Change-0.9%
Ins Owners2.48%
Ins Owner Change11.79%
Market Cap3.10B
Revenue(TTM)864.27M
Net Income(TTM)175.87M
Analysts83.08
Price Target170.14 (45.54%)
Short Float %2.09%
Short Ratio2.11
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)1.24%
PT rev (3m)4.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.8%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.38%
Revenue NY rev (1m)2.51%
Revenue NY rev (3m)1.28%
Valuation
Industry RankSector Rank
PE 14.84
Fwd PE 13.27
P/S 4.04
P/FCF 10.45
P/OCF 8.5
P/B 3.53
P/tB 3.8
EV/EBITDA N/A
EPS(TTM)7.88
EY6.74%
EPS(NY)8.81
Fwd EY7.54%
FCF(TTM)11.18
FCFY9.57%
OCF(TTM)13.75
OCFY11.76%
SpS28.93
BVpS33.14
TBVpS30.78
PEG (NY)1.25
PEG (5Y)0.18
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
WACC8.98%
ROIC/WACC0.67
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 Fundamental Analysis 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 14.84 and the Price/Book (PB) ratio is 3.53.


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.