137.5 USD
+0.83 (+0.61%)
Taking everything into account, PLMR scores 6 out of 10 in our fundamental rating. PLMR was compared to 148 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!
1. Profitability
1.1 Basic Checks
PLMR had positive earnings in the past year.
In the past year PLMR had a positive cash flow from operations.
PLMR had positive earnings in each of the past 5 years.
Each year in the past 5 years PLMR had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 5.97%, PLMR belongs to the best of the industry, outperforming 87.84% of the companies in the same industry.
PLMR's Return On Equity of 20.03% is amongst the best of the industry. PLMR outperforms 87.84% of its industry peers.
With an excellent Return On Invested Capital value of 5.92%, PLMR belongs to the best of the industry, outperforming 84.46% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PLMR is significantly below the industry average of 14.88%.
The 3 year average ROIC (4.75%) for PLMR is below the current ROIC(5.92%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.97% | ||
| ROE | 20.03% | ||
| ROIC | 5.92% |
ROA(3y)4.61%
ROA(5y)3.93%
ROE(3y)15.5%
ROE(5y)11.97%
ROIC(3y)4.75%
ROIC(5y)3.96%
1.3 Margins
Looking at the Profit Margin, with a value of 22.94%, PLMR belongs to the top of the industry, outperforming 93.24% of the companies in the same industry.
PLMR's Profit Margin has improved in the last couple of years.
PLMR's Operating Margin of 28.38% is amongst the best of the industry. PLMR outperforms 89.86% of its industry peers.
In the last couple of years the Operating Margin of PLMR has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.38% | ||
| PM (TTM) | 22.94% | ||
| GM | N/A |
OM growth 3Y4.56%
OM growth 5Y9.37%
PM growth 3Y4.72%
PM growth 5Y17.81%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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 more shares outstanding
The number of shares outstanding for PLMR has been increased compared to 5 years ago.
PLMR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACC0.68
WACC8.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PLMR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 52.99%, which is quite impressive.
Measured over the past years, PLMR shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.66% on average per year.
PLMR shows a strong growth in Revenue. In the last year, the Revenue has grown by 52.27%.
PLMR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 37.35% yearly.
EPS 1Y (TTM)52.99%
EPS 3Y35.41%
EPS 5Y23.66%
EPS Q2Q%63.41%
Revenue 1Y (TTM)52.27%
Revenue growth 3Y30.75%
Revenue growth 5Y37.35%
Sales Q2Q%43.9%
3.2 Future
The Earnings Per Share is expected to grow by 26.00% on average over the next years. This is a very strong growth
PLMR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.31% yearly.
EPS Next Y54.6%
EPS Next 2Y31.6%
EPS Next 3Y26%
EPS Next 5YN/A
Revenue Next Year30.66%
Revenue Next 2Y26.06%
Revenue Next 3Y22.31%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 19.20, which indicates a rather expensive current valuation of PLMR.
Based on the Price/Earnings ratio, PLMR is valued a bit more expensive than 64.86% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.61, PLMR is valued a bit cheaper.
PLMR is valuated correctly with a Price/Forward Earnings ratio of 15.60.
Based on the Price/Forward Earnings ratio, PLMR is valued a bit more expensive than the industry average as 62.16% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.01, PLMR is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.2 | ||
| Fwd PE | 15.6 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PLMR is valued a bit more expensive than the industry average as 62.84% of the companies are valued more cheaply.
PLMR's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.29 | ||
| EV/EBITDA | 15.76 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of PLMR may justify a higher PE ratio.
PLMR's earnings are expected to grow with 26.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)0.81
EPS Next 2Y31.6%
EPS Next 3Y26%
5. Dividend
5.1 Amount
PLMR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:PLMR (12/23/2025, 9:44:59 AM)
137.5
+0.83 (+0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.09%
Inst Owner Change-2.19%
Ins Owners2.48%
Ins Owner Change3.35%
Market Cap3.64B
Revenue(TTM)766.67M
Net Income(TTM)175.87M
Analysts83.08
Price Target163.81 (19.13%)
Short Float %1.87%
Short Ratio1.86
Dividend
| Industry Rank | Sector 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)4.74%
PT rev (3m)-3.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.34%
EPS NY rev (1m)6.9%
EPS NY rev (3m)7.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.16%
Revenue NY rev (1m)4.26%
Revenue NY rev (3m)4.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.2 | ||
| Fwd PE | 15.6 | ||
| P/S | 4.75 | ||
| P/FCF | 12.29 | ||
| P/OCF | 10 | ||
| P/B | 4.15 | ||
| P/tB | 4.47 | ||
| EV/EBITDA | 15.76 |
EPS(TTM)7.16
EY5.21%
EPS(NY)8.81
Fwd EY6.41%
FCF(TTM)11.18
FCFY8.13%
OCF(TTM)13.75
OCFY10%
SpS28.93
BVpS33.14
TBVpS30.78
PEG (NY)0.35
PEG (5Y)0.81
Graham Number73.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.97% | ||
| ROE | 20.03% | ||
| ROCE | 7.68% | ||
| ROIC | 5.92% | ||
| ROICexc | 6.17% | ||
| ROICexgc | 9.89% | ||
| OM | 28.38% | ||
| PM (TTM) | 22.94% | ||
| GM | N/A | ||
| FCFM | 38.66% |
ROA(3y)4.61%
ROA(5y)3.93%
ROE(3y)15.5%
ROE(5y)11.97%
ROIC(3y)4.75%
ROIC(5y)3.96%
ROICexc(3y)4.95%
ROICexc(5y)4.14%
ROICexgc(3y)7.96%
ROICexgc(5y)6.46%
ROCE(3y)6.16%
ROCE(5y)5.14%
ROICexgc growth 3Y4.17%
ROICexgc growth 5Y10.49%
ROICexc growth 3Y1.1%
ROICexc growth 5Y4.73%
OM growth 3Y4.56%
OM growth 5Y9.37%
PM growth 3Y4.72%
PM growth 5Y17.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 1330.67% | ||
| Cap/Sales | 8.86% | ||
| Interest Coverage | 706.47 | ||
| Cash Conversion | 163.6% | ||
| Profit Quality | 168.53% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.77%
ROIC/WACC0.68
Cap/Depr(3y)179.25%
Cap/Depr(5y)306.32%
Cap/Sales(3y)2.07%
Cap/Sales(5y)2.95%
Profit Quality(3y)220.49%
Profit Quality(5y)315.8%
High Growth Momentum
Growth
EPS 1Y (TTM)52.99%
EPS 3Y35.41%
EPS 5Y23.66%
EPS Q2Q%63.41%
EPS Next Y54.6%
EPS Next 2Y31.6%
EPS Next 3Y26%
EPS Next 5YN/A
Revenue 1Y (TTM)52.27%
Revenue growth 3Y30.75%
Revenue growth 5Y37.35%
Sales Q2Q%43.9%
Revenue Next Year30.66%
Revenue Next 2Y26.06%
Revenue Next 3Y22.31%
Revenue Next 5YN/A
EBIT growth 1Y61.99%
EBIT growth 3Y36.71%
EBIT growth 5Y50.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y89.39%
FCF growth 3Y45.45%
FCF growth 5Y43.72%
OCF growth 1Y115.72%
OCF growth 3Y43.81%
OCF growth 5Y42.47%
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 for 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 8 / 10.
What are the PE and PB ratios of PALOMAR HOLDINGS INC (PLMR) stock?
The Price/Earnings (PE) ratio for PALOMAR HOLDINGS INC (PLMR) is 19.2 and the Price/Book (PB) ratio is 4.15.
How sustainable is the dividend of PALOMAR HOLDINGS INC (PLMR) stock?
The dividend rating of PALOMAR HOLDINGS INC (PLMR) is 0 / 10 and the dividend payout ratio is 0%.