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Company Analysis

Palomar Holdings, Inc. PLMR

A comprehensive view of key metrics, scores, and financial health for Palomar Holdings, Inc.

Overview of Palomar Holdings, Inc.

PLMR NMS
Financial Services Insurance - Property & Casualty Mid Cap
Palomar Holdings, Inc. (PLMR), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $127.12, about 73.8% overvalued vs fair value, -12.3% 1Y return, placing in the top 25% of its sector.
$127.12
0.82%
As of April 28, 2026
Previous close • Vol 90d: 31.6%
52-Week Range
Market Cap
$3.37B
Enterprise Value
$3.27B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Good
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://plmr.com
HQ La Jolla, CA
Employees 439
Fiscal year Dec 31

Next Events

Earnings May 4 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $127.12 -74% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$553.9M
47.3%%
Underwriting Result
$152.3M
41.8%%
Net Income
$117.6M
48.4%%
Capital Allocation
$-53.5M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Net Income Margin
21.2%
Excellent

Net Income / Revenue — overall bottom-line profitability after investment income and taxes

Locked Metric
-
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$53.5M
45.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Palomar Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Strong
81
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing PLMR's balance between Growth (38.1%), Profitability (35.8%), and Safety (26.1%). Growth 38% Safety 26% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

82th percentile vs peers
83
Key Signals
Rev Growth YoY 47.3% 98p Revenue CAGR 3Y 30.8% 87p Equity Growth YoY 54.7% 92p EPS Growth YoY 43.4% 52p Asset Growth YoY -54.8% 1p
Strengths
  • Growth performance in top 20% of peers (percentile: 82)
  • Rev Growth YoY in top 20% of peers (47.3%, 98th percentile)
  • Revenue CAGR 3Y in top 20% of peers (30.8%, 87th percentile)
  • Equity Growth YoY in top 20% of peers (54.7%, 92th percentile)
  • Net Profit Margin in top 20% of peers (21.2%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

77th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Palomar Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$33.27
- - -
-73.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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