PALOMAR HOLDINGS INC (PLMR) Fundamental Analysis & Valuation

NASDAQ:PLMR • US69753M1053

Current stock price

125.79 USD
-0.3 (-0.24%)
Last:

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.
  • Each year in the past 5 years PLMR has been profitable.
  • In the past 5 years PLMR always reported a positive cash flow from operatings.
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 100M 200M 300M 400M

1.2 Ratios

  • PLMR has a Return On Assets of 6.46%. This is amongst the best in the industry. PLMR outperforms 85.71% of its industry peers.
  • With an excellent Return On Equity value of 20.91%, PLMR belongs to the best of the industry, outperforming 82.99% of the companies in the same industry.
  • PLMR's Return On Invested Capital of 6.41% is fine compared to the rest of the industry. PLMR outperforms 78.91% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PLMR is below the industry average of 9.60%.
  • The last Return On Invested Capital (6.41%) for PLMR is above the 3 year average (5.54%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.46%
ROE 20.91%
ROIC 6.41%
ROA(3y)5.43%
ROA(5y)5.05%
ROE(3y)17.95%
ROE(5y)15.8%
ROIC(3y)5.54%
ROIC(5y)5.14%
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's Profit Margin of 22.80% is amongst the best of the industry. PLMR outperforms 89.80% of its industry peers.
  • In the last couple of years the Profit Margin of PLMR has grown nicely.
  • Looking at the Operating Margin, with a value of 28.00%, PLMR belongs to the top of the industry, outperforming 89.12% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PLMR has grown nicely.
Industry RankSector Rank
OM 28%
PM (TTM) 22.8%
GM N/A
OM growth 3Y9.73%
OM growth 5Y49.66%
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

  • PLMR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, PLMR has about the same amount of 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.
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

  • PLMR has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.72
WACC8.95%
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

8

3. PLMR Growth Analysis

3.1 Past

  • PLMR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 54.81%, which is quite impressive.
  • The Earnings Per Share has been growing by 84.36% on average over the past years. This is a very strong growth
  • The Revenue has grown by 56.04% in the past year. This is a very strong growth!
  • 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

  • The Earnings Per Share is expected to grow by 15.17% on average over the next years. This is quite good.
  • PLMR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.43% yearly.
EPS Next Y24.07%
EPS Next 2Y19.26%
EPS Next 3Y15.17%
EPS Next 5YN/A
Revenue Next Year24.76%
Revenue Next 2Y22.02%
Revenue Next 3Y14.43%
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.
  • 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.
PLMR Yearly Revenue VS EstimatesPLMR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
PLMR Yearly EPS VS EstimatesPLMR Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 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

  • The Price/Earnings ratio is 15.96, which indicates a correct valuation of PLMR.
  • Based on the Price/Earnings ratio, PLMR is valued a bit more expensive than the industry average as 72.11% of the companies are valued more cheaply.
  • PLMR is valuated rather cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 12.87, PLMR is valued correctly.
  • 61.22% of the companies in the same industry are cheaper than PLMR, based on the Price/Forward Earnings ratio.
  • PLMR is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.12, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.96
Fwd PE 12.87
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 Enterprise Value to EBITDA ratio of PLMR is on the same level as its industry peers.
  • PLMR's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.69
EV/EBITDA 12.89
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PLMR has a very decent profitability rating, which may justify a higher PE ratio.
  • PLMR's earnings are expected to grow with 15.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.66
PEG (5Y)0.19
EPS Next 2Y19.26%
EPS Next 3Y15.17%

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 (4/28/2026, 3:05:09 PM)

125.79

-0.3 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners97.31%
Inst Owner Change0.31%
Ins Owners2.66%
Ins Owner Change11.04%
Market Cap3.33B
Revenue(TTM)864.27M
Net Income(TTM)197.07M
Analysts82.86
Price Target168.3 (33.79%)
Short Float %2.52%
Short Ratio2.62
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)13.27%
Min EPS beat(2)5.13%
Max EPS beat(2)21.42%
EPS beat(4)4
Avg EPS beat(4)11.36%
Min EPS beat(4)3.51%
Max EPS beat(4)21.42%
EPS beat(8)8
Avg EPS beat(8)13.73%
EPS beat(12)12
Avg EPS beat(12)12.97%
EPS beat(16)15
Avg EPS beat(16)7.9%
Revenue beat(2)2
Avg Revenue beat(2)6.09%
Min Revenue beat(2)1.42%
Max Revenue beat(2)10.76%
Revenue beat(4)3
Avg Revenue beat(4)3.9%
Min Revenue beat(4)-2.55%
Max Revenue beat(4)10.76%
Revenue beat(8)5
Avg Revenue beat(8)3.51%
Revenue beat(12)6
Avg Revenue beat(12)1.31%
Revenue beat(16)6
Avg Revenue beat(16)-13.77%
PT rev (1m)-1.08%
PT rev (3m)0.15%
EPS NQ rev (1m)0.5%
EPS NQ rev (3m)4.75%
EPS NY rev (1m)0.04%
EPS NY rev (3m)10.95%
Revenue NQ rev (1m)-1%
Revenue NQ rev (3m)1.9%
Revenue NY rev (1m)-1.35%
Revenue NY rev (3m)3.73%
Valuation
Industry RankSector Rank
PE 15.96
Fwd PE 12.87
P/S 3.86
P/FCF 9.69
P/OCF 8.15
P/B 3.54
P/tB 3.78
EV/EBITDA 12.89
EPS(TTM)7.88
EY6.26%
EPS(NY)9.78
Fwd EY7.77%
FCF(TTM)12.99
FCFY10.32%
OCF(TTM)15.43
OCFY12.27%
SpS32.6
BVpS35.56
TBVpS33.26
PEG (NY)0.66
PEG (5Y)0.19
Graham Number79.4015 (-36.88%)
Profitability
Industry RankSector Rank
ROA 6.46%
ROE 20.91%
ROCE 8.25%
ROIC 6.41%
ROICexc 6.65%
ROICexgc 10.34%
OM 28%
PM (TTM) 22.8%
GM N/A
FCFM 39.84%
ROA(3y)5.43%
ROA(5y)5.05%
ROE(3y)17.95%
ROE(5y)15.8%
ROIC(3y)5.54%
ROIC(5y)5.14%
ROICexc(3y)5.75%
ROICexc(5y)5.37%
ROICexgc(3y)9.13%
ROICexgc(5y)8.38%
ROCE(3y)7.13%
ROCE(5y)6.61%
ROICexgc growth 3Y13.77%
ROICexgc growth 5Y59.75%
ROICexc growth 3Y14.9%
ROICexc growth 5Y56.26%
OM growth 3Y9.73%
OM growth 5Y49.66%
PM growth 3Y12.13%
PM growth 5Y43.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 726.09%
Cap/Sales 7.5%
Interest Coverage 215.33
Cash Conversion 163.02%
Profit Quality 174.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.95%
ROIC/WACC0.72
Cap/Depr(3y)372.5%
Cap/Depr(5y)280.77%
Cap/Sales(3y)3.92%
Cap/Sales(5y)3.11%
Profit Quality(3y)174.26%
Profit Quality(5y)203.44%
High Growth Momentum
Growth
EPS 1Y (TTM)54.81%
EPS 3Y46.23%
EPS 5Y84.36%
EPS Q2Q%47.37%
EPS Next Y24.07%
EPS Next 2Y19.26%
EPS Next 3Y15.17%
EPS Next 5YN/A
Revenue 1Y (TTM)56.04%
Revenue growth 3Y38.87%
Revenue growth 5Y39.05%
Sales Q2Q%31.82%
Revenue Next Year24.76%
Revenue Next 2Y22.02%
Revenue Next 3Y14.43%
Revenue Next 5YN/A
EBIT growth 1Y65.62%
EBIT growth 3Y52.38%
EBIT growth 5Y108.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y34.96%
FCF growth 3Y28.15%
FCF growth 5Y49.31%
OCF growth 1Y56.66%
OCF growth 3Y34.11%
OCF growth 5Y48.06%

PALOMAR HOLDINGS INC / PLMR Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 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.


What is the profitability of PLMR stock?

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


What is the earnings growth outlook for PALOMAR HOLDINGS INC?

The Earnings per Share (EPS) of PALOMAR HOLDINGS INC (PLMR) is expected to grow by 24.07% in the next year.


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%.