PALOMAR HOLDINGS INC (PLMR) Fundamental Analysis & Valuation

NASDAQ:PLMR • US69753M1053

Current stock price

116.83 USD
-4.46 (-3.68%)
At close:
116.83 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.

8

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.
  • PLMR had positive earnings in each of the past 5 years.
  • 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

  • With an excellent Return On Assets value of 6.46%, PLMR belongs to the best of the industry, outperforming 86.49% of the companies in the same industry.
  • PLMR's Return On Equity of 20.91% is amongst the best of the industry. PLMR outperforms 85.81% of its industry peers.
  • The Return On Invested Capital of PLMR (6.41%) is better than 81.08% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PLMR is below the industry average of 9.36%.
  • 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 91.89% of its industry peers.
  • In the last couple of years the Profit Margin of PLMR has grown nicely.
  • The Operating Margin of PLMR (28.00%) is better than 89.86% of its industry peers.
  • PLMR's Operating Margin has improved in the last couple of years.
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

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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.
  • The number of shares outstanding for PLMR remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for PLMR has been increased compared to 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

  • 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/WACC0.71
WACC9.08%
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. 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.
  • 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

  • PLMR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.17% yearly.
  • Based on estimates for the next years, PLMR will show a very strong growth in Revenue. The Revenue will grow by 23.86% on average per year.
EPS Next Y24.02%
EPS Next 2Y19.29%
EPS Next 3Y15.17%
EPS Next 5YN/A
Revenue Next Year26.46%
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.
  • 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 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

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5

4. PLMR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.83 indicates a correct valuation of PLMR.
  • Based on the Price/Earnings ratio, PLMR is valued a bit more expensive than the industry average as 68.92% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 24.89, PLMR is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 11.95 indicates a reasonable valuation of PLMR.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PLMR indicates a slightly more expensive valuation: PLMR is more expensive than 60.81% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. PLMR is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 14.83
Fwd PE 11.95
PLMR Price Earnings VS Forward Price EarningsPLMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • 60.14% of the companies in the same industry are cheaper than PLMR, based on the Enterprise Value to EBITDA ratio.
  • PLMR's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.06
EV/EBITDA 12.47
PLMR Per share dataPLMR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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 15.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.62
PEG (5Y)0.18
EPS Next 2Y19.29%
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%

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PLMR Fundamentals: All Metrics, Ratios and Statistics

PALOMAR HOLDINGS INC

NASDAQ:PLMR (3/27/2026, 8:00:00 PM)

After market: 116.83 0 (0%)

116.83

-4.46 (-3.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)05-04
Inst Owners96.57%
Inst Owner Change-0.9%
Ins Owners2.65%
Ins Owner Change11.78%
Market Cap3.12B
Revenue(TTM)864.27M
Net Income(TTM)197.07M
Analysts82.86
Price Target170.14 (45.63%)
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)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)1.24%
PT rev (3m)3.86%
EPS NQ rev (1m)6.67%
EPS NQ rev (3m)5.88%
EPS NY rev (1m)10.91%
EPS NY rev (3m)10.87%
Revenue NQ rev (1m)2.93%
Revenue NQ rev (3m)2.93%
Revenue NY rev (1m)5.15%
Revenue NY rev (3m)3.88%
Valuation
Industry RankSector Rank
PE 14.83
Fwd PE 11.95
P/S 3.61
P/FCF 9.06
P/OCF 7.62
P/B 3.31
P/tB 3.54
EV/EBITDA 12.47
EPS(TTM)7.88
EY6.74%
EPS(NY)9.77
Fwd EY8.37%
FCF(TTM)12.9
FCFY11.04%
OCF(TTM)15.33
OCFY13.12%
SpS32.38
BVpS35.32
TBVpS33.03
PEG (NY)0.62
PEG (5Y)0.18
Graham Number79.13
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
WACC9.08%
ROIC/WACC0.71
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 Y24.02%
EPS Next 2Y19.29%
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 Year26.46%
Revenue Next 2Y23.86%
Revenue Next 3YN/A
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 6 / 10 to PLMR.


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

ChartMill assigns a valuation rating of 5 / 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.


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

The Price/Earnings (PE) ratio for PALOMAR HOLDINGS INC (PLMR) is 14.83 and the Price/Book (PB) ratio is 3.31.


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 24.02% in the next year.