128.46 USD
-1.95 (-1.5%)
128.46 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to PLMR. PLMR was compared to 149 industry peers in the Insurance industry. PLMR scores excellent on profitability, but there are some minor concerns on its financial health. PLMR is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
- In the past year PLMR was profitable.
- PLMR had a positive operating cash flow in the past year.
- Each year in the past 5 years PLMR has been profitable.
- Each year in the past 5 years PLMR had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of PLMR (5.97%) is better than 87.25% of its industry peers.
- PLMR's Return On Equity of 20.03% is amongst the best of the industry. PLMR outperforms 87.25% of its industry peers.
- PLMR's Return On Invested Capital of 5.92% is amongst the best of the industry. PLMR outperforms 84.56% of its industry peers.
- PLMR had an Average Return On Invested Capital over the past 3 years of 4.75%. This is significantly below the industry average of 14.92%.
- The last Return On Invested Capital (5.92%) for PLMR is above the 3 year average (4.75%), which is a sign of increasing profitability.
| 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
- PLMR has a better Profit Margin (22.94%) than 93.29% of its industry peers.
- 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 89.93% 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.
- PLMR has more shares outstanding than it did 1 year ago.
- PLMR has more shares outstanding than it did 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.
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/WACC0.67
WACC8.84%
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.
- The Earnings Per Share has been growing by 23.66% on average over the past years. This is a very strong growth
- PLMR shows a strong growth in Revenue. In the last year, the Revenue has grown by 52.27%.
- The Revenue has been growing by 37.35% on average over the past years. This is a very strong growth!
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
- PLMR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.38% yearly.
- The Revenue is expected to grow by 22.31% on average over the next years. This is a very strong growth
EPS Next Y54.87%
EPS Next 2Y31.58%
EPS Next 3Y25.38%
EPS Next 5YN/A
Revenue Next Year30.53%
Revenue Next 2Y25.3%
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
- With a Price/Earnings ratio of 17.94, PLMR is valued on the expensive side.
- Based on the Price/Earnings ratio, PLMR is valued a bit more expensive than 63.09% of the companies in the same industry.
- When comparing the Price/Earnings ratio of PLMR to the average of the S&P500 Index (27.38), we can say PLMR is valued slightly cheaper.
- PLMR is valuated correctly with a Price/Forward Earnings ratio of 14.58.
- 60.40% of the companies in the same industry are cheaper than PLMR, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of PLMR to the average of the S&P500 Index (24.29), we can say PLMR is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.94 | ||
| Fwd PE | 14.58 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PLMR indicates a slightly more expensive valuation: PLMR is more expensive than 61.74% of the companies listed in the same industry.
- PLMR's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.49 | ||
| EV/EBITDA | 14.78 |
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 25.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)0.76
EPS Next 2Y31.58%
EPS Next 3Y25.38%
5. Dividend
5.1 Amount
- PLMR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
128.46
-1.95 (-1.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-10 2026-02-10/amc
Inst Owners95.19%
Inst Owner Change-0.02%
Ins Owners2.48%
Ins Owner Change2.5%
Market Cap3.40B
Revenue(TTM)766.67M
Net Income(TTM)175.87M
Analysts83.08
Price Target168.05 (30.82%)
Short Float %1.9%
Short Ratio1.99
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)2.97%
PT rev (3m)-1.23%
EPS NQ rev (1m)0.65%
EPS NQ rev (3m)4.01%
EPS NY rev (1m)0.17%
EPS NY rev (3m)7.37%
Revenue NQ rev (1m)-0.38%
Revenue NQ rev (3m)1.78%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.94 | ||
| Fwd PE | 14.58 | ||
| P/S | 4.44 | ||
| P/FCF | 11.49 | ||
| P/OCF | 9.34 | ||
| P/B | 3.88 | ||
| P/tB | 4.17 | ||
| EV/EBITDA | 14.78 |
EPS(TTM)7.16
EY5.57%
EPS(NY)8.81
Fwd EY6.86%
FCF(TTM)11.18
FCFY8.71%
OCF(TTM)13.75
OCFY10.7%
SpS28.93
BVpS33.14
TBVpS30.78
PEG (NY)0.33
PEG (5Y)0.76
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
WACC8.84%
ROIC/WACC0.67
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 Y54.87%
EPS Next 2Y31.58%
EPS Next 3Y25.38%
EPS Next 5YN/A
Revenue 1Y (TTM)52.27%
Revenue growth 3Y30.75%
Revenue growth 5Y37.35%
Sales Q2Q%43.9%
Revenue Next Year30.53%
Revenue Next 2Y25.3%
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 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 8 / 10.
Can you provide the PE and PB ratios for PLMR stock?
The Price/Earnings (PE) ratio for PALOMAR HOLDINGS INC (PLMR) is 17.94 and the Price/Book (PB) ratio is 3.88.
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 54.87% in the next year.