PALOMAR HOLDINGS INC (PLMR) Stock Fundamental Analysis
USA - NASDAQ:PLMR - US69753M1053 - Common Stock
125.96 USD
+8.17 (+6.94%)
Taking everything into account, PLMR scores 6 out of 10 in our fundamental rating. PLMR was compared to 146 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.
PLMR had a positive operating cash flow in the past year.
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.
1.2 Ratios
PLMR's Return On Assets of 5.47% is amongst the best of the industry. PLMR outperforms 88.36% of its industry peers.
PLMR has a Return On Equity of 18.29%. This is amongst the best in the industry. PLMR outperforms 82.19% of its industry peers.
With an excellent Return On Invested Capital value of 5.46%, PLMR belongs to the best of the industry, outperforming 84.25% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PLMR is in line with the industry average of 4.53%.
The 3 year average ROIC (4.75%) for PLMR is below the current ROIC(5.46%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.47% | ||
| ROE | 18.29% | ||
| ROIC | 5.46% |
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 22.98%, PLMR belongs to the top of the industry, outperforming 93.84% of the companies in the same industry.
PLMR's Profit Margin has improved in the last couple of years.
PLMR has a better Operating Margin (28.15%) than 92.47% of its industry peers.
PLMR's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.15% | ||
| PM (TTM) | 22.98% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PLMR is destroying value.
Compared to 1 year ago, PLMR has more shares outstanding
Compared to 5 years ago, PLMR has more shares outstanding
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/WACC0.62
WACC8.76%
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 47.33%.
Measured over the past years, PLMR shows a very strong growth in Revenue. The Revenue has been growing by 37.35% on average per year.
EPS 1Y (TTM)52.99%
EPS 3Y35.41%
EPS 5Y23.66%
EPS Q2Q%63.41%
Revenue 1Y (TTM)47.33%
Revenue growth 3Y30.75%
Revenue growth 5Y37.35%
Sales Q2Q%-41.88%
3.2 Future
Based on estimates for the next years, PLMR will show a very strong growth in Earnings Per Share. The EPS will grow by 24.52% on average per year.
The Revenue is expected to grow by 16.32% on average over the next years. This is quite good.
EPS Next Y44.62%
EPS Next 2Y29.63%
EPS Next 3Y24.52%
EPS Next 5YN/A
Revenue Next Year25.32%
Revenue Next 2Y22.29%
Revenue Next 3Y16.32%
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 17.59, PLMR is valued on the expensive side.
PLMR's Price/Earnings ratio is a bit more expensive when compared to the industry. PLMR is more expensive than 63.01% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.67. PLMR is valued slightly cheaper when compared to this.
PLMR is valuated correctly with a Price/Forward Earnings ratio of 14.73.
Based on the Price/Forward Earnings ratio, PLMR is valued a bit more expensive than the industry average as 60.27% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 31.86, PLMR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.59 | ||
| Fwd PE | 14.73 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PLMR is valued a bit more expensive than 62.33% of the companies in the same industry.
PLMR's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.77 | ||
| EV/EBITDA | 15.77 |
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 24.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)0.74
EPS Next 2Y29.63%
EPS Next 3Y24.52%
5. Dividend
5.1 Amount
PLMR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:PLMR (11/7/2025, 10:52:00 AM)
125.96
+8.17 (+6.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners93.69%
Inst Owner Change-0.57%
Ins Owners2.46%
Ins Owner Change3.88%
Market Cap3.37B
Revenue(TTM)553.86M
Net Income(TTM)154.91M
Analysts81.43
Price Target156.4 (24.17%)
Short Float %1.92%
Short Ratio1.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)9.44%
Min EPS beat(2)3.51%
Max EPS beat(2)15.38%
EPS beat(4)4
Avg EPS beat(4)14.11%
Min EPS beat(4)3.51%
Max EPS beat(4)21.01%
EPS beat(8)8
Avg EPS beat(8)15.22%
EPS beat(12)11
Avg EPS beat(12)7.7%
EPS beat(16)14
Avg EPS beat(16)4.65%
Revenue beat(2)1
Avg Revenue beat(2)1.71%
Min Revenue beat(2)-2.55%
Max Revenue beat(2)5.98%
Revenue beat(4)1
Avg Revenue beat(4)-1.5%
Min Revenue beat(4)-7.57%
Max Revenue beat(4)5.98%
Revenue beat(8)3
Avg Revenue beat(8)1.19%
Revenue beat(12)4
Avg Revenue beat(12)-10.18%
Revenue beat(16)4
Avg Revenue beat(16)-20.97%
PT rev (1m)-8.07%
PT rev (3m)-17.3%
EPS NQ rev (1m)2.22%
EPS NQ rev (3m)1.8%
EPS NY rev (1m)0.26%
EPS NY rev (3m)3.3%
Revenue NQ rev (1m)-0.57%
Revenue NQ rev (3m)-4.97%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.59 | ||
| Fwd PE | 14.73 | ||
| P/S | 5 | ||
| P/FCF | 10.77 | ||
| P/OCF | 8.85 | ||
| P/B | 3.98 | ||
| P/tB | 4.3 | ||
| EV/EBITDA | 15.77 |
EPS(TTM)7.16
EY5.68%
EPS(NY)8.55
Fwd EY6.79%
FCF(TTM)11.69
FCFY9.28%
OCF(TTM)14.23
OCFY11.29%
SpS25.17
BVpS31.64
TBVpS29.29
PEG (NY)0.39
PEG (5Y)0.74
Graham Number71.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.47% | ||
| ROE | 18.29% | ||
| ROCE | 7.08% | ||
| ROIC | 5.46% | ||
| ROICexc | 5.63% | ||
| ROICexgc | 8.95% | ||
| OM | 28.15% | ||
| PM (TTM) | 22.98% | ||
| GM | N/A | ||
| FCFM | 46.46% |
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 Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 1328.77% | ||
| Cap/Sales | 10.07% | ||
| Interest Coverage | 732.46 | ||
| Cash Conversion | 195.56% | ||
| Profit Quality | 202.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC8.76%
ROIC/WACC0.62
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 Y44.62%
EPS Next 2Y29.63%
EPS Next 3Y24.52%
EPS Next 5YN/A
Revenue 1Y (TTM)47.33%
Revenue growth 3Y30.75%
Revenue growth 5Y37.35%
Sales Q2Q%-41.88%
Revenue Next Year25.32%
Revenue Next 2Y22.29%
Revenue Next 3Y16.32%
Revenue Next 5YN/A
EBIT growth 1Y53.2%
EBIT growth 3Y36.71%
EBIT growth 5Y50.23%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y220.82%
FCF growth 3Y45.45%
FCF growth 5Y43.72%
OCF growth 1Y246.33%
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 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.
What are the PE and PB ratios of PALOMAR HOLDINGS INC (PLMR) stock?
The Price/Earnings (PE) ratio for PALOMAR HOLDINGS INC (PLMR) is 17.59 and the Price/Book (PB) ratio is 3.98.
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%.