Overall PLMR gets a fundamental rating of 6 out of 10. We evaluated PLMR against 147 industry peers in the Insurance industry. PLMR has an excellent profitability rating, 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!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year PLMR was profitable.
In the past year PLMR had a positive cash flow from operations.
In the past 5 years PLMR has always been profitable.
Each year in the past 5 years PLMR had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 5.97%, PLMR belongs to the best of the industry, outperforming 86.39% of the companies in the same industry.
With an excellent Return On Equity value of 20.03%, PLMR belongs to the best of the industry, outperforming 87.07% of the companies in the same industry.
The Return On Invested Capital of PLMR (5.92%) is better than 85.03% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PLMR is significantly below the industry average of 14.94%.
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 93.20% of its industry peers.
In the last couple of years the Profit Margin of PLMR has grown nicely.
With an excellent Operating Margin value of 28.38%, PLMR belongs to the best of the industry, outperforming 89.80% of the companies in the same industry.
PLMR's Operating Margin has improved in the last couple of years.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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
PLMR has more shares outstanding than it did 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.

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

WACC8.85%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

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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%.
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)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.
PLMR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.31% yearly.

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

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 17.26, which indicates a rather expensive current valuation of PLMR.
Based on the Price/Earnings ratio, PLMR is valued a bit more expensive than the industry average as 64.63% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of PLMR to the average of the S&P500 Index (28.32), we can say PLMR is valued slightly cheaper.
With a Price/Forward Earnings ratio of 14.03, 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's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.57.

		Industry Rank	Sector Rank
PE	17.26
Fwd PE	14.03

4.2 Price Multiples

PLMR's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. PLMR is more expensive than 60.54% 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	11.05
EV/EBITDA	14.2

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.
A more expensive valuation may be justified as PLMR's earnings are expected to grow with 25.38% in the coming years.