PALOMAR HOLDINGS INC (PLMR) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:PLMR • US69753M1053

121.83 USD
-2.39 (-1.92%)
Last: Feb 3, 2026, 01:45 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to PLMR. PLMR was compared to 147 industry peers in the Insurance industry. While PLMR belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. PLMR is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

8

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.
  • 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.
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 50M 100M 150M 200M 250M

1.2 Ratios

  • PLMR has a better Return On Assets (5.97%) than 86.39% of its industry peers.
  • 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.
  • Looking at the Return On Invested Capital, with a value of 5.92%, PLMR belongs to the top of the industry, outperforming 85.03% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for PLMR is significantly below the industry average of 14.94%.
  • The 3 year average ROIC (4.75%) for PLMR is below the current ROIC(5.92%), indicating increased profibility in the last year.
Industry RankSector 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%
PLMR Yearly ROA, ROE, ROICPLMR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 22.94%, PLMR belongs to the top of the industry, outperforming 93.20% of the companies in the same industry.
  • PLMR's Profit Margin has improved in the last couple of years.
  • 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.
  • In the last couple of years the Operating Margin of PLMR has grown nicely.
Industry RankSector 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
PLMR Yearly Profit, Operating, Gross MarginsPLMR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. Health

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 has been increased compared to 1 year ago.
  • 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.
PLMR Yearly Shares OutstandingPLMR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.67
WACC8.85%
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 200M 400M 600M

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 20M 40M 60M

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9

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 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

  • Based on estimates for the next years, PLMR will show a very strong growth in Earnings Per Share. The EPS will grow by 25.38% on average per year.
  • Based on estimates for the next years, PLMR will show a very strong growth in Revenue. The Revenue will grow by 22.31% on average per year.
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.
  • 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 500M 1B 1.5B 2B 2.5B
PLMR Yearly EPS VS EstimatesPLMR Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.02, PLMR is valued on the expensive side.
  • 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.
  • PLMR is valuated rather cheaply when we compare the Price/Earnings ratio to 28.41, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 13.83, PLMR is valued correctly.
  • Based on the Price/Forward Earnings ratio, PLMR is valued a bit more expensive than 60.54% of the companies in the same industry.
  • PLMR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.64.
Industry RankSector Rank
PE 17.02
Fwd PE 13.83
PLMR Price Earnings VS Forward Price EarningsPLMR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PLMR is valued a bit more expensive than 60.54% of the companies in the same industry.
  • PLMR's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.89
EV/EBITDA 14.28
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.
  • 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.
PEG (NY)0.31
PEG (5Y)0.72
EPS Next 2Y31.58%
EPS Next 3Y25.38%

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0

5. Dividend

5.1 Amount

  • No dividends for PLMR!.
Industry RankSector Rank
Dividend Yield 0%

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PALOMAR HOLDINGS INC

NASDAQ:PLMR (2/3/2026, 1:45:34 PM)

121.83

-2.39 (-1.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-18
Inst Owners95.19%
Inst Owner Change-0.69%
Ins Owners2.48%
Ins Owner Change2.88%
Market Cap3.23B
Revenue(TTM)766.67M
Net Income(TTM)175.87M
Analysts83.08
Price Target168.05 (37.94%)
Short Float %N/A
Short RatioN/A
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)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)2.58%
PT rev (3m)7.45%
EPS NQ rev (1m)0.65%
EPS NQ rev (3m)5.24%
EPS NY rev (1m)0.17%
EPS NY rev (3m)7.09%
Revenue NQ rev (1m)-0.38%
Revenue NQ rev (3m)1.7%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)4.16%
Valuation
Industry RankSector Rank
PE 17.02
Fwd PE 13.83
P/S 4.21
P/FCF 10.89
P/OCF 8.86
P/B 3.68
P/tB 3.96
EV/EBITDA 14.28
EPS(TTM)7.16
EY5.88%
EPS(NY)8.81
Fwd EY7.23%
FCF(TTM)11.18
FCFY9.18%
OCF(TTM)13.75
OCFY11.29%
SpS28.93
BVpS33.14
TBVpS30.78
PEG (NY)0.31
PEG (5Y)0.72
Graham Number73.06
Profitability
Industry RankSector 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 RankSector 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
WACC8.85%
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 17.02 and the Price/Book (PB) ratio is 3.68.


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.