(PLMR) Palomar Holdings - Ratings and Ratios
Earthquake, Flood, Wind, Marine, Reinsurance
PLMR EPS (Earnings per Share)
PLMR Revenue
Description: PLMR Palomar Holdings
Palomar Holdings, Inc. (NASDAQ:PLMR) is a specialty insurance company operating in the United States, offering a range of property and casualty insurance products to individuals and businesses. The companys product portfolio includes residential and commercial earthquake insurance, fronting, inland marine, and other property products, as well as assumed reinsurance and crop insurance products.
From a business perspective, Palomar Holdings has demonstrated growth and profitability, with a Return on Equity (RoE) of 19.47%, indicating a strong ability to generate profits from shareholder equity. The companys market capitalization stands at $3.476 billion, suggesting a significant presence in the market. With a Price-to-Earnings (P/E) ratio of 26.00, the stock is priced at a premium, possibly reflecting investor confidence in the companys future growth prospects.
Key Performance Indicators (KPIs) that could be relevant for evaluating Palomar Holdings include the Loss Ratio, Expense Ratio, and Combined Ratio, which are crucial metrics for insurance companies. A low Loss Ratio and Expense Ratio, and a Combined Ratio below 100%, would indicate efficient operations and underwriting profitability. Additionally, metrics such as Gross Written Premium (GWP) growth, Net Earned Premium (NEP), and Investment Income could provide insights into the companys revenue growth, underwriting performance, and asset management capabilities.
To further analyze Palomar Holdings, it would be essential to examine its distribution channels, including retail agents, wholesale brokers, program administrators, and carrier partnerships, to understand the companys market reach and potential for expansion. The companys product diversification, including its earthquake and flood insurance offerings, could also be an important factor in assessing its risk profile and growth opportunities.
PLMR Stock Overview
| Market Cap in USD | 3,129m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2019-04-17 |
PLMR Stock Ratings
| Growth Rating | 48.9% |
| Fundamental | 84.9% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 0.73% |
| Analyst Rating | 4.13 of 5 |
PLMR Dividends
Currently no dividends paidPLMR Growth Ratios
| Growth Correlation 3m | -88.7% |
| Growth Correlation 12m | 73.9% |
| Growth Correlation 5y | 33.4% |
| CAGR 5y | 9.75% |
| CAGR/Max DD 3y | 0.18 |
| CAGR/Mean DD 3y | 0.47 |
| Sharpe Ratio 12m | 0.52 |
| Alpha | 0.00 |
| Beta | 0.000 |
| Volatility | 41.57% |
| Current Volume | 325.4k |
| Average Volume 20d | 233.8k |
| Stop Loss | 110.3 (-3.7%) |
| Signal | -0.21 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (154.9m TTM) > 0 and > 6% of Revenue (6% = 40.9m TTM) |
| FCFTA 0.13 (>2.0%) and ΔFCFTA -0.79pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 175.1% (prev 35.77%; Δ 139.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.13 (>3.0%) and CFO 381.0m > Net Income 154.9m (YES >=105%, WARN >=100%) |
| Net Debt (-81.3m) to EBITDA (196.6m) ratio: -0.41 <= 3.0 (WARN <= 3.5) |
| Current Ratio 119.5k (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (27.6m) change vs 12m ago 7.62% (target <= -2.0% for YES) |
| Gross Margin 49.78% (prev 86.79%; Δ -37.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 32.76% (prev 33.52%; Δ -0.76pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 559.0 (EBITDA TTM 196.6m / Interest Expense TTM 344.0k) >= 6 (WARN >= 3) |
Altman Z'' 3.97
| (A) 0.42 = (Total Current Assets 1.19b - Total Current Liabilities 10.0k) / Total Assets 2.83b |
| (B) 0.12 = Retained Earnings (Balance) 351.7m / Total Assets 2.83b |
| (C) 0.09 = EBIT TTM 192.3m / Avg Total Assets 2.08b |
| (D) 0.17 = Book Value of Equity 338.0m / Total Liabilities 1.99b |
| Total Rating: 3.97 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 84.94
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 9.53% = 4.76 |
| 3. FCF Margin 54.76% = 7.50 |
| 4. Debt/Equity 2.34 = 0.25 |
| 5. Debt/Ebitda 10.10 = -2.50 |
| 6. ROIC - WACC (= 15.80)% = 12.50 |
| 7. RoE 20.18% = 1.68 |
| 8. Rev. Trend 97.54% = 7.32 |
| 9. EPS Trend 88.63% = 4.43 |
What is the price of PLMR shares?
Over the past week, the price has changed by -5.36%, over one month by -4.97%, over three months by -29.43% and over the past year by +19.59%.
Is Palomar Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PLMR is around 101.88 USD . This means that PLMR is currently overvalued and has a potential downside of -11.05%.
Is PLMR a buy, sell or hold?
- Strong Buy: 3
- Buy: 3
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PLMR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 165.3 | 44.3% |
| Analysts Target Price | 165.3 | 44.3% |
| ValueRay Target Price | 111 | -3.1% |
Last update: 2025-09-16 04:39
PLMR Fundamental Data Overview
CCE Cash And Equivalents = 1.19b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 20.5704
P/S = 4.5872
P/B = 3.6938
Beta = 0.341
Revenue TTM = 682.1m USD
EBIT TTM = 192.3m USD
EBITDA TTM = 196.6m USD
Long Term Debt = 1.99b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 10.0k USD (from totalCurrentLiabilities, last quarter)
Debt = 1.99b USD (Calculated: Short Term 10.0k + Long Term 1.99b)
Net Debt = -81.3m USD (from netDebt column, last quarter)
Enterprise Value = 3.92b USD (3.13b + Debt 1.99b - CCE 1.19b)
Interest Coverage Ratio = 559.0 (Ebit TTM 192.3m / Interest Expense TTM 344.0k)
FCF Yield = 9.53% (FCF TTM 373.5m / Enterprise Value 3.92b)
FCF Margin = 54.76% (FCF TTM 373.5m / Revenue TTM 682.1m)
Net Margin = 22.71% (Net Income TTM 154.9m / Revenue TTM 682.1m)
Gross Margin = 49.78% ((Revenue TTM 682.1m - Cost of Revenue TTM 342.6m) / Revenue TTM)
Tobins Q-Ratio = 11.60 (Enterprise Value 3.92b / Book Value Of Equity 338.0m)
Interest Expense / Debt = 0.00% (Interest Expense 86.0k / Debt 1.99b)
Taxrate = 22.24% (33.6m / 151.2m)
NOPAT = 149.5m (EBIT 192.3m * (1 - 22.24%))
Current Ratio = 119.5k (Total Current Assets 1.19b / Total Current Liabilities 10.0k)
Debt / Equity = 2.34 (Debt 1.99b / last Quarter total Stockholder Equity 847.2m)
Debt / EBITDA = 10.10 (Net Debt -81.3m / EBITDA 196.6m)
Debt / FCF = 5.31 (Debt 1.99b / FCF TTM 373.5m)
Total Stockholder Equity = 767.5m (last 4 quarters mean)
RoA = 5.47% (Net Income 154.9m, Total Assets 2.83b )
RoE = 20.18% (Net Income TTM 154.9m / Total Stockholder Equity 767.5m)
RoCE = 6.99% (Ebit 192.3m / (Equity 767.5m + L.T.Debt 1.99b))
RoIC = 19.48% (NOPAT 149.5m / Invested Capital 767.5m)
WACC = 3.68% (E(3.13b)/V(5.11b) * Re(6.02%)) + (D(1.99b)/V(5.11b) * Rd(0.00%) * (1-Tc(0.22)))
Shares Correlation 3-Years: 45.45 | Cagr: 0.61%
Discount Rate = 6.02% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈298.5m ; Y1≈368.3m ; Y5≈628.3m
Fair Price DCF = 399.0 (DCF Value 10.69b / Shares Outstanding 26.8m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 88.63 | EPS CAGR: 92.65% | SUE: 0.98 | # QB: 8
Revenue Correlation: 97.54 | Revenue CAGR: 39.94%
Additional Sources for PLMR Stock
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Fund Manager Positions: Dataroma | Stockcircle