(PLMR) Palomar Holdings - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US69753M1053
Stock: Earthquake Insurance, Flood Insurance, Property Insurance, Reinsurance
Total Rating 52
Risk 92
Buy Signal 0.23
| Risk 5d forecast | |
|---|---|
| Volatility | 37.2% |
| Relative Tail Risk | -8.56% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.12 |
| Alpha | -4.26 |
| Character TTM | |
|---|---|
| Beta | -0.084 |
| Beta Downside | -0.547 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.44% |
| CAGR/Max DD | 0.86 |
EPS (Earnings per Share)
Revenue
Description: PLMR Palomar Holdings March 05, 2026
Palomar Holdings, Inc. (PLMR) is a U.S.-based specialty insurance company.
They provide property and casualty insurance to individuals and businesses. This sector is characterized by managing diverse risks such as natural disasters and property damage.
Their product offerings include residential and commercial earthquake insurance, which is a specialized niche due to the infrequent but high-impact nature of these events. They also offer fronting, inland marine, Hawaii hurricane, excess national property, residential flood, assumed reinsurance, and crop insurance.
Palomar distributes its products through multiple channels: retail agents, program administrators, wholesale brokers, and strategic partnerships. This multi-channel approach is common in the insurance industry to reach a broad customer base.
The company was founded in 2013 and is headquartered in La Jolla, California.
For more detailed financial analysis and performance metrics, consider exploring ValueRay.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 197.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.40 > 0.02 and ΔFCF/TA 28.39 > 1.0 |
| NWC/Revenue: 18.32% < 20% (prev -177.4%; Δ 195.7% < -1%) |
| CFO/TA 0.40 > 3% & CFO 409.1m > Net Income 197.1m |
| Net Debt (-106.9m) to EBITDA (264.8m): -0.40 < 3 |
| Current Ratio: 92.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (27.3m) vs 12m ago 0.43% < -2% |
| Gross Margin: 56.17% > 18% (prev 0.49%; Δ 5568 % > 0.5%) |
| Asset Turnover: 53.20% > 50% (prev 24.48%; Δ 28.72% > 0%) |
| Interest Coverage Ratio: 649.1 > 6 (EBITDA TTM 264.8m / Interest Expense TTM 391.0k) |
Altman Z'' 3.76
| A: 0.16 (Total Current Assets 161.8m - Total Current Liabilities 1.75m) / Total Assets 1.02b |
| B: 0.41 (Retained Earnings 422.0m / Total Assets 1.02b) |
| C: 0.15 (EBIT TTM 253.8m / Avg Total Assets 1.64b) |
| D: 0.33 (Book Value of Equity 419.5m / Total Liabilities 1.28b) |
| Altman-Z'' Score: 3.76 = AA |
Beneish M -3.37
| DSRI: 0.41 (Receivables 452.9m/700.9m, Revenue 873.7m/553.8m) |
| GMI: 0.87 (GM 56.17% / 48.65%) |
| AQI: 1.11 (AQ_t 0.84 / AQ_t-1 0.76) |
| SGI: 1.58 (Revenue 873.7m / 553.8m) |
| TATA: -0.21 (NI 197.1m - CFO 409.1m) / TA 1.02b) |
| Beneish M-Score: -3.37 (Cap -4..+1) = AA |
What is the price of PLMR shares?
As of March 07, 2026, the stock is trading at USD 127.32 with a total of 183,650 shares traded.
Over the past week, the price has changed by +2.92%, over one month by -0.24%, over three months by +10.30% and over the past year by +1.58%.
Over the past week, the price has changed by +2.92%, over one month by -0.24%, over three months by +10.30% and over the past year by +1.58%.
Is PLMR a buy, sell or hold?
Palomar Holdings has received a consensus analysts rating of 4.13.
Therefore, it is recommended to buy PLMR.
- StrongBuy: 3
- Buy: 3
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PLMR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 165.7 | 30.1% |
| Analysts Target Price | 165.7 | 30.1% |
PLMR Fundamental Data Overview March 04, 2026
P/E Trailing = 17.6569
P/S = 3.8329
P/B = 3.4773
Revenue TTM = 873.7m USD
EBIT TTM = 253.8m USD
EBITDA TTM = 264.8m USD
Long Term Debt = 6.16m USD (estimated: total debt 7.09m - short term 927.0k)
Short Term Debt = 927.0k USD (from shortTermDebt, last quarter)
Debt = 7.09m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -106.9m USD (from netDebt column, last quarter)
Enterprise Value = 3.20b USD (3.36b + Debt 7.09m - CCE 161.8m)
Interest Coverage Ratio = 649.1 (Ebit TTM 253.8m / Interest Expense TTM 391.0k)
EV/FCF = 7.90x (Enterprise Value 3.20b / FCF TTM 405.6m)
FCF Yield = 12.66% (FCF TTM 405.6m / Enterprise Value 3.20b)
FCF Margin = 46.43% (FCF TTM 405.6m / Revenue TTM 873.7m)
Net Margin = 22.56% (Net Income TTM 197.1m / Revenue TTM 873.7m)
Gross Margin = 56.17% ((Revenue TTM 873.7m - Cost of Revenue TTM 382.9m) / Revenue TTM)
Gross Margin QoQ = 72.03% (prev 47.24%)
Tobins Q-Ratio = 3.13 (Enterprise Value 3.20b / Total Assets 1.02b)
Interest Expense / Debt = 1.23% (Interest Expense 87.0k / Debt 7.09m)
Taxrate = 22.70% (16.5m / 72.7m)
NOPAT = 196.2m (EBIT 253.8m * (1 - 22.70%))
Current Ratio = 92.53 (Total Current Assets 161.8m / Total Current Liabilities 1.75m)
Debt / Equity = 0.01 (Debt 7.09m / totalStockholderEquity, last quarter 942.7m)
Debt / EBITDA = -0.40 (Net Debt -106.9m / EBITDA 264.8m)
Debt / FCF = -0.26 (Net Debt -106.9m / FCF TTM 405.6m)
Total Stockholder Equity = 864.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 12.00% (Net Income 197.1m / Total Assets 1.02b)
RoE = 22.79% (Net Income TTM 197.1m / Total Stockholder Equity 864.6m)
RoCE = 29.14% (EBIT 253.8m / Capital Employed (Equity 864.6m + L.T.Debt 6.16m))
RoIC = 23.39% (NOPAT 196.2m / Invested Capital 838.6m)
WACC = 5.59% (E(3.36b)/V(3.36b) * Re(5.60%) + D(7.09m)/V(3.36b) * Rd(1.23%) * (1-Tc(0.23)))
Discount Rate = 5.60% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 3.98%
[DCF] Terminal Value 88.43% ; FCFF base≈345.6m ; Y1≈426.3m ; Y5≈726.0m
[DCF] Fair Price = 801.1 (EV 21.14b - Net Debt -106.9m = Equity 21.25b / Shares 26.5m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 89.05 | EPS CAGR: 37.42% | SUE: 1.46 | # QB: 10
Revenue Correlation: 97.54 | Revenue CAGR: 36.86% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.16 | Chg7d=-0.019 | Chg30d=+0.114 | Revisions Net=+6 | Analysts=7
EPS current Year (2026-12-31): EPS=9.57 | Chg7d=+0.004 | Chg30d=+0.908 | Revisions Net=+6 | Growth EPS=+21.8% | Growth Revenue=+37.0%
EPS next Year (2027-12-31): EPS=11.03 | Chg7d=+0.236 | Chg30d=+1.194 | Revisions Net=+4 | Growth EPS=+15.2% | Growth Revenue=+22.4%
[Analyst] Revisions Ratio: +1.00 (6 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.3% (Discount Rate 7.9% - Earnings Yield 5.7%)
[Growth] Growth Spread = +39.3% (Analyst 41.6% - Implied 2.3%)
P/S = 3.8329
P/B = 3.4773
Revenue TTM = 873.7m USD
EBIT TTM = 253.8m USD
EBITDA TTM = 264.8m USD
Long Term Debt = 6.16m USD (estimated: total debt 7.09m - short term 927.0k)
Short Term Debt = 927.0k USD (from shortTermDebt, last quarter)
Debt = 7.09m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -106.9m USD (from netDebt column, last quarter)
Enterprise Value = 3.20b USD (3.36b + Debt 7.09m - CCE 161.8m)
Interest Coverage Ratio = 649.1 (Ebit TTM 253.8m / Interest Expense TTM 391.0k)
EV/FCF = 7.90x (Enterprise Value 3.20b / FCF TTM 405.6m)
FCF Yield = 12.66% (FCF TTM 405.6m / Enterprise Value 3.20b)
FCF Margin = 46.43% (FCF TTM 405.6m / Revenue TTM 873.7m)
Net Margin = 22.56% (Net Income TTM 197.1m / Revenue TTM 873.7m)
Gross Margin = 56.17% ((Revenue TTM 873.7m - Cost of Revenue TTM 382.9m) / Revenue TTM)
Gross Margin QoQ = 72.03% (prev 47.24%)
Tobins Q-Ratio = 3.13 (Enterprise Value 3.20b / Total Assets 1.02b)
Interest Expense / Debt = 1.23% (Interest Expense 87.0k / Debt 7.09m)
Taxrate = 22.70% (16.5m / 72.7m)
NOPAT = 196.2m (EBIT 253.8m * (1 - 22.70%))
Current Ratio = 92.53 (Total Current Assets 161.8m / Total Current Liabilities 1.75m)
Debt / Equity = 0.01 (Debt 7.09m / totalStockholderEquity, last quarter 942.7m)
Debt / EBITDA = -0.40 (Net Debt -106.9m / EBITDA 264.8m)
Debt / FCF = -0.26 (Net Debt -106.9m / FCF TTM 405.6m)
Total Stockholder Equity = 864.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 12.00% (Net Income 197.1m / Total Assets 1.02b)
RoE = 22.79% (Net Income TTM 197.1m / Total Stockholder Equity 864.6m)
RoCE = 29.14% (EBIT 253.8m / Capital Employed (Equity 864.6m + L.T.Debt 6.16m))
RoIC = 23.39% (NOPAT 196.2m / Invested Capital 838.6m)
WACC = 5.59% (E(3.36b)/V(3.36b) * Re(5.60%) + D(7.09m)/V(3.36b) * Rd(1.23%) * (1-Tc(0.23)))
Discount Rate = 5.60% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 3.98%
[DCF] Terminal Value 88.43% ; FCFF base≈345.6m ; Y1≈426.3m ; Y5≈726.0m
[DCF] Fair Price = 801.1 (EV 21.14b - Net Debt -106.9m = Equity 21.25b / Shares 26.5m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 89.05 | EPS CAGR: 37.42% | SUE: 1.46 | # QB: 10
Revenue Correlation: 97.54 | Revenue CAGR: 36.86% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.16 | Chg7d=-0.019 | Chg30d=+0.114 | Revisions Net=+6 | Analysts=7
EPS current Year (2026-12-31): EPS=9.57 | Chg7d=+0.004 | Chg30d=+0.908 | Revisions Net=+6 | Growth EPS=+21.8% | Growth Revenue=+37.0%
EPS next Year (2027-12-31): EPS=11.03 | Chg7d=+0.236 | Chg30d=+1.194 | Revisions Net=+4 | Growth EPS=+15.2% | Growth Revenue=+22.4%
[Analyst] Revisions Ratio: +1.00 (6 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.3% (Discount Rate 7.9% - Earnings Yield 5.7%)
[Growth] Growth Spread = +39.3% (Analyst 41.6% - Implied 2.3%)