(PLMR) Palomar Holdings - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US69753M1053
Stock:
Total Rating 49
Risk 99
Buy Signal 0.01
| Risk 5d forecast | |
|---|---|
| Volatility | 37.4% |
| Relative Tail Risk | -8.67% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.01 |
| Alpha | -10.88 |
| Character TTM | |
|---|---|
| Beta | 0.325 |
| Beta Downside | 0.236 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.44% |
| CAGR/Max DD | 0.75 |
EPS (Earnings per Share)
Revenue
Description: PLMR Palomar Holdings
Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as inland marine, Hawaii hurricane, excess national property, residential flood, and other property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, program administrators, wholesale brokers, and strategic partnerships. The company was formerly known as GC Palomar Holdings and changed its name to Palomar Holdings, Inc. The company was incorporated in 2013 and is headquartered in La Jolla, California.
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 04, 2026, the stock is trading at USD 124.85 with a total of 120,898 shares traded.
Over the past week, the price has changed by +3.23%, over one month by +2.43%, over three months by +5.82% and over the past year by -2.61%.
Over the past week, the price has changed by +3.23%, over one month by +2.43%, over three months by +5.82% and over the past year by -2.61%.
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 | 32.7% |
| Analysts Target Price | 165.7 | 32.7% |
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 = 7.10% (E(3.36b)/V(3.36b) * Re(7.11%) + D(7.09m)/V(3.36b) * Rd(1.23%) * (1-Tc(0.23)))
Discount Rate = 7.11% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 3.98%
[DCF] Terminal Value 84.26% ; FCFF base≈345.6m ; Y1≈426.3m ; Y5≈726.0m
[DCF] Fair Price = 569.4 (EV 14.99b - Net Debt -106.9m = Equity 15.10b / Shares 26.5m; r=7.10% [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 = 7.10% (E(3.36b)/V(3.36b) * Re(7.11%) + D(7.09m)/V(3.36b) * Rd(1.23%) * (1-Tc(0.23)))
Discount Rate = 7.11% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 3.98%
[DCF] Terminal Value 84.26% ; FCFF base≈345.6m ; Y1≈426.3m ; Y5≈726.0m
[DCF] Fair Price = 569.4 (EV 14.99b - Net Debt -106.9m = Equity 15.10b / Shares 26.5m; r=7.10% [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%)