(PLMR) Palomar Holdings - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US69753M1053
Stock:
Total Rating 42
Risk 86
Buy Signal -0.55
| Risk 5d forecast | |
|---|---|
| Volatility | 37.2% |
| Relative Tail Risk | -8.62% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.01 |
| Alpha | -6.54 |
| Character TTM | |
|---|---|
| Beta | 0.340 |
| Beta Downside | 0.195 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.44% |
| CAGR/Max DD | 0.71 |
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, commercial all risk, excess national property, residential flood, and other miscellaneous property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, wholesale brokers, program administrators, and carrier 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) 5.0
| Net Income: 197.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 2.98 > 1.0 |
| NWC/Revenue: 143.2% < 20% (prev 45.40%; Δ 97.83% < -1%) |
| CFO/TA 0.12 > 3% & CFO 364.3m > Net Income 197.1m |
| Net Debt/EBITDA: error (cannot be calculated) |
| Current Ratio: 716.5 > 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: 33.57% > 50% (prev 24.48%; Δ 9.08% > 0%) |
| Interest Coverage Ratio: 463.0 > 6 (EBITDA TTM 254.5m / Interest Expense TTM 391.0k) |
Altman Z'' 3.66
| A: 0.43 (Total Current Assets 1.25b - Total Current Liabilities 1.75m) / Total Assets 2.94b |
| B: 0.12 (Retained Earnings 365.8m / Total Assets 2.94b) |
| C: 0.07 (EBIT TTM 181.0m / Avg Total Assets 2.60b) |
| D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 2.07b) |
| Altman-Z'' Score: 3.66 = AA |
Beneish M
| DSRI: none (Receivables none/700.9m, Revenue 873.7m/553.8m) |
| GMI: 0.87 (GM 56.17% / 48.65%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 1.58 (Revenue 873.7m / 553.8m) |
| TATA: -0.06 (NI 197.1m - CFO 364.3m) / TA 2.94b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of PLMR shares?
As of February 25, 2026, the stock is trading at USD 120.94 with a total of 361,342 shares traded.
Over the past week, the price has changed by -6.96%, over one month by -4.74%, over three months by -2.01% and over the past year by -2.94%.
Over the past week, the price has changed by -6.96%, over one month by -4.74%, over three months by -2.01% and over the past year by -2.94%.
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 | 164.8 | 36.3% |
| Analysts Target Price | 164.8 | 36.3% |
PLMR Fundamental Data Overview February 20, 2026
P/E Trailing = 17.2134
P/S = 3.7366
P/B = 3.7187
Revenue TTM = 873.7m USD
EBIT TTM = 181.0m USD
EBITDA TTM = 254.5m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 3.27b USD (3.27b + (null Debt) - (null CCE))
Interest Coverage Ratio = 463.0 (Ebit TTM 181.0m / Interest Expense TTM 391.0k)
EV/FCF = 9.13x (Enterprise Value 3.27b / FCF TTM 358.3m)
FCF Yield = 10.95% (FCF TTM 358.3m / Enterprise Value 3.27b)
FCF Margin = 41.01% (FCF TTM 358.3m / 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 = 1.11 (Enterprise Value 3.27b / Total Assets 2.94b)
Interest Expense / Debt = unknown (Interest Expense 87.0k / Debt none)
Taxrate = 22.70% (16.5m / 72.7m)
NOPAT = 139.9m (EBIT 181.0m * (1 - 22.70%))
Current Ratio = 716.5 (out of range, set to none) (Total Current Assets 1.25b / Total Current Liabilities 1.75m)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 254.5m)
Debt / FCF = unknown (Net Debt none / FCF TTM 358.3m)
Total Stockholder Equity = 811.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.57% (Net Income 197.1m / Total Assets 2.94b)
RoE = 24.29% (Net Income TTM 197.1m / Total Stockholder Equity 811.2m)
RoCE = 6.15% (EBIT 181.0m / Capital Employed (Total Assets 2.94b - Current Liab 1.75m))
RoIC = 16.69% (NOPAT 139.9m / Invested Capital 838.6m)
WACC = 7.17% (E(3.27b)/V(3.27b) * Re(7.17%) + (debt-free company))
Discount Rate = 7.17% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 3.98%
[DCF] Terminal Value 84.01% ; FCFF base≈298.2m ; Y1≈367.8m ; Y5≈626.4m
[DCF] Fair Price = 479.2 (EV 12.71b - Net Debt 0.0 = Equity 12.71b / Shares 26.5m; r=7.17% [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 (2026-03-31): EPS=2.28 | Chg30d=+0.180 | Revisions Net=+2 | Analysts=6
EPS current Year (2026-12-31): EPS=9.56 | Chg30d=+0.904 | Revisions Net=+4 | Growth EPS=+21.7% | Growth Revenue=+37.0%
EPS next Year (2027-12-31): EPS=10.79 | Chg30d=+0.959 | Revisions Net=+2 | Growth EPS=+12.8% | Growth Revenue=+22.4%
[Gordon] Analyst Rev G=49.5% | Discount Rate=7.9% | Earnings Yield=5.8% | Net Margin=22.6% | ROE=24.3% | Plowback=203.7% | Payout=-103.7%
[Gordon] Breakeven Revenue = 3.89b USD (current 873.7m)
[Gordon] Implied Growth Rate = 2.1% (Discount Rate 7.9% - Earnings Yield 5.8%)
[Gordon] Growth Spread = +47.3% (Analyst 49.5% - Implied 2.1%)
P/S = 3.7366
P/B = 3.7187
Revenue TTM = 873.7m USD
EBIT TTM = 181.0m USD
EBITDA TTM = 254.5m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 3.27b USD (3.27b + (null Debt) - (null CCE))
Interest Coverage Ratio = 463.0 (Ebit TTM 181.0m / Interest Expense TTM 391.0k)
EV/FCF = 9.13x (Enterprise Value 3.27b / FCF TTM 358.3m)
FCF Yield = 10.95% (FCF TTM 358.3m / Enterprise Value 3.27b)
FCF Margin = 41.01% (FCF TTM 358.3m / 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 = 1.11 (Enterprise Value 3.27b / Total Assets 2.94b)
Interest Expense / Debt = unknown (Interest Expense 87.0k / Debt none)
Taxrate = 22.70% (16.5m / 72.7m)
NOPAT = 139.9m (EBIT 181.0m * (1 - 22.70%))
Current Ratio = 716.5 (out of range, set to none) (Total Current Assets 1.25b / Total Current Liabilities 1.75m)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 254.5m)
Debt / FCF = unknown (Net Debt none / FCF TTM 358.3m)
Total Stockholder Equity = 811.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.57% (Net Income 197.1m / Total Assets 2.94b)
RoE = 24.29% (Net Income TTM 197.1m / Total Stockholder Equity 811.2m)
RoCE = 6.15% (EBIT 181.0m / Capital Employed (Total Assets 2.94b - Current Liab 1.75m))
RoIC = 16.69% (NOPAT 139.9m / Invested Capital 838.6m)
WACC = 7.17% (E(3.27b)/V(3.27b) * Re(7.17%) + (debt-free company))
Discount Rate = 7.17% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 3.98%
[DCF] Terminal Value 84.01% ; FCFF base≈298.2m ; Y1≈367.8m ; Y5≈626.4m
[DCF] Fair Price = 479.2 (EV 12.71b - Net Debt 0.0 = Equity 12.71b / Shares 26.5m; r=7.17% [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 (2026-03-31): EPS=2.28 | Chg30d=+0.180 | Revisions Net=+2 | Analysts=6
EPS current Year (2026-12-31): EPS=9.56 | Chg30d=+0.904 | Revisions Net=+4 | Growth EPS=+21.7% | Growth Revenue=+37.0%
EPS next Year (2027-12-31): EPS=10.79 | Chg30d=+0.959 | Revisions Net=+2 | Growth EPS=+12.8% | Growth Revenue=+22.4%
[Gordon] Analyst Rev G=49.5% | Discount Rate=7.9% | Earnings Yield=5.8% | Net Margin=22.6% | ROE=24.3% | Plowback=203.7% | Payout=-103.7%
[Gordon] Breakeven Revenue = 3.89b USD (current 873.7m)
[Gordon] Implied Growth Rate = 2.1% (Discount Rate 7.9% - Earnings Yield 5.8%)
[Gordon] Growth Spread = +47.3% (Analyst 49.5% - Implied 2.1%)