Palomar Holdings, Inc. (PLMR)

NMS – Real Time Price. Currency in USD

129.49

-2.21 (-1.67%)

Market open: Aug 12, 2026, 1:37 PM EDT

133.08

+1.39 (1.06%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 131.5$
Day's range: 128.65 - 131.57$
52-week range: 100.81 - 147.62$
Volume: 190 957
Average volume: 283 628
Beta: -0.4
EPS (TTM): 7.66
PE ratio (TTM): 17.66
Forward P/E: 13.15
Market cap: 3 460 775 469
Shares outstanding: 26 317 684
Dividend yield: N/A
Next earnings date: 2026-11-04
Sector: Financials
Industry: Insurance - Property & Casualty

About the company

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 proper... read more

CEO: D. Armstrong
Country: United States
IPO Date: 2019-04-17
Employees: 439
Fiscal Year End: January - December
Website: https://plmr.com

Revenue Breakdown

Earthquake / 28.17%

Casualty / 26.77%

Inland Marine and Other Property / 22.00%

News

No Data

There are no news for this stock.

Chart: PLMR

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Overall Score

5.6 / 1056%

Octagon View

Strength & Weakness

Total debt $295.8M significantly exceeds cash reserves ($62.7M), raising financial stability concerns

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.3) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $166.8M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.20	3.60	7.0
Quick ratio	N/A	2.01	1.0
Debt to Equity	0.30	0.13	8.0
Debt to Assets	0.10	0.07	9.0
Interest coverage	N/A	18.18	10
Weighted average score			7.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	327M	377M	553M	876M	1.09B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	68M	108M	152M	254M	271M
Net Income	52M	79M	118M	197M	203M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	27.33	1.0
Operating margin %	23.77	0.12	9.0
Net margin %	16.73	9.64	10
EBITDA margin %	N/A	13.17	1.0
Cash flow margin %	53.17	9.67	10
Weighted average score			6.2

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	9.23	2.97	8.0
ROE	22.64	10.85	10
ROIC	21.01	9.58	10
ROCE	N/A	7.53	1.0
Weighted average score			7.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	26.36	33.99	10
Next quarter	24.98	23.3	10
Current year	29.74	26.71	10
Next year	21.66	12.05	8.5
Weighted average score			9.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	12.72	22.46	2.16	254.61	7.8
Y/Y	54.65	13.03	34.09	37.99	9.5
3y average	40.11	55.96	41.86	51.3	10
5y average	39.89	162.88	129.28	62.21	10
Weighted average score					9.3

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	17.59	86.06	7.6
PEG (5yr expected)	N/A	1.10	1.0
P/S	3.27	1.28	2.8
P/B	3.51	2.12	3.2
Weighted average score			3.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR48.66%

FCF 5 year CAGR4

Fair value1252.23$

Stock price131.5$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$1252.23

UndervaluedStock priceOvervalued

$131.5

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

D. Armstrong

Country

United States

IPO Date

2019-04-17

Employees

439

Fiscal Year End

January - December

Website

https://plmr.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.20

3.60

7.0

Quick ratio

N/A

2.01

1.0

Debt to Equity

0.30

0.13

8.0

Debt to Assets

0.10

0.07

9.0

Interest coverage

N/A

18.18

Weighted average score

7.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

327M

377M

553M

876M

1.09B

Gross Profit

N/A

Operating Income

68M

108M

152M

254M

271M

Net Income

52M

79M

118M

197M

203M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

27.33

1.0

Operating margin %

23.77

0.12

9.0

Net margin %

16.73

9.64

EBITDA margin %

N/A

13.17

1.0

Cash flow margin %

53.17

9.67

Weighted average score

6.2

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

9.23

2.97

8.0

ROE

22.64

10.85

ROIC

21.01

9.58

ROCE

N/A

7.53

1.0

Weighted average score

7.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

26.36

33.99

Next quarter

24.98

23.3

Current year

29.74

26.71

Next year

21.66

12.05

8.5

Weighted average score

9.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

12.72

22.46

2.16

254.61

7.8

Y/Y

54.65

13.03

34.09

37.99

9.5

3y average

40.11

55.96

41.86

51.3

5y average

39.89

162.88

129.28

62.21

Weighted average score

9.3

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

17.59

86.06

7.6

PEG (5yr expected)

N/A

1.10

1.0

P/S

3.27

1.28

2.8

P/B

3.51

2.12

3.2

Weighted average score

3.7

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Palomar Holdings, Inc. (PLMR)

Stock details

About the company

Revenue Breakdown

News

Chart: PLMR

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1252.23

$131.5

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: PLMR

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$1252.23

$131.5

Economic Moat