Overview Dividends

(PLMR) Palomar Holdings - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US69753M1053

Earthquake, Hurricane, Flood, Crop, Reinsurance

PLMR EPS (Earnings per Share)

EPS (Earnings per Share) of PLMR over the last years for every Quarter: "2020-09": -0.6, "2020-12": -0.05, "2021-03": 0.73, "2021-06": 0.51, "2021-09": 0.07, "2021-12": 0.74, "2022-03": 0.68, "2022-06": 0.73, "2022-09": 0.29, "2022-12": 0.82, "2023-03": 0.8, "2023-06": 0.86, "2023-09": 0.92, "2023-12": 1.11, "2024-03": 1.09, "2024-06": 1.25, "2024-09": 1.23, "2024-12": 1.52, "2025-03": 1.57, "2025-06": 1.76, "2025-09": 2.01,
EPS Growth (3Y CAGR): 38.55%
EPS Trend (3Y Correlation): 98.5%

PLMR Revenue

Revenue of PLMR over the last years for every Quarter: 2020-09: 44.998, 2020-12: 42.296, 2021-03: 49.244, 2021-06: 57.715, 2021-09: 67.661, 2021-12: 73.171, 2022-03: 78.11, 2022-06: 79.66, 2022-09: 80.692, 2022-12: 88.625, 2023-03: 89.202, 2023-06: 90.396, 2023-09: 91.012, 2023-12: 105.394, 2024-03: 118.535, 2024-06: 131.314, 2024-09: 148.355, 2024-12: 155.64, 2025-03: 174.633, 2025-06: 201.025, 2025-09: 244.659,
Revenue Growth (3Y CAGR): 44.67%
Revenue Trend (3Y Correlation): 97.7%
Risk via 10d forecast
Volatility 37.8%
Value at Risk 5%th 55.9%
Reward
Sharpe Ratio 0.75
Alpha Jensen 22.40
Character
Hurst Exponent 0.429
Beta 0.500
Drawdowns 3y
Max DD 37.44%
Mean DD 12.07%

Description: PLMR Palomar Holdings November 08, 2025

Palomar Holdings, Inc. (NASDAQ: PLMR) is a U.S.-based specialty insurer that underwrites property and casualty coverage for individuals and businesses, focusing on niche lines such as residential and commercial earthquake, inland marine, Hawaii hurricane, flood, and crop insurance, as well as assumed reinsurance and fronting arrangements.

Key operational metrics (as of the most recent FY 2023 filing) show a written premium base of roughly $1.1 billion, a combined ratio of 92.5% (indicating underwriting profitability), and a net income margin near 3.8%, reflecting modest but positive earnings despite a volatile natural-catastrophe environment.

Sector drivers that materially affect Palomar’s performance include the frequency and severity of extreme weather events (which elevate loss exposure for hurricane and flood lines), interest-rate trends that influence investment income on the insurer’s float, and the broader reinsurance market capacity that determines pricing and ceding opportunities for assumed-risk products.

For a deeper, data-rich assessment of PLMR’s valuation and risk profile, consider exploring the analytics available on ValueRay, where you can benchmark its fundamentals against peers and historical trends.

PLMR Stock Overview

Market Cap in USD 3,393m
Sub-Industry Property & Casualty Insurance
IPO / Inception 2019-04-17
Return 12m vs S&P 500 13.5%
Analyst Rating 4.13 of 5

PLMR Dividends

Currently no dividends paid

PLMR Growth Ratios

CAGR 26.92%
CAGR/Max DD Calmar Ratio 0.72
CAGR/Mean DD Pain Ratio 2.23
Current Volume 325.3k
Average Volume 221.6k

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (175.9m TTM) > 0 and > 6% of Revenue (6% = 46.6m TTM)
FCFTA 0.13 (>2.0%) and ΔFCFTA 4.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 161.3% (prev 40.16%; Δ 121.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.13 (>3.0%) and CFO 381.0m > Net Income 175.9m (YES >=105%, WARN >=100%)
Net Debt (-111.7m) to EBITDA (226.1m) ratio: -0.49 <= 3.0 (WARN <= 3.5)
Current Ratio 716.5 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (27.5m) change vs 12m ago 3.98% (target <= -2.0% for YES)
Gross Margin 42.81% (prev 49.65%; Δ -6.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 29.73% (prev 22.13%; Δ 7.61pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 579.7 (EBITDA TTM 226.1m / Interest Expense TTM 390.0k) >= 6 (WARN >= 3)

Altman Z'' 3.96

(A) 0.43 = (Total Current Assets 1.25b - Total Current Liabilities 1.75m) / Total Assets 2.94b
(B) 0.12 = Retained Earnings (Balance) 365.8m / Total Assets 2.94b
(C) 0.09 = EBIT TTM 226.1m / Avg Total Assets 2.61b
(D) 0.18 = Book Value of Equity 361.8m / Total Liabilities 2.07b
Total Rating: 3.96 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 91.56

1. Piotroski 5.0pt = 0.0
2. FCF Yield 17.46% = 5.0
3. FCF Margin 48.14% = 7.50
4. Debt/Equity data missing
5. Debt/Ebitda -0.49 = 2.50
6. ROIC - WACC (= 14.10)% = 12.50
7. RoE 21.68% = 1.81
8. Rev. Trend 97.67% = 7.33
9. EPS Trend 98.51% = 4.93

What is the price of PLMR shares?

As of November 13, 2025, the stock is trading at USD 132.45 with a total of 325,254 shares traded.
Over the past week, the price has changed by +13.49%, over one month by +12.11%, over three months by +7.64% and over the past year by +31.54%.

Is Palomar Holdings a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Palomar Holdings (NASDAQ:PLMR) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 91.56 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PLMR is around 133.41 USD . This means that PLMR is currently overvalued and has a potential downside of 0.72%.

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.
  • 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 157.2 18.7%
Analysts Target Price 157.2 18.7%
ValueRay Target Price 147.9 11.7%

PLMR Fundamental Data Overview November 10, 2025

Market Cap USD = 3.39b (3.39b USD * 1.0 USD.USD)
P/E Trailing = 19.947
P/S = 4.359
P/B = 3.5512
Beta = 0.5
Revenue TTM = 776.0m USD
EBIT TTM = 226.1m USD
EBITDA TTM = 226.1m USD
Long Term Debt = unknown (none)
Short Term Debt = 1.05m USD (from shortTermDebt, last fiscal year)
Debt = unknown
Net Debt = -111.7m USD (from netDebt column, last quarter)
Enterprise Value = 2.14b USD (3.39b + (null Debt) - CCE 1.25b)
Interest Coverage Ratio = 579.7 (Ebit TTM 226.1m / Interest Expense TTM 390.0k)
FCF Yield = 17.46% (FCF TTM 373.5m / Enterprise Value 2.14b)
FCF Margin = 48.14% (FCF TTM 373.5m / Revenue TTM 776.0m)
Net Margin = 22.66% (Net Income TTM 175.9m / Revenue TTM 776.0m)
Gross Margin = 42.81% ((Revenue TTM 776.0m - Cost of Revenue TTM 443.8m) / Revenue TTM)
Gross Margin QoQ = 25.20% (prev 51.34%)
Tobins Q-Ratio = 0.73 (Enterprise Value 2.14b / Total Assets 2.94b)
Interest Expense / Debt = unknown (Interest Expense 133.0k / Debt none)
Taxrate = 23.36% (15.7m / 67.1m)
NOPAT = 173.3m (EBIT 226.1m * (1 - 23.36%))
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 = -0.49 (Net Debt -111.7m / EBITDA 226.1m)
Debt / FCF = -0.30 (Net Debt -111.7m / FCF TTM 373.5m)
Total Stockholder Equity = 811.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.97% (Net Income 175.9m / Total Assets 2.94b)
RoE = 21.68% (Net Income TTM 175.9m / Total Stockholder Equity 811.2m)
RoCE = 7.69% (EBIT 226.1m / Capital Employed (Total Assets 2.94b - Current Liab 1.75m))
RoIC = 21.96% (NOPAT 173.3m / Invested Capital 788.9m)
WACC = 7.86% (E(3.39b)/V(3.39b) * Re(7.86%) + (debt-free company))
Discount Rate = 7.86% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 4.38%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈298.5m ; Y1≈368.3m ; Y5≈628.3m
Fair Price DCF = 403.4 (DCF Value 10.69b / Shares Outstanding 26.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 98.51 | EPS CAGR: 38.55% | SUE: 4.0 | # QB: 9
Revenue Correlation: 97.67 | Revenue CAGR: 44.67% | SUE: 0.22 | # QB: 0

Additional Sources for PLMR Stock

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Fund Manager Positions: Dataroma | Stockcircle