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

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 Corr): 98.5%
Last SUE: 4.00σ
Qual. Beats: 9

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: 244.66,
Revenue Growth (3y CAGR): 44.67%
Revenue Trend (3y Corr): 97.7%
Last SUE: 0.22σ
Qual. Beats: 0
Risk via 10d forecast
Volatility 37.2%
Value at Risk 5%th 55.1%
Relative Tail Risk -9.99%
Reward TTM
Sharpe Ratio 0.46
Alpha 8.96
Character TTM
Hurst Exponent 0.360
Beta 0.764
Beta Downside 0.602
Drawdowns 3y
Max DD 37.44%
Mean DD 10.82%
Median DD 6.93%

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 3,472m
Sub-Industry Property & Casualty Insurance
IPO / Inception 2019-04-17
Return 12m vs S&P 500 3.08%
Analyst Rating 4.13 of 5

PLMR Dividends

Currently no dividends paid

PLMR Growth Ratios

Metric Value
CAGR 3y 27.47%
CAGR/Max DD Calmar Ratio 0.73
CAGR/Mean DD Pain Ratio 2.54
Current Volume 222.6k
Average Volume 222.6k

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (175.9m TTM) > 0 and > 6% of Revenue (6% = 46.6m TTM)
FCFTA 0.12 (>2.0%) and ΔFCFTA 3.16pp (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 0.12 (>3.0%) and CFO 364.3m > Net Income 175.9m (YES >=105%, WARN >=100%)
Net Debt (-111.7m) to EBITDA (226.8m) 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 49.76% (prev 49.65%; Δ 0.11pp) >=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 226.8m / 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) 92.06

1. Piotroski 5.50pt = 0.50
2. FCF Yield 16.15% = 5.0
3. FCF Margin 46.18% = 7.50
4. Debt/Equity data missing
5. Debt/Ebitda -0.49 = 2.50
6. ROIC - WACC (= 12.53)% = 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 20, 2025, the stock is trading at USD 125.50 with a total of 222,570 shares traded.
Over the past week, the price has changed by -5.25%, over one month by +9.01%, over three months by +3.84% and over the past year by +17.11%.

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 160 27.5%
Analysts Target Price 160 27.5%
ValueRay Target Price 139.2 10.9%

PLMR Fundamental Data Overview November 20, 2025

Market Cap USD = 3.47b (3.47b USD * 1.0 USD.USD)
P/E Trailing = 20.065
P/S = 4.4602
P/B = 3.8741
Beta = 0.5
Revenue TTM = 776.0m USD
EBIT TTM = 226.1m USD
EBITDA TTM = 226.8m 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 = 2.22b USD (3.47b + (null Debt) - CCE 1.25b)
Interest Coverage Ratio = 579.7 (Ebit TTM 226.1m / Interest Expense TTM 390.0k)
FCF Yield = 16.15% (FCF TTM 358.3m / Enterprise Value 2.22b)
FCF Margin = 46.18% (FCF TTM 358.3m / Revenue TTM 776.0m)
Net Margin = 22.66% (Net Income TTM 175.9m / Revenue TTM 776.0m)
Gross Margin = 49.76% ((Revenue TTM 776.0m - Cost of Revenue TTM 389.9m) / Revenue TTM)
Gross Margin QoQ = 47.24% (prev 51.34%)
Tobins Q-Ratio = 0.75 (Enterprise Value 2.22b / 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 226.8m)
Debt / FCF = -0.31 (Net Debt -111.7m / FCF TTM 358.3m)
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 = 21.36% (NOPAT 173.3m / Invested Capital 811.2m)
WACC = 8.83% (E(3.47b)/V(3.47b) * Re(8.83%) + (debt-free company))
Discount Rate = 8.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.38%
[DCF Debug] Terminal Value 78.93% ; FCFE base≈297.0m ; Y1≈366.4m ; Y5≈625.1m
Fair Price DCF = 345.9 (DCF Value 9.17b / 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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