PLGO Stock Analysis: PLGO | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 2.074m USD | 12M Return: 62.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.42M
Qual. Beats: 1
Rev. Trend: -83.7%
Warnings
No concerns identified
Tailwinds
Seasonality 3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Pelagos Insurance Capital Limited (NYSE: PLGO) is a Bermuda-domiciled insurance and reinsurance provider operating across Bermuda, Ireland, and the United Kingdom. The company runs two segments: Insurance, covering specialty lines such as property, marine, aviation and aerospace, political risk, energy, and cyber, and Reinsurance, which offers property, retrocession, and whole account solutions. Incorporated in 2014 and headquartered in Pembroke, Bermuda, the company was formerly known as Fidelis Insurance Holdings Limited before adopting its current name in May 2026. Bermuda is a leading global hub for specialty insurance and reinsurance, known for its favorable regulatory environment and concentration of risk-bearing entities.
- Cat losses erode property underwriting margin and combined ratio
- Specialty rate softening pressures premium growth across Insurance segment
- Reinsurance pricing hardens supporting margin expansion in retrocession
| Net Income: 376.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.20 > 1.0 |
| NWC/Revenue: -169.5% < 20% (prev 61.33%; Δ -230.8% < -1%) |
| CFO/TA 0.03 > 3% & CFO 298.8m > Net Income 376.0m |
| Net Debt (-189.9m) to EBITDA (412.1m): -0.46 < 3 |
| Current Ratio: 0.60 > 1.5 & < 3 |
| Outstanding Shares: last quarter (93.6m) vs 12m ago -16.04% < -2% |
| Gross Margin: 38.96% > 18% (prev 25.55%; Δ 13.41% > 0.5%) |
| Asset Turnover: 18.13% > 50% (prev 19.41%; Δ -1.28% > 0%) |
| Interest Coverage Ratio: 7.99 > 6 (EBIT TTM 429.0m / Interest Expense TTM 53.7m) |
| A: -0.34 (Total Current Assets 5.50b - Total Current Liabilities 9.11b) / Total Assets 10.7b |
| B: 0.07 (Retained Earnings 770.8m / Total Assets 10.7b) |
| C: 0.04 (EBIT TTM 429.0m / Avg Total Assets 11.7b) |
| D: 0.27 (Book Value of Equity 2.25b / Total Liabilities 8.45b) |
| Altman-Z'' = -1.45 = CCC |
As of July 03, 2026, the stock is trading at USD 25.56 with a total of 249,663 shares traded. Over the past week, the price has changed by +7.53%, over one month by +19.70%, over three months by +34.39% and over the past year by +62.26%.
Current recommended Stop Loss: 24.70 (which is 3.4% or 1.3 ATR below the current price).
PLGO has no consensus analysts rating.
P/E Trailing = 6.6648
P/E Forward = 5.9488
P/S = 0.8457
P/B = 0.9017
Revenue TTM = 2.13b USD
EBIT TTM = 429.0m USD
EBITDA TTM = 412.1m USD
Long Term Debt = 843.5m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 872.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 28.5m
Net Debt = -189.9m USD (calculated: Debt 872.0m - CCE 1.06b)
Enterprise Value = 1.88b USD (2.07b + Debt 872.0m - CCE 1.06b)
Interest Coverage Ratio = 7.99 (Ebit TTM 429.0m / Interest Expense TTM 53.7m)
EV/FCF = 6.33x (Enterprise Value 1.88b / FCF TTM 297.5m)
FCF Yield = 15.79% (FCF TTM 297.5m / Enterprise Value 1.88b)
FCF Margin = 13.98% (FCF TTM 297.5m / Revenue TTM 2.13b)
Net Margin = 17.66% (Net Income TTM 376.0m / Revenue TTM 2.13b)
Gross Margin = 38.96% ((Revenue TTM 2.13b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Gross Margin QoQ = 63.45% (prev 66.45%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.88b / Total Assets 10.7b)
Interest Expense / Debt = 6.16% (Interest Expense 53.7m / Debt 872.0m)
Taxrate = 12.35% (53.0m / 429.0m)
NOPAT = 376.0m (EBIT 429.0m * (1 - 12.35%))
Current Ratio = 0.60 (Total Current Assets 5.50b / Total Current Liabilities 9.11b)
Debt / Equity = 0.39 (Debt 872.0m / totalStockholderEquity, last quarter 2.25b)
Debt / EBITDA = -0.46 (Net Debt -189.9m / EBITDA 412.1m)
Debt / FCF = -0.64 (Net Debt -189.9m / FCF TTM 297.5m)
Total Stockholder Equity = 2.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.20% (Net Income 376.0m / Total Assets 10.7b)
RoE = 16.01% (Net Income TTM 376.0m / Total Stockholder Equity 2.35b)
RoCE = 13.44% (EBIT 429.0m / Capital Employed (Equity 2.35b + L.T.Debt 843.5m))
RoIC = 25.22% (NOPAT 376.0m / Invested Capital 1.49b)
WACC = 7.10% (E(2.07b)/V(2.95b) * Re(7.82%) + D(872.0m)/V(2.95b) * Rd(6.16%) * (1-Tc(0.12)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -9.85%
[DCF] Terminal Value 77.97% ; FCFF base≈259.3m ; Y1≈297.2m ; Y5≈437.5m
[DCF] Fair Price = 79.22 (EV 6.58b - Net Debt -189.9m = Equity 6.77b / Shares 85.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 1.08 | # QB: 1
Revenue Correlation: -83.72 | Revenue CAGR: -19.68% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.69 | Chg30d=+8.43% | Revisions=+45% | Analysts=8
EPS current Year (2026-12-31): EPS=3.61 | Chg30d=+9.22% | Revisions=+67% | GrowthEPS=+88.3% | GrowthRev=+5.5%
EPS next Year (2027-12-31): EPS=4.08 | Chg30d=+3.13% | Revisions=+64% | GrowthEPS=+12.8% | GrowthRev=+10.3%
[Analyst] Revisions Ratio: +67%