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INTR vs PLMR

INTR
Inter & Co, Inc.
NEUTRAL
Price
$8.21
Market Cap
$3.62B
Sector
Financial Services
AI Confidence
80%
PLMR
Palomar Holdings, Inc.
BULLISH
Price
$131.41
Market Cap
$3.51B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
INTR
14.16
PLMR
18.33
Forward P/E
INTR
7.61
PLMR
11.86
P/B Ratio
INTR
1.85
PLMR
3.7
P/S Ratio
INTR
0.61
PLMR
4.0
EV/EBITDA
INTR
--
PLMR
13.17

Profitability

Gross Margin
INTR
0.0%
PLMR
31.37%
Operating Margin
INTR
28.15%
PLMR
28.71%
Profit Margin
INTR
21.93%
PLMR
22.5%
ROE
INTR
14.36%
PLMR
23.58%
ROA
INTR
1.6%
PLMR
5.97%

Growth

Revenue Growth
INTR
26.4%
PLMR
62.7%
Earnings Growth
INTR
35.5%
PLMR
59.9%

Financial Health

Debt/Equity
INTR
--
PLMR
0.01
Current Ratio
INTR
--
PLMR
0.54
Quick Ratio
INTR
--
PLMR
0.29

Dividends

Dividend Yield
INTR
1.38%
PLMR
--
Payout Ratio
INTR
15.79%
PLMR
0.0%

AI Verdict

INTR NEUTRAL

Inter & Co presents a stark contrast between strong growth metrics and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the company exhibits impressive revenue growth (26.4%) and earnings growth (35.5%), the low F-Score suggests significant internal financial instability or declining efficiency. The stock is attractively valued with a Forward P/E of 7.61 and trades well below its growth-based intrinsic value of $17.11, but this is offset by a bearish technical trend and poor insider sentiment. Overall, the growth potential is high, but the underlying financial health risks necessitate a neutral stance.

Strengths
Strong YoY revenue growth of 26.40%
Robust earnings growth of 35.50% YoY
Attractive Forward P/E ratio of 7.61
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish technical trend (0/100 score)
Weak insider sentiment (40/100)
PLMR BULLISH

PLMR exhibits a stable financial health profile with a Piotroski F-Score of 4/9 and an exceptionally clean balance sheet (Debt/Equity 0.01). While the stock trades at a significant premium to its Graham Number ($75.73), it remains well below its growth-based intrinsic value of $211.51. The company is experiencing explosive growth, with revenue and earnings both increasing by approximately 60% YoY, supported by a strong ROE of 23.58%. Despite bearish insider activity and technicals, the fundamental growth trajectory and attractive forward P/E of 11.86 suggest significant upside.

Strengths
Explosive YoY revenue growth of 62.70% and earnings growth of 59.90%
Extremely low leverage with a Debt/Equity ratio of 0.01
Strong profitability metrics including an ROE of 23.58% and Operating Margin of 28.71%
Risks
Significant insider selling across C-suite executives (CEO, CFO, and President)
Bearish technical trend (0/100) and negative 1-year price performance (-12.7%)
Low liquidity ratios (Current Ratio 0.54, Quick Ratio 0.29), though typical for some insurance models

Compare Another Pair

INTR vs PLMR: Head-to-Head Comparison

This page compares Inter & Co, Inc. (INTR) and Palomar Holdings, Inc. (PLMR) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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