NP vs PLMR
Valuation
Profitability
Growth
Financial Health
Dividends
AI Verdict
The deterministic health profile is critical, highlighted by a Piotroski F-Score of 1/9, indicating severe financial weakness. While revenue growth remains strong at 28.8%, the company exhibits a catastrophic Price/Book ratio of -16.29, suggesting negative shareholders' equity. Liquidity is precarious with a Quick Ratio of 0.21, and a sharp Q/Q earnings decline of 26.1% contradicts the bullish analyst consensus. The stock is fundamentally overvalued on a Price/Sales basis (20.69x) and lacks any deterministic value floor.
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.
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NP vs PLMR: Head-to-Head Comparison
This page compares Neptune Insurance Holdings Inc. (NP) 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.