PLMR
BULLISH
$131.41
Live
Palomar Holdings, Inc. · NASDAQ
Target $164.17
(+24.9%)
$107.75
52W Range
$175.85
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 17, 2026
Market cap
$3.51B
P/E
18.33
ROE
23.6%
Profit margin
22.5%
Debt/Equity
0.01
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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%
Consistent track record of earnings beats (3 of last 4 quarters) with an average surprise of 13.15%
Attractive valuation relative to growth, evidenced by a Forward P/E of 11.86
Key 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
Lack of dividend yield provides no floor for income-seeking investors
Exposure to Property & Casualty insurance risks which can be volatile due to catastrophic events
AI Fair Value Estimate
Based on comprehensive analysis
$168.5
+28.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
70
95
80
60
0
AI Verdict
Strong Growth Play
Key drivers: Hyper-growth in revenue and EPS, Low debt profile, Undervalued relative to intrinsic growth potential
Confidence
90%
Value
70/100
Ref P/E 18.33, Forward P/E 11.86, Graham Number $75.73
Positives
- Forward P/E is very low (11.86) for 60% growth
- Price is well below intrinsic value estimate
Watchpoints
- Trades at 3.7x Book Value
- Significantly above Graham Number
Future
95/100
Ref Revenue Growth 62.70%, Earnings Growth 59.90%
Positives
- 60%+ growth in both top and bottom lines
- Strong Q/Q momentum
Watchpoints
- Sustainability of 60% growth rate over long term
Past
80/100
Ref Quarterly Earnings Track Record
Positives
- Consistent EPS progression over 25 quarters
- Strong recovery and acceleration since 2022
Watchpoints
- Historical volatility in 2020-2021 earnings
Health
60/100
Ref Piotroski F-Score 4/9, Debt/Equity 0.01
Positives
- Near-zero debt
- Stable Piotroski score
Watchpoints
- Low current and quick ratios
- Piotroski F-Score is only 4/9
Dividend
0/100
Ref Dividend Yield N/A
Positives
No standout positives identified.
Watchpoints
- No dividend payments
- 0% payout ratio
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$131.41
Analyst Target
$164.17
Upside/Downside
+24.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PLMR and closest competitors.
Updated 2026-04-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PLMR
Palomar Holdings, Inc.
Primary
|
+83.5% | +144.7% | -12.7% | +16.7% | +10.4% | -1.7% |
|
BKU
BankUnited, Inc.
Peer
|
+51.1% | +53.0% | +23.4% | +25.7% | +6.1% | +1.2% |
|
AHL
Aspen Insurance Holdings Limite
Peer
|
+14.7% | +14.7% | +14.7% | +16.8% | +0.6% | -0.1% |
|
INTR
Inter & Co, Inc.
Peer
|
+143.9% | +342.0% | +64.3% | -1.4% | -4.3% | +4.8% |
|
BHF
Brighthouse Financial, Inc.
Peer
|
+62.1% | +18.8% | +26.1% | +27.7% | -1.0% | +0.1% |
PLM
Palomar Holdings, Inc.
Primary
5Y
+83.5%
3Y
+144.7%
1Y
-12.7%
6M
+16.7%
1M
+10.4%
1W
-1.7%
BKU
BankUnited, Inc.
Peer
5Y
+51.1%
3Y
+53.0%
1Y
+23.4%
6M
+25.7%
1M
+6.1%
1W
+1.2%
AHL
Aspen Insurance Holdings Limite
Peer
5Y
+14.7%
3Y
+14.7%
1Y
+14.7%
6M
+16.8%
1M
+0.6%
1W
-0.1%
INT
Inter & Co, Inc.
Peer
5Y
+143.9%
3Y
+342.0%
1Y
+64.3%
6M
-1.4%
1M
-4.3%
1W
+4.8%
BHF
Brighthouse Financial, Inc.
Peer
5Y
+62.1%
3Y
+18.8%
1Y
+26.1%
6M
+27.7%
1M
-1.0%
1W
+0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
18.33
Forward P/E
11.86
PEG Ratio
N/A
P/B Ratio
3.7
P/S Ratio
4.0
EV/Revenue
3.89
EV/EBITDA
13.17
Market Cap
$3.51B
Profitability
Profit margins and return metrics
Profit Margin
22.5%
Operating Margin
28.71%
Gross Margin
31.37%
ROE
23.58%
ROA
5.97%
Growth
Revenue and earnings growth rates
Revenue Growth
+62.7%
Earnings Growth
+59.9%
Q/Q Revenue Growth
+64.25%
Q/Q Earnings Growth
+60.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.01
Low debt
Current Ratio
0.54
Weak
Quick Ratio
0.29
Poor
Cash/Share
$4.0
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.3B
Net Margin
22.0%
Total Assets
$3.1B
Liabilities
$2.1B
Equity
$0.9B
Debt/Equity
2.24x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
98%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-04
$N/A
2026-02-11
$2.24
+7.1% surprise
2025-11-06
$1.87
+27.9% surprise
2025-08-04
$1.76
+4.5% surprise
Financial Services Sector Comparison
Comparing PLMR against 525 companies in the Financial Services sector
(96 bullish, 216 neutral, 213 bearish)
P/E Ratio
18.33
This Stock
vs
43.93
Sector Avg
-58.3%
(Discount)
Return on Equity (ROE)
23.58%
This Stock
vs
0.14%
Sector Avg
+16416.4%
(Excellent)
Profit Margin
22.5%
This Stock
vs
46.8%
Sector Avg
-51.9%
(Weaker)
Debt to Equity
0.01
This Stock
vs
1.41
Sector Avg
-99.5%
(Less Debt)
Revenue Growth
62.7%
This Stock
vs
40.4%
Sector Avg
+55.2%
(Fast Growth)
Current Ratio
0.54
This Stock
vs
3.36
Sector Avg
-84.0%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PLMR
Palomar Holdings, Inc.
|
BULLISH | $3.51B | 18.33 | 23.6% | 22.5% | $131.41 | |
|
BKU
BankUnited, Inc.
|
NEUTRAL | $3.58B | 14.22 | 9.1% | 26.2% | $47.64 | Compare |
|
AHL
Aspen Insurance Holdings Limite
|
BEARISH | $3.42B | 5.48 | 14.0% | 14.2% | $37.26 | Compare |
|
INTR
Inter & Co, Inc.
|
NEUTRAL | $3.62B | 14.16 | 14.4% | 21.9% | $8.21 | Compare |
|
BHF
Brighthouse Financial, Inc.
|
BEARISH | $3.67B | 4.52 | 16.2% | 12.3% | $64.11 | Compare |
PLMR
Palomar Holdings, Inc.
BULLISH
Mkt Cap
$3.5B
P/E
18.3
ROE
23.6%
Price
$131.41
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-07 | CHRISTIANSON JON MARCUS | President | Sale | 3,000 | $375,000 |
| 2026-03-23 | ARMSTRONG MAC | Chief Executive Officer | Sale | 3,500 | $422,028 |
| 2026-02-18 | UCHIDA T CHRISTOPHER | Chief Financial Officer | Sale | 783 | $100,255 |
| 2026-02-18 | UCHIDA T CHRISTOPHER | Chief Financial Officer | Stock Award | 1,530 | - |
| 2026-02-18 | CHRISTIANSON JON MARCUS | President | Sale | 522 | $66,837 |
| 2026-02-18 | CHRISTIANSON JON MARCUS | President | Stock Award | 1,020 | - |
| 2026-02-18 | KNUTZEN JONATHAN | Officer | Sale | 281 | $35,979 |
| 2026-02-18 | KNUTZEN JONATHAN | Officer | Stock Award | 612 | - |
| 2026-02-12 | ARMSTRONG MAC | Chief Executive Officer | Sale | 5,000 | $612,997 |
| 2026-01-30 | ARMSTRONG MAC | Chief Executive Officer | Sale | 7,604 | $927,355 |
| 2026-01-30 | ARMSTRONG MAC | Chief Executive Officer | Stock Award | 14,771 | - |
| 2026-01-30 | UCHIDA T CHRISTOPHER | Chief Financial Officer | Sale | 1,871 | $228,180 |
| 2026-01-30 | UCHIDA T CHRISTOPHER | Chief Financial Officer | Stock Award | 4,403 | - |
| 2026-01-30 | CHRISTIANSON JON MARCUS | President | Sale | 1,673 | $204,026 |
| 2026-01-30 | CHRISTIANSON JON MARCUS | President | Stock Award | 4,109 | - |
CHRISTIANSON JON MARCUS
President
2026-04-07
3,000 shares
·
$375,000
ARMSTRONG MAC
Chief Executive Officer
2026-03-23
3,500 shares
·
$422,028
UCHIDA T CHRISTOPHER
Chief Financial Officer
2026-02-18
783 shares
·
$100,255
UCHIDA T CHRISTOPHER
Chief Financial Officer
2026-02-18
1,530 shares
CHRISTIANSON JON MARCUS
President
2026-02-18
522 shares
·
$66,837
CHRISTIANSON JON MARCUS
President
2026-02-18
1,020 shares
KNUTZEN JONATHAN
Officer
2026-02-18
281 shares
·
$35,979
KNUTZEN JONATHAN
Officer
2026-02-18
612 shares
ARMSTRONG MAC
Chief Executive Officer
2026-02-12
5,000 shares
·
$612,997
ARMSTRONG MAC
Chief Executive Officer
2026-01-30
7,604 shares
·
$927,355
ARMSTRONG MAC
Chief Executive Officer
2026-01-30
14,771 shares
UCHIDA T CHRISTOPHER
Chief Financial Officer
2026-01-30
1,871 shares
·
$228,180
UCHIDA T CHRISTOPHER
Chief Financial Officer
2026-01-30
4,403 shares
CHRISTIANSON JON MARCUS
President
2026-01-30
1,673 shares
·
$204,026
CHRISTIANSON JON MARCUS
President
2026-01-30
4,109 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
8-K
8-K
10-Q
8-K
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
6 analysts
Keefe, Bruyette & Woods
2026-04-07
Outperform
Outperform
JP Morgan
2026-02-23
Overweight
Overweight
JP Morgan
2026-01-07
Overweight
Overweight
Keefe, Bruyette & Woods
2026-01-06
Outperform
Outperform
Keefe, Bruyette & Woods
2025-11-11
Outperform
Outperform
JP Morgan
2025-11-10
Overweight
Overweight
Past News Coverage
Recent headlines mentioning PLMR from our newsroom.
Newest → oldest
No matching news yet.