Palomar Holdings, Inc.
PLMR · Price history
Price at last available close
$134.06
+$11.02 (+8.96%) 1M
2026-10-27
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Company & revenue
About Palomar Holdings, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Palomar Holdings, Inc. functions as an insurance holding company dedicated to providing specialized property coverage for both private homeowners and businesses. Its comprehensive product range encompasses essential offerings such as residential and commercial earthquake policies, commercial all-risk protection, tailored homeowners' insurance, inland marine coverage, and Hawaii hurricane policies. Furthermore, the company extends its services to include residential and commercial flood insurance, along with other specialized financial products like assumed reinsurance, real estate error and omission (E&O) coverage, and specific solutions for real estate investors.
How they make money
Palomar Holdings, Inc. operates as an insurance holding company that generates revenue primarily through the underwriting of specialty property insurance products. The company earns premiums from policyholders and manages risk through a combination of reinsurance arrangements and its own capital, while also generating fee income through its insurance agency operations.
Products & services
Specialty property insurance products including earthquake, hurricane, flood, and specialty homeowners insurance, as well as excess and surplus lines coverage.
Brands & revenue mix
Primary brand under which the company markets its specialty insurance products.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company distributes its products primarily through a network of retail and wholesale insurance brokers; no single broker accounted for more than 10% of gross written premiums for the year ended December 31, 2025.
Suppliers, materials & equipment
- Reinsurance providers — Various global reinsurance companies that provide capacity and risk-sharing services to support the company's underwriting operations.Source
Competitors
- National and regional property and casualty insurance companies — Various insurance carriers that offer competing specialty property insurance products in the markets where Palomar operates.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
71
Strong
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
91
Elite
Financial Strength
89
Business Quality / Moat
100
Management
100
Growth Quality
70
Risk / Durability
88
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
79
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
76/100
Building Historical Record
Model Score 76/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is strong across its combined quality, valuation and risk inputs. Review Company Quality separately to assess the business without its share price.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Strong overall Wall Street Score
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •M&A headline · Sep 9, 2026
Company-specific research
Questions worth answering for PLMR
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can PLMR maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is PLMR's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is PLMR's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is PLMR's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
71
Opportunity Score
79
Market Cap
$3.55B
P/E Ratio
17.6
EPS
$7.67
52-Week High
$147.62
52-Week Low
$100.81
Beta
0.35
Intrinsic Value
$295.30
Analyst Target
$158.50
Shares Outstanding
27.5M
Total Revenue
$1.09B
Total Debt
$295.8M
Dividend
No current dividend
Liquidation Value / Share
$35.69
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for PLMR
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
M&A headline · Sep 9, 2026
PLMR's Gray Surety Acquisition Boosts Scale and Diversification — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Zacks Investment ResearchCommunity Sentiment
0 active · 0 total callsNo personal call yet on PLMR.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Specialized underwriting expertise in catastrophe-exposed property markets.
- +Scalable technology-driven distribution platform.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Property & Casualty industry.
- −Exposure to catastrophic events and natural disasters.
- −Dependence on reinsurance availability and pricing.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
71
Oct 1, 2026
Change
-0.4
points
Current Score
71
Oct 12, 2026
Category Changes
PLMR decreased 0.4 points because Capital declined by 3 points.
Negative Contributors
- − Capital declined by 3 points
Projected Score
Projected Score
71
Projected Change
0.0 points
Preliminary comparable-period financial changes suggest little change. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$134.06
Model Intrinsic Value
$295.30
Difference
−$161.24
-54.6% vs IV
Margin of Safety
54.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Large reported revenue change: +58.2%
Revenue changed sharply from 2024 to 2025. This can reflect a real business change, acquisition, divestiture, discontinued operations, restatement, or reporting-basis change. Compare the underlying filing before treating it as normal growth or decline.
TTM may combine quarters from before and after the event, so its trend can also be distorted.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.09B | $876.0M | $553.9M | $375.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $302.9M | $228.6M | $284.4M | $180.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $790.7M | $647.4M | $269.4M | $195.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $527.7M | $394.0M | $118.3M | $91.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $287.4M | $262.7M | $157.4M | $111.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $263.1M | $253.4M | $151.2M | $103.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $8.3M | $392K | $1.1M | $3.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $263.1M | $253.4M | $151.2M | $103.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $59.9M | $56.3M | $33.6M | $24.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $203.2M | $197.1M | $117.6M | $79.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $7.67 | $7.40 | $4.61 | $3.19 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 26.35M | 26.64M | 25.52M | 24.82M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 27.06M | 27.49M | 26.22M | 25.33M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$314.4M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.94
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
Not available
Cash Change
-22.9%
Margin Change
-6.4 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth. Pressure indicators included cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 56.4%. EPS increased 15.5%. Cash declined 22.9%. Net income margin declined by 6.4 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
Will Palomar (PLMR) Beat Estimates Again in Its Next Earnings Report?
Here's Why Palomar (PLMR) is a Strong Growth Stock
Here is Why Growth Investors Should Buy Palomar (PLMR) Now
Specialty Insurance: 4 Stocks to Watch in Niche Risks Creating Demand
Rumor Mill · PLMR
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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