Palomar Holdings, Inc. PLMR R2K
Financial Services · Insurance - Property & Casualty · United States
Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as inland marine, Hawaii hurricane, excess national property, residential flood, and other property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, program administrators, wholesale brokers, and strategic partnerships. The company was formerly known as GC Palomar Holdings and changed its name to Palomar Holdings, Inc. The company was incorporated in 2013 and is headquartered in La Jolla, California.
READ MORE ›$107.04
-37.58% 1Y
Market & Price
Market Cap
$2.84B
Current Price
$107.04
High / Low (52W)
$175.67 / $107.04
Beta
0.49
Valuation
Stock P/E
14.93
Industry PE
12.01
Forward P/E
9.57
PEG Ratio
-
Book Value
$36.17
Price to Book
2.96
P/S
2.89
EV/EBITDA
11.53
Dividend Yield
-
Profitability & Returns
ROCE
-
ROE
22.53%
ROA
5.31%
Profit Margin
20.11%
Op Margin
20.30%
EPS (Latest Qtr)
$1.57
EPS (TTM)
$7.17
Balance Sheet & Liquidity
Debt/Equity
0.31
Quick Ratio
0.27
Current Ratio
0.54
Debt
$297.43M
Total Assets
$3.05B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
2.48%
Chg in Prom Hold
-
FII / Inst Holding
100.51%
Chg in FII Hold
-0.00%
Financial Snapshot
Enterprise Value
$3.08B
Total Revenue (TTM)
$980.27M
EBITDA
$266.88M
Free Cash Flow
$528.35M
Operating Cash Flow
$368.96M
Shares Outstanding
26.50M
Gross Margin
28.73%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
38.87%
Profit 5Y
55.74%
Revenue (YoY)
59.70%
Earnings (YoY)
0.00%
PROS
- Strong return on equity of 22.5%.
- Excellent profit margin of 20.1%.
- Compounding revenue at 38.9% over 5 years.
- Profit CAGR of 55.7% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 39.1% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PLMR Palomar Holdings, Inc. R2K | 107.04 | 14.93 | $2.84B | - | - | 22.53% | 38.87% | 55.74% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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Quarterly Results
Figures in USD.
| Metric | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.52M | 19.89M | 18.92M | 15.64M | 22.31M | 25.91M | 30.46M | 34.62M | 38.02M | 43.15M | 45.00M | 42.30M | 49.24M | 57.72M | 67.66M | 78.11M | 79.66M | 80.69M | 89.20M | 90.40M | 90.94M | 118.53M | 131.07M | 148.50M | 174.63M | 201.03M | 244.66M | 255.63M | 278.94M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 53.80M | 59.97M | 67.27M | 72.75M | 56.62M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 85.00K | 86.00K | 133.00K | 88.00K | 3.16M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 53.71M | 59.88M | 67.14M | 72.66M | 53.46M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 10.79M | 13.35M | 15.68M | 16.49M | 10.51M |
| Net Income | 5.59M | 6.93M | 1.57M | 4.13M | -14.41M | 6.70M | 7.45M | 10.88M | 11.78M | 12.01M | -15.69M | -1.85M | 16.63M | 12.34M | 246.00K | 14.54M | 14.59M | 4.29M | 17.31M | 17.56M | 18.43M | 26.38M | 25.73M | 30.50M | 42.92M | 46.53M | 51.45M | 56.16M | 42.95M |
| Diluted EPS | 0.33 | 0.41 | 0.09 | 0.24 | -0.85 | 0.30 | 0.31 | 0.45 | 0.48 | 0.48 | -0.62 | -0.07 | 0.63 | 0.47 | 0.01 | 0.56 | 0.57 | 0.17 | 0.68 | 0.69 | 0.73 | 1.04 | 1.00 | 1.15 | 1.57 | 1.68 | 1.87 | 2.06 | 1.57 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 59.47M | 72.97M | 113.30M | 168.46M | 247.79M | 327.09M | 375.93M | 553.86M | 875.97M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | 68.42M | 107.42M | 152.33M | 253.78M |
| EBITDA | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | 873.00K | 3.77M | 1.14M | 392.00K |
| Pretax Income | - | - | - | - | - | 67.55M | 103.64M | 151.20M | 253.39M |
| Tax Provision | - | - | - | - | - | 15.38M | 24.44M | 33.62M | 56.32M |
| Net Income | 3.78M | 18.22M | 10.62M | 6.26M | 45.85M | 52.17M | 79.20M | 117.57M | 197.07M |
| Diluted EPS | 0.22 | 1.07 | 0.49 | 0.24 | 1.76 | 2.02 | 3.13 | 4.48 | 7.17 |
Compounded Sales Growth
| 5 Years: | 38.87% |
| 1 Year: | 59.70% |
Compounded Profit Growth
| 5 Years: | 55.74% |
| 1 Year: | 0.00% |
Stock Price Performance
| 1 Year: | -37.58% |
| 6 Months: | -13.57% |
| 3 Months: | -13.48% |
| 1 Month: | -13.68% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 231.13M | 395.46M | 729.09M | - | 1.31B | 1.71B | 2.26B | 3.05B |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 9.53M | 33.12M | 33.54M | - | 68.11M | 51.55M | 80.44M | 106.88M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | 356.47M | 538.77M | 700.88M | 921.61M |
| Total Liabilities | - | - | 134.84M | 176.91M | 365.38M | - | 921.70M | 1.24B | 1.53B | 2.11B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Debt | - | - | - | - | - | 0 | 36.40M | 52.60M | 0 | - |
| Total Equity | 73.11M | 78.41M | 96.29M | 218.56M | 363.71M | - | 384.75M | 471.25M | 729.03M | 942.67M |
| Shares Outstanding | - | - | - | - | - | - | 25.03M | 24.77M | 26.53M | 26.52M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 20.25M | 22.81M | 44.51M | 57.49M | - | 169.58M | 116.11M | 261.16M | 409.12M |
| Investing Cash Flow | -19.13M | -25.36M | -83.38M | -185.38M | - | -156.81M | -128.48M | -306.24M | -353.98M |
| Financing Cash Flow | - | 1.55M | 62.29M | 128.33M | - | 5.02M | -3.94M | 73.77M | -28.79M |
| Capital Expenditure | -68.00K | -332.00K | -115.00K | -132.00K | - | -5.94M | -6.76M | -8.53M | -7.13M |
| Free Cash Flow | 20.18M | 22.48M | 44.40M | 57.36M | - | 163.65M | 109.35M | 252.62M | 401.99M |
| Net Change in Cash | - | - | - | - | - | 17.79M | -16.31M | 28.69M | 26.35M |
| Share Buybacks | - | - | - | - | 15.85M | 34.41M | 22.27M | 0 | 37.28M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | 20.9% | 28.6% | 27.5% | 29.0% |
| Net Margin % | 6.4% | 25.0% | 9.4% | 3.7% | 18.5% | 15.9% | 21.1% | 21.2% | 22.5% |
| ROE % | 4.8% | 18.9% | 4.9% | 1.7% | - | 13.6% | 16.8% | 16.1% | 20.9% |
| ROCE % | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
2.48%
Institutions
100.51%
Public Float
103.06%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 16.55% | 4.39M | $469.39M |
| 2 | Vanguard Portfolio Management LLC | 4.60% | 1.22M | $130.48M |
| 3 | Vanguard Capital Management LLC | 4.52% | 1.20M | $128.29M |
| 4 | State Street Corporation | 4.01% | 1.06M | $113.71M |
| 5 | Janus Henderson Group PLC | 3.52% | 933.99K | $99.97M |
| 6 | Westfield Capital Management Co LP | 3.22% | 854.12K | $91.42M |
| 7 | Stephens Investment Management Group LLC | 2.70% | 714.91K | $76.52M |
| 8 | Sumitomo Mitsui Trust Group, Inc. | 2.70% | 716.34K | $76.68M |
| 9 | Geode Capital Management, LLC | 2.58% | 683.01K | $73.11M |
| 10 | Dimensional Fund Advisors LP | 2.46% | 653.03K | $69.90M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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