Palomar Holdings, Inc. (PLMR)
Fair ValueFundamental
73
Price
$141.78
Market Cap
$3.66B
Part 1 · What the company is worth
Overview
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.09B
Trailing 12 months (through 6/30/2026)
Net Income
$203M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$409M
Total Equity
$943M
Total Liabilities
$2.11B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
1.02
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$132.29
Current Price
$141.78
Margin of Safety
-7.2%
Fair Value Range
$106.03 - $158.55
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
19.08
ROE
20.9%
P/B Ratio
3.80
P/FCF
9.00
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
7.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 54.57%
- Price CAGR 14.11%
- P/FCF 9.00
- Debt/equity ratio
- Positive free cash flow
- CapEx intensity
- Debt/EBITDA
- Return on tangible assets
- Low reliance on intangibles
- ROE 21.6%
- Revenue growth 5Y 39.0%
- Earnings surprise, average 8.9%
- PEG ratio 0.19
- Earnings quality (operating cash flow / net income) 2.04
- Piotroski F-Score 5/9
Failed (5)
- P/B ratio 3.80
- Price below Graham Number
- DCF valuation (Overvalued)
- Share dilution 4.7%
- Net margin trend 18.6% vs 22.7%
Unavailable (6)
- ROIC –
- Gross margin –
- Dividend payout –
- Operating margin –
- Current ratio
- Interest coverage
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Issuing new shares, diluting ownership
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. D. McDonald Armstrong | Founder, CEO & Chairman of the Board | - |
| Mr. Jon Marcus Christianson | President | 45 |
| Mr. Toshio Christopher Uchida CPA | Chief Financial Officer | 51 |
| Mr. Rodolphe Herve | Chief Operating Officer | 47 |
| Mr. Jonathan Blake Knutzen | Chief Risk Officer | 53 |
| Ms. Elizabeth Whitaker Seitz C.P.A. | EVP of Treasury & Financial Operations and Chief Accounting Officer | - |
| Mr. James Long | Chief Technology Officer | - |
| Ms. Angela Leann Grant | Chief Legal Officer & Corporate Secretary | 56 |
| Mr. Timothy T. Carter | Chief People Officer | 56 |
| Mr. Kyle Morgan | Chief Strategy Officer | - |
Audit Risk
2
Board Risk
6
Compensation Risk
2
Shareholder Rights Risk
7
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-24
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-05
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-11
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much PLMR moves, measured on its daily prices.
More volatile than 53% of the tracked stocks (90-day volatility).
- Volatility 30d
- 29.0%
- Volatility 90d
- 37.5%
- Beta vs S&P 500 (1y)
- -0.38Correlation -0.14
- Max drawdown (12m)
- -26.1%
- ATR (14d, % of price)
- 2.76%
Earnings reactions
How PLMR moved around its past quarterly results.
Next earnings release
Nov 5, 2026 · In 12 days · Time not known
EPS estimate: 2.59Revenue estimate: $329M
What usually happens
- Over the last 12 releases the stock moved a median of 4.5% the next day, up or down.
- Next-day moves: up 9, down 3 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 2.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Aug 4, 2026 | After the close | 2.22 | 2.36 | +6.2% | 0.0% | -1.6% | -3.2% |
| May 6, 2026 | After the close | 2.24 | 2.31 | +3.0% | +1.0% | +2.5% | -2.3% |
| Feb 11, 2026 | After the close | 2.13 | 2.24 | +5.1% | +0.6% | -3.5% | -6.2% |
| Nov 6, 2025 | After the close | 1.66 | 2.01 | +21.4% | +2.9% | +8.7% | +10.4% |
| Aug 4, 2025 | After the close | n/a | n/a | n/a | -2.6% | -14.7% | -7.5% |
| May 5, 2025 | After the close | n/a | n/a | n/a | -2.1% | +0.4% | -0.3% |
| Feb 12, 2025 | After the close | n/a | n/a | n/a | +5.1% | +14.7% | +10.8% |
| Nov 4, 2024 | After the close | n/a | n/a | n/a | -3.9% | +2.1% | +14.8% |
| Aug 5, 2024 | After the close | n/a | n/a | n/a | +6.5% | +5.4% | -0.4% |
| May 2, 2024 | After the close | n/a | n/a | n/a | +1.8% | +3.7% | +7.8% |
| Feb 14, 2024 | After the close | n/a | n/a | n/a | +7.6% | +18.4% | +21.0% |
| Nov 1, 2023 | After the close | n/a | n/a | n/a | +10.9% | +10.1% | +14.2% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on PLMR and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for PLMR.