Palomar Holdings, Inc. (PLMR)
Fair ValueFundamental
74
Price
$123.29
Market Cap
$3.24B
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
$134.07
Current Price
$123.29
Margin of Safety
+8.0%
Fair Value Range
$106.15 - $161.99
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
16.59
ROE
20.9%
P/B Ratio
3.31
P/FCF
7.82
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
7.3%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (17)
- EPS shows upward trend
- EPS CAGR 54.57%
- Price CAGR 14.11%
- P/FCF 7.82
- 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%
- Analyst Consensus 80% Buy
- Earnings Surprise avg 8.9%
- PEG Ratio 0.17
- Earnings Quality (OCF/NI) 2.04
- Piotroski F-Score 5/9
Failed (5)
- P/B Ratio 3.31
- Price below Graham Number
- DCF valuation (Overvalued)
- Share Dilution 4.7%
- Net Margin Trend 18.6% vs 22.7%
Unavailable (6)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- 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
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
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
Latest News
Recent headlines for PLMR, sourced from Markets Gazette.