📊 PLMR Key Takeaways
Is Palomar Holdings, Inc. (PLMR) a Good Investment?
Palomar demonstrates exceptional financial fundamentals with 58% YoY revenue growth and 60% EPS growth, coupled with industry-leading profitability metrics (28.9% operating margin, 22.5% net margin, 20.9% ROE). The zero-debt capital structure and exceptional $409M free cash flow (46.7% FCF margin) provide a fortress balance sheet with substantial financial flexibility.
Why Buy Palomar Holdings, Inc. Stock? PLMR Key Strengths
- Exceptional revenue growth of 58.2% YoY with proportional earnings growth of 60% EPS
- Outstanding profitability metrics: 28.9% operating margin, 22.5% net margin, 20.9% ROE
- Zero long-term debt capital structure with fortress balance sheet providing financial flexibility
- Exceptional cash generation: $409M operating free cash flow with 46.7% FCF margin
- Superior capital efficiency with 6.5% ROA demonstrating effective asset utilization
PLMR Stock Risks: Palomar Holdings, Inc. Investment Risks
- Insurance industry inherent cyclicality and catastrophic loss exposure in fire, marine & casualty segments
- Rapid 58% growth rate unsustainable long-term, creating normalization risk for future expectations
- Concentrated specialty insurance focus limits product and geographic diversification
- Zero debt may constrain financial flexibility for strategic acquisitions or M&A opportunities
- Underwriting margin sustainability dependent on claims frequency, severity, and competitive pricing pressures
Key Metrics to Watch
- Combined loss ratio and underwriting profitability trends
- Premium growth rate sustainability and market share dynamics
- Catastrophic loss frequency and reinsurance program adequacy
- Return on equity trend and capital allocation efficiency
- Free cash flow conversion and shareholder capital return policies
Palomar Holdings, Inc. (PLMR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 46.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PLMR Profit Margin, ROE & Profitability Analysis
PLMR vs Finance Sector: How Palomar Holdings, Inc. Compares
How Palomar Holdings, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Palomar Holdings, Inc. Stock Overvalued? PLMR Valuation Analysis 2026
Based on fundamental analysis, Palomar Holdings, Inc. appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Palomar Holdings, Inc. Balance Sheet: PLMR Debt, Cash & Liquidity
PLMR Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Palomar Holdings, Inc.'s revenue has grown significantly by 254% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.13 reflects profitable operations.
PLMR Revenue Growth, EPS Growth & YoY Performance
PLMR Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $148.5M | $25.7M | $1.15 |
| Q2 2025 | $131.1M | $25.7M | $1.00 |
| Q1 2025 | $118.5M | $26.4M | $1.04 |
| Q3 2024 | $90.9M | $17.3M | $0.73 |
| Q2 2024 | $90.4M | $17.6M | $0.69 |
| Q1 2024 | $89.2M | $17.3M | $0.68 |
| Q3 2023 | $80.7M | $4.3M | $0.17 |
| Q2 2023 | $79.7M | $14.6M | $0.57 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Palomar Holdings, Inc. Dividends, Buybacks & Capital Allocation
PLMR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Palomar Holdings, Inc. (CIK: 0001761312)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PLMR
What is the AI rating for PLMR?
Palomar Holdings, Inc. (PLMR) has an AI rating of STRONG BUY with 87% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PLMR's key strengths?
Claude: Exceptional revenue growth of 58.2% YoY with proportional earnings growth of 60% EPS. Outstanding profitability metrics: 28.9% operating margin, 22.5% net margin, 20.9% ROE.
What are the risks of investing in PLMR?
Claude: Insurance industry inherent cyclicality and catastrophic loss exposure in fire, marine & casualty segments. Rapid 58% growth rate unsustainable long-term, creating normalization risk for future expectations.
What is PLMR's revenue and growth?
Palomar Holdings, Inc. reported revenue of $876.0M.
Does PLMR pay dividends?
Palomar Holdings, Inc. does not currently pay dividends.
Where can I find PLMR SEC filings?
Official SEC filings for Palomar Holdings, Inc. (CIK: 0001761312) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PLMR's EPS?
Palomar Holdings, Inc. has a diluted EPS of $7.17.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PLMR a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Palomar Holdings, Inc. has a STRONG BUY rating with 87% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is PLMR stock overvalued or undervalued?
Valuation metrics for PLMR: ROE of 20.9% (sector avg: 12%), net margin of 22.5% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy PLMR stock in 2026?
Our dual AI analysis gives Palomar Holdings, Inc. a combined STRONG BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PLMR's free cash flow?
Palomar Holdings, Inc.'s operating cash flow is $409.1M, with capital expenditures of $137.0K. FCF margin is 46.7%.
How does PLMR compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.5% (avg: 25%), ROE 20.9% (avg: 12%), current ratio N/A (avg: 1.2).