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Palomar Holdings, Inc. (PLMR) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Palomar Holdings, Inc.

PLMRMarket cap $3.34BPrice $126.8

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Insures the risks other insurers won't touch — earthquakes, floods, hurricanes. Palomar built a thriving niche business around catastrophe coverage in disaster-prone areas, turning what most insurers avoid into its core competitive advantage and growth engine.

In Bastion Portfolios?

52W Return+11%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+39%10

Revenue Forecast

Rev CAGR (1y)+37%9

Rev CAGR (3y)+23%9

Rev CAGR (5y)+16%9

Earnings Forecast

EPS Growth Y+1+133%10

EPS Growth Y+2+11%7

EPS Growth Y+3+7%6

Quality

Margins

EBIT Margin25%8

Net Income Margin19%8

Free Cash Flow Margin38%10

Debt

Net Debt/EBITDA0.86

Efficiency

ROE22%8

ROA6%7

Earnings Stability1010

GEAR+VERY STRONG100

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)128

P/E Ratio (Forward 3y)107

P/BV3.44

EV Multiples

EV/EBITDA Fwd48

EV/EBIT Fwd78

Yield

Free Cash Flow Yield0.0%7

Dividend Yield1.4%4

Momentum

Short term

1 month return-5%5

3 month return-12%3

YTD return-6%4

Mid term

Price vs 52wHigh86%7

1 year return+7%6

Long term

3 year return+155%9

5 year return+61%6

Risk Shield

Price Risk

Beta0.29

Volatility35%6

Free Cash Flow

Free Cash Flow Margin38%10

Free Cash Flow Yield0.0%7

Quality

ROCE25%7

Earnings Stability1010

Net Debt/EBITDA0.86

02Growth

Is it actually growing, and how fast?

PLMRPalomar Holdings

Revenue FY25$554M

GROWTH RATING↗

VERY STRONG92 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+39%10

Revenue, next 1Y+37%9

Revenue, next 3Y, CAGR+23%9

Revenue, next 5Y, CAGR+16%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+133%10

EPS growth, FY27E+11%7

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

It out-grows 92% of companies worldwide.

Revenue grew 39%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 23%/yr over the next 3 years, ahead of most of the market.9/10

The runway holds up: revenue is set to grow 16%/yr over five years.9/10

WATCH

Revenue grew 39%/yr over the last 3 years; forecasts see it cooling to 23%/yr.

Earnings are set to grow slower than sales (EPS about 11%/yr vs revenue 23%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE55 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-12%3

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high86%7

1-year return+7%6

3-year return+155%9

5-year return+61%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +155% over three years and +61% over five, ahead of 70% of the market.

It's up 7% over the past year, but 14% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-5%) and so far this year (-6%).

WEAKNESSES

The stock is underperforming over three months (-12%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Palomar Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

PLMRPalomar Holdings

Revenue FY25$554M

GROWTH RATING↗

VERY STRONG92 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+39%10

Revenue, next 1Y+37%9

Revenue, next 3Y, CAGR+23%9

Revenue, next 5Y, CAGR+16%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+133%10

EPS growth, FY27E+11%7

EPS growth, FY28E+7%6

GROWTH ASSESSMENT

STRENGTHS

It out-grows 92% of companies worldwide.

Revenue grew 39%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 23%/yr over the next 3 years, ahead of most of the market.9/10

The runway holds up: revenue is set to grow 16%/yr over five years.9/10

WATCH

Revenue grew 39%/yr over the last 3 years; forecasts see it cooling to 23%/yr.

Earnings are set to grow slower than sales (EPS about 11%/yr vs revenue 23%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE55 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-12%3

YTD return-6%4

MID & LONG-TERM▾SCORE

% of 52-week high86%7

1-year return+7%6

3-year return+155%9

5-year return+61%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +155% over three years and +61% over five, ahead of 70% of the market.

It's up 7% over the past year, but 14% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over the past month (-5%) and so far this year (-6%).

WEAKNESSES

The stock is underperforming over three months (-12%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Palomar Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community