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Pelagos Insurance Capital Ltd

PLGO

$25.02 ▼ -0.51 (-2.00%) at close

5 Visible periods

35 Metrics

Peer-ranked Benchmarks

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Health

Fair

Neutral

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Analytical Summary

Pelagos Insurance Capital Ltd shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $2.7B

Dividend Yield 2.00%

Revenue Growth 3.3% ↗

Op. Margin 11.0% ↗

ROIC None

FCF / Share None

Trailing P/E 11.8x

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.35

info Valuation on last close. End-of-day price, Aug 7, 2026.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.50B

↑ +3.3% —

Net Income Profit after all expenses

$225.50M

↑ +99.0% —

Operating Margin Operating profit as % of sales

11.0%

↑ +95.5% 59th

Long-Term Debt Long-term obligations

$843.20M

↑ +87.8% —

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.50 Latest / share

+25.0% YoY

FY 2021

FY 2022

$0.00

FY 2023

$0.40

FY 2024

$0.50

FY 2025

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Revenue Growth YoY (%)	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-45%)	-32.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-645%)	138.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2204%)	26.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+339%)	—
EPS Growth YoY (%)	116.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-94.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6807.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-22.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	99.0% Excellent ↓ Excellent Declining Year-over-year change in net income	-94.7% Weak ↓ Weak Declining Year-over-year change in net income	3954.2% Excellent Excellent Year-over-year change in net income	-23.0% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	18.3% Excellent Excellent Compound annual revenue growth over 3 years	26.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
EPS CAGR 3Y (%)	98.8% Excellent Excellent Compound annual EPS growth over 3 years	40.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Operating Margin (%) (%)	11.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	5.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	56.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	5.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	6.6% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)
Effective Tax Rate (%) (%)	18.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	9.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	4.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	59.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+170%)	3.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	5.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	21.3% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	4.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	87.0% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+625%)	2.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Debt to Equity (x)	0.35x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.18x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.23x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Revenue per Share (USD)	$23.55	$21.00	$31.46	$7.77	$6.11
Basic EPS, GAAP (USD)	$2.12	$0.98	$18.65	$0.27	$0.35
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.50	$0.40	$0.00	—	—
Book Value per Share (USD)	$24.83	$21.91	$20.78	$10.16	—
Tangible Book Value per Share (USD)	$24.83	$21.91	$20.78	$10.16	—
Basic Weighted Avg Shares (shares)	106.16M	115.22M	114.31M	194.29M	195.49M
Dividend Payout Ratio (%)	23.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.8% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$843.20M	$448.90M	$448.20M	$447.50M	—
Total Equity (USD)	$2.40B	$2.45B	$2.45B	$1.98B	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Sales/Revenue/Turnover (USD)	$2.50B	$2.42B	$3.60B	$1.51B	$1.19B
Depreciation Expense (USD)	—	—	—	$3.90M	$4.50M
Net Income, GAAP (USD)	$225.50M	$113.30M	$2.13B	$52.60M	$68.30M
Operating Cash Flow (USD)	$-408.30M	$618.20M	$495.20M	$741.40M	$345.80M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗
Premiums Earned (USD)	$2.29B	$2.26B	$1.83B	$1.50B	$1.16B
Loss Ratio (%) (%)	47.5%	51.2%	38.1%	55.3%	60.1%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 5 years · 4 quarters

Pelagos Insurance Capital Ltd

Analytical Summary

5-Year Financial Trajectory

Health Breakdown

Dividend History

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