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Palomar Holdings, Inc.

PLMR

$127.14 ▼ -4.42 (-3.36%) at close

10 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

Palomar Holdings, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.4B

Dividend Yield —

Revenue Growth 58.2% ↗

Op. Margin 28.9% ↗

ROIC None

FCF / Share None

Trailing P/E 17.2x

Price / Book 3.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$875.97M

↑ +58.2% —

Net Income Profit after all expenses

$197.07M

↑ +67.6% —

Operating Margin Operating profit as % of sales

28.9%

↑ +6.0% 85th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial view

Statement lens

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	58.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+869%)	47.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+689%)	14.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+149%)	32.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+433%)	47.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+685%)	48.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+712%)	55.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+821%)	22.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+279%)	—	—
EPS Growth YoY (%)	60.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	44.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	54.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	15.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	620.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-49.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-54.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	386.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	67.6% Excellent ↑ Excellent Improving Year-over-year change in net income	48.4% Excellent ↓ Excellent Declining Year-over-year change in net income	51.8% Excellent ↓ Excellent Declining Year-over-year change in net income	13.8% Fair ↓ Fair Declining Year-over-year change in net income	632.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-41.1% Weak ↓ Weak Declining Year-over-year change in net income	-41.7% Weak Weak Year-over-year change in net income	381.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	38.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	30.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	42.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	50.3% Excellent Excellent Compound annual revenue growth over 3 years	41.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	39.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	37.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	38.8% Excellent Excellent Compound annual revenue growth over 5 years	40.6% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	52.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	36.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	133.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	61.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.9% Excellent Excellent Compound annual EPS growth over 3 years	4.4% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	28.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	27.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	27.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	20.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	23.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	3.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	—	—	—	—
Effective Tax Rate (%) (%)	22.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good Good 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 (%) (%)	22.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	3.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	9.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	25.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	6.4% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	6.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	5.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	7.9% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	20.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+74%)	16.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	16.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+40%)	13.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	18.9% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	4.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	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	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	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$32.88	$21.70	$15.14	$12.96	$9.73	$6.77	$5.27	$4.29	$3.50	—
Basic EPS, GAAP (USD)	$7.40	$4.61	$3.19	$2.07	$1.80	$0.25	$0.49	$1.07	$0.22	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$35.54	$27.48	$19.02	$15.37	$15.50	$14.25	$9.31	$5.66	$4.61	—
Tangible Book Value per Share (USD)	$34.40	$27.34	$18.87	$15.04	$15.13	$13.80	$9.28	$5.62	$4.61	—
Basic Weighted Avg Shares (shares)	26.64M	25.52M	24.82M	25.24M	25.46M	24.87M	21.50M	17.00M	17.00M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$942.67M	$729.03M	$471.25M	$384.75M	$394.17M	$363.71M	$218.56M	$96.29M	$78.41M	$73.11M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$875.97M	$553.86M	$375.93M	$327.09M	$247.79M	$168.46M	$113.30M	$72.97M	$59.47M	—
Depreciation Expense (USD)	$8.93M	$5.11M	$4.50M	$4.12M	$3.54M	$1.34M	$216.00K	$212.00K	$160.00K	—
Net Income, GAAP (USD)	$197.07M	$117.57M	$79.20M	$52.17M	$45.85M	$6.26M	$10.62M	$18.22M	$3.78M	—
Operating Cash Flow (USD)	$409.12M	$261.16M	$116.11M	$169.58M	$87.81M	$57.49M	$41.70M	$22.81M	$20.25M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Premiums Earned (USD)	$802.63M	$510.69M	$345.91M	$316.47M	$233.83M	$155.07M	$100.21M	$69.90M	$55.55M	—
Loss Ratio (%) (%)	28.5%	26.4%	21.0%	24.9%	17.7%	41.3%	5.6%	9.0%	21.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 10 years · 36 quarters

Palomar Holdings, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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