# Pelagos Insurance Capital Limited (PLGO) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Insurance. Price $26.12, market value $2.2 billion.

## Valuation
- **P/E (trailing): 6.4×** (5-yr avg 9.3×, 3-yr avg 9.3×). Pelagos Insurance Capital Limited trades at 6.4× trailing earnings, well below its own five-year average of 9.3×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.7×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.06**. A PEG of 0.06 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.0×**. Each dollar of revenue is priced at 1.0×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -19.0%** (5-yr avg 15.2%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 15.6%**. The inverse of the P/E: 15.6% of the price is earned each year.

## Profitability
- **Net margin: 9.0%**. 9.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.4%**. 9.4% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 3.2%**. Each dollar of assets produces 3.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.3%** (3-yr 18.3%/yr). Revenue grew 3.3% over the last year.
- **EPS growth (1 yr): 115.3%** (3-yr 101.0%/yr). Earnings per share rose 115.3%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $873 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.30%** ($0.60 per share, trailing). Pelagos Insurance Capital Limited yields 2.30%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 23%**. 23% of earnings goes out as dividends, leaving room to keep raising it.
- **Shareholder yield: 14.4%**. Dividends plus net buybacks return 14.4% of the market value a year.

## Price and momentum
- **Total return (1 yr): 49.5%** (YTD 37.4%, 3-mo 4.7%). The shares are up 49.5% over twelve months including dividends.
- **From 52-week high: -1.7%** (47.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 68**. An RSI of 68 is neutral.
- **Beta (1 yr): 0.02** (volatility 28%). Beta of 0.02 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PLGO · Page: https://foliofundamentals.com/stocks/plgo

Not investment advice.