# Palomar Holdings Inc. (PLMR) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $136.58, market value $3.6 billion.

## Valuation
- **P/E (trailing): 18.3×** (5-yr avg 23.9×, 3-yr avg 20.0×). Palomar Holdings Inc. trades at 18.3× trailing earnings, well below its own five-year average of 23.9×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.20**. A PEG of 0.20 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.3×**. Each dollar of revenue is priced at 3.3×.
- **Price / book: 3.6×**. The shares trade at 3.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.5%** (5-yr avg 9.7%). Free cash flow equals 11.5% of the market value, in line with its five-year average of 9.7%. Above 5% is generally attractive.
- **Earnings yield: 5.5%**. The inverse of the P/E: 5.5% of the price is earned each year.

## Profitability
- **Net margin: 22.5%**. 22.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 20.9%**. 20.9% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 6.7%**. Each dollar of assets produces 6.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 58.2%** (3-yr 38.9%/yr, 5-yr 39.1%/yr). Revenue grew 58.2% over the last year, against 39.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 60.0%** (3-yr 52.5%/yr, 5-yr 97.3%/yr). Earnings per share rose 60.0%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 34.2%/yr**. Free cash flow has compounded at 34.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $107 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: 1.32%** ($1.80 per share, trailing). Palomar Holdings Inc. yields 1.32%, a modest yield more typical of a growth-oriented payer.

## Price and momentum
- **Total return (1 yr): 8.2%** (YTD 1.4%, 3-mo 25.9%). The shares are up 8.2% over twelve months including dividends.
- **From 52-week high: -7.5%** (35.5% above the low). Trading 7% below 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): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): -0.15** (volatility 36%). Beta of -0.15 against the S&P 500: the shares move much less than the market.

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

Not investment advice.