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PLMR stock logo

PLMR

Palomar Holdings, Inc.

$128.78
-3.04
 (-2.31%)
Exchange:  NASDAQ
Market Cap:  3.413B
Shares Outstanding:  17M
Delayed data
Calculate PLMR Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  D. McDonald Armstrong
Full Time Employees:  439
Address: 
7979 Ivanhoe Avenue
La Jolla
CA
92037
US
Website:  https://plmr.com
Palomar Holdings, Inc. functions as an insurance holding company dedicated to providing specialized property coverage for both private homeowners and businesses. Its comprehensive product range encompasses essential offerings such as residential and commercial earthquake policies, commercial all-risk protection, tailored homeowners’ insurance, inland marine coverage, and Hawaii hurricane policies. Furthermore, the company extends its services to include residential and commercial flood insurance, along with other specialized financial products like assumed reinsurance, real estate error and omission (E&O) coverage, and specific solutions for real estate investors. Palomar distributes its policies through a varied network, including independent retail agents, wholesale brokers, program administrators, and collaborative agreements with other insurance carriers. The company, which was previously named GC Palomar Holdings, was founded in 2013 and maintains its corporate headquarters in La Jolla, California.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/07 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue375,926553,863875,967
Gross Profit195,589269,447647,373
EBITDA111,920157,440262,648
Operating Income103,642151,196253,390
Net Income79,201117,573197,070

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,708,0222,262,2202,226,348
Total Liabilities1,236,7701,533,1901,283,681
Total Stockholders Equity471,252729,030942,667
Total Debt52,60000
Cash and Cash Equivalents51,54680,438106,892

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow116,106261,157409,121
Capital Expenditure-6,759-243-137
Free Cash Flow109,347260,914408,984
Net Income79,201117,573197,070
Net Change in Cash-16,31228,68726,353

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)3,165,599.620Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)3,206,754.379Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)3,186,177Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)853,851.320Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)864,951.917Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)859,401.619Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)311,412.841Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)349,161.359Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)325,086.040Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)0Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)12.230Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)12.700Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)11.330Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
553.204M  ?P/S
 (TTM)
: 
3.16
?Net Income
 (TTM)
: 
117.573M  ?P/E
 (TTM)
: 
16.96
?Enterprise Value
 (TTM)
: 
3.681B  ?EV/FCF
 (TTM)
: 
8.96
?Dividend Yield
 (TTM)
: 
0.35%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
21.61%  ?ROIC
 (TTM)
: 
11.26%
?Net Debt
 (TTM)
: 
-72775000  ?Debt/Equity
 (TTM)
: 
0.3
?P/B
 (TTM)
: 
3.49  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
14.97Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PLMR intrinsic value between $146.40 – $147.52 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about PLMR valuation

Is Palomar Holdings, Inc. (PLMR) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Palomar Holdings, Inc. (PLMR) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PLMR a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PLMR trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PLMR’s P/E ratio?

You can see PLMR’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PLMR?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PLMR a good long-term investment?

Whether PLMR fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PLMR

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-2.31
MARKETSnap

Trading Metrics:

Open: 130.53   Previous Close: 131.82
Day Low: 128.38   Day High: 131.12
Year Low: 100.81   Year High: 147.62
Price Avg 50: 131.4   Price Avg 200: 125.02
Volume: 43745   Average Volume: 282960

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See in Nexus

Relevant news

BlackRock Inc. Buys Shares of 4,401,832 Palomar Holdings, Inc. $PLMR
25-08-2026 04:06
BlackRock Inc. Buys Shares of 4,401,832 Palomar Holdings, Inc. $PLMR
Can Strong Premium Growth Sustain Palomar's Earnings Momentum?
21-08-2026 13:40
Can Strong Premium Growth Sustain Palomar's Earnings Momentum?
Palomar Q2 Earnings Call Highlights
05-08-2026 14:04
Palomar Q2 Earnings Call Highlights
Compared to Estimates, Palomar (PLMR) Q2 Earnings: A Look at Key Metrics
04-08-2026 21:01
Compared to Estimates, Palomar (PLMR) Q2 Earnings: A Look at Key Metrics
Will Palomar (PLMR) Beat Estimates Again in Its Next Earnings Report?
28-07-2026 13:11
Will Palomar (PLMR) Beat Estimates Again in Its Next Earnings Report?
PLMR Outperforms Industry, Trades Near 52-Week High: Time to Exit?
03-07-2026 12:31
PLMR Outperforms Industry, Trades Near 52-Week High: Time to Exit?

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