Palomar Holdings, Inc.

Valuation Analysis

About the Company

Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as inland marine, Hawaii hurricane, excess national property, residential flood, and other property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, program administrators, wholesale brokers, and strategic partnerships. The company was formerly known as GC Palomar Holdings and changed its name to Palomar Holdings, Inc. The company was incorporated in 2013 and is headquartered in La

Palomar Holdings, Inc. Stock at a Glance

Palomar Holdings, Inc. (PLMR) is currently trading at $114.85 with a market capitalization of $3B. The trailing P/E ratio stands at 16.02x, with a forward P/E of 10.27x. The 52-week range spans from $100.81 to $165.10; the current price is 30.4% below the yearly high. Year-over-year revenue growth stands at +59.7%. The net profit margin stands at 20.11%.

💰 Dividend

Palomar Holdings, Inc. currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Analyst Rating

6 analysts rate Palomar Holdings, Inc. (PLMR) on consensus: Buy. The average price target is $154.17, implying +34.23% from the current price. Analyst price targets range from $132.00 to $168.00.

Palomar Holdings, Inc.: The Investment Case in Detail

Palomar Holdings, Inc. (PLMR) operates in the Financial Services — specifically Insurance - Property & Casualty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Top-line momentum is unusually strong with revenue expanding 59.7% year-over-year, a pace that puts the company well above the market average and signals genuine demand traction rather than mere cyclical tailwind. Free cash flow is positive and net margins stand at 20.11%, meaning reported earnings translate into real cash that can fund buybacks, dividends or strategic acquisitions. Wall Street consensus sits at Buy with an average price target implying roughly 34.23% upside from current levels — analyst sentiment is firmly constructive.

What to Watch Next

• The forward P/E of 10.27x is meaningfully below the trailing 16.02x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The analyst consensus price target implies 34.23% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

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