Palomar Holdings Inc (PLMR)vsThe Travelers Companies Inc (TRV)
PLMR
Palomar Holdings Inc
$108.51
+5.07%
FINANCIAL SERVICES · Cap: $3.04B
TRV
The Travelers Companies Inc
$303.25
+3.35%
FINANCIAL SERVICES · Cap: $62.06B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 4893% more annual revenue ($48.94B vs $980.27M). PLMR leads profitability with a 20.1% profit margin vs 15.5%. TRV trades at a lower P/E of 8.7x. TRV earns a higher WallStSmart Score of 74/100 (B).
PLMR
Buy64
out of 100
Grade: C+
TRV
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 59.7% year-over-year
Every $100 of equity generates 21 in profit
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 20.3%
Attractively priced relative to earnings
Earnings expanding 357.6% YoY
Large-cap with strong market position
Every $100 of equity generates 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
0.0% earnings growth
Expensive relative to growth rate
1.0% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 20.3%. Revenue growth of 59.7% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.
Bear Case : PLMR
The primary concerns for PLMR are EPS Growth.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
PLMR profiles as a growth stock while TRV is a value play — different risk/reward profiles.
TRV carries more volatility with a beta of 0.51 — expect wider price swings.
PLMR is growing revenue faster at 59.7% — sustainability is the question.
TRV generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (74/100 vs 64/100), backed by strong 15.5% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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