Palomar Holdings Inc (PLMR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Palomar Holdings Inc stock (PLMR) is currently trading at $121.84. Palomar Holdings Inc PE ratio is 16.99. Palomar Holdings Inc PS ratio (Price-to-Sales) is 3.72. Analyst consensus price target for PLMR is $165.67. WallStSmart rates PLMR as Moderate Buy.
- PLMR PE ratio analysis and historical PE chart
- PLMR PS ratio (Price-to-Sales) history and trend
- PLMR intrinsic value — DCF, Graham Number, EPV models
- PLMR stock price prediction 2025 2026 2027 2028 2029 2030
- PLMR fair value vs current price
- PLMR insider transactions and insider buying
- Is PLMR undervalued or overvalued?
- Palomar Holdings Inc financial analysis — revenue, earnings, cash flow
- PLMR Piotroski F-Score and Altman Z-Score
- PLMR analyst price target and Smart Rating
Palomar Holdings Inc
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PLMR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Palomar Holdings Inc (PLMR)
PLMR trades at a significant discount to its Graham intrinsic value of $336.02, offering a 61% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Palomar Holdings Inc (PLMR) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Palomar Holdings Inc (PLMR) Key Strengths (7)
Revenue surging 62.70% year-over-year
Earnings per share surging 59.90% year-over-year
Keeps $23 of every $100 in revenue as net profit
97.37% of shares held by major funds and institutions
Every $100 of equity generates $24 in profit
Strong operational efficiency: $29 kept per $100 revenue
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Palomar Holdings Inc (PLMR) Areas to Watch (2)
Premium pricing at 3.3x book value
Revenue is fairly priced at 3.72x sales
Palomar Holdings Inc (PLMR) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.1/10) while 2 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Revenue Growth, EPS Growth, Profit Margin. Profitability is solid with Return on Equity at 23.60%, Operating Margin at 28.70%, Profit Margin at 22.50%. Growth metrics are encouraging with Revenue Growth at 62.70%, EPS Growth at 59.90%.
The Bear Case
The primary concerns are Price/Book, Price/Sales. Some valuation metrics including Price/Sales (3.72), Price/Book (3.31) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 23.60% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 62.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Revenue Growth and EPS Growth makes a compelling case at current levels. The key risk is Price/Book, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PLMR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PLMR's Price-to-Sales ratio of 3.72x trades at a deep discount to its historical average of 8.75x (3th percentile). The current valuation is 86% below its historical high of 25.75x set in Aug 2020, and 4% above its historical low of 3.56x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~6.5x as trailing revenue scaled faster than the stock price.
Compare PLMR with Competitors
Top INSURANCE - PROPERTY & CASUALTY stocks by market cap
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Data-driven financial summary for Palomar Holdings Inc (PLMR) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Palomar Holdings Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 876M with 63% growth year-over-year. Profit margins are strong at 22.5%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 63% YoY, reaching 876M. This pace significantly outperforms most INSURANCE - PROPERTY & CASUALTY peers.
ROE of 23.6% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Palomar Holdings Inc maintain 63%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Palomar Holdings Inc.
Bottom Line
Palomar Holdings Inc offers an attractive blend of growth (63% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Palomar Holdings Inc(PLMR)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
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.