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Upturn AI Summary - About
Pelagos Insurance Capital Limited(PLGO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PLGO
11/13/2026: PLGO (4-star) is a STRONG-BUY. BUY for 20 days. Simulated Profits (14.75%). Updated daily EoD!
Pelagos Insurance Capital (PLGO) is a Bermuda-based specialty insurance and reinsurance company that functions as an expert capital allocator. The company operates through a network of specialized underwriting partners, which allows it to maintain a leaner cost structure while capturing premiums from complex global risks. Its main strengths include a highly diversified portfolio and a disciplined approach to capital deployment. While the stock offers a stable dividend and trades at attractive valuations, investors should monitor execution risk regarding its partnership model and sensitivity to large catastrophe events. Pelagos may best suit value and income-oriented investors looking for exposure to specialty insurance markets.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential linked to specialty insurance demand but is tied to the insurance cycle. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may favor the stock given its recent outperformance relative to the S&P 500. |
| Value investor | Strong fit | Trading at a relatively low P/E ratio, the stock appeals to value-oriented investors seeking insurance exposure. |
| Dividend investor | Strong fit | The company maintains a consistent dividend policy and a manageable payout ratio. |
| Low-risk investor | Mixed fit | Insurance stocks inherently carry catastrophe risk, though the company’s capital-light model mitigates some operational volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be sensitive to quarterly earnings volatility and catastrophe-related news cycles. |
| Valuation risk | Low | The company currently trades at a reasonable valuation multiple relative to historical earnings. |
| Competition risk (reinsurance and specialty insurance) | Medium / high | Intense competition from established global insurers can pressure margins. |
| Business quality | Medium | The partnership-based model is innovative but depends heavily on the performance of third-party underwriters. |
| Dividend income | Low | The dividend is well-covered by earnings and appears sustainable. |
| Execution risk | Medium | Successfully scaling as a capital allocator requires high precision in underwriting partner selection. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.29B USD | Price to earnings Ratio 7.08 | 1Y Target Price 26.06 |
Price to earnings Ratio 7.08 | 1Y Target Price 26.06 | ||
Volume (30-day avg) 426.4K shares | Beta 0.25 | 52 Weeks Range 17.37 - 29.70 | Updated Date 11/13/2026 |
52 Weeks Range 17.37 - 29.70 | Updated Date 11/13/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.07 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Insurance - Diversified
- BUY participation
- 50.0%
- Active BUY / eligible
- 2 / 4
- 30-Day BUY Count Change
- +2
Eligible universe: 4 stocks.
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 29.92% | Avg. Invested days 41 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance | Premiums from property, marine, cyber, and specialty lines. | This is the core revenue driver where Pelagos provides direct specialty coverage. |
| Reinsurance | Retrocession and whole-account reinsurance solutions. | This segment hedges risk for other insurance companies, providing steady capacity fees. |
| Investment Income | Returns on the $4.5B+ investment portfolio supporting claims capacity. | Investment gains on cash reserves represent a critical secondary profit engine. |
Earnings Date
Report Date 2026-11-11 | When After Market | Estimate 0.79 | Actual 1 |
Profitability
Profit Margin 12.47% | Operating Margin (TTM) 16% |
Management Effectiveness
Return on Assets (TTM) 2.06% | Return on Equity (TTM) 14.57% |
Valuation
Trailing PE 7.08 | Forward PE 5.26 | Enterprise Value 2.56B | Price to Sales(TTM) 0.86 |
Enterprise Value 2.56B | Price to Sales(TTM) 0.86 | ||
Enterprise Value to Revenue 1.19 | Enterprise Value to EBITDA - | Shares Outstanding 79.35M | Shares Floating 42.78M |
Shares Outstanding 79.35M | Shares Floating 42.78M | ||
Percent Insiders 12 | Percent Institutions 81.52 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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