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Palomar Holdings Inc(PLMR)
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 PLMR
10/19/2026: PLMR (1-star) is currently NOT-A-BUY. Pass it for now.
Palomar Holdings is a specialty insurance company that primarily offers residential and commercial property coverage in catastrophe-prone areas. Its key strengths include an advanced data-driven underwriting model and a capital-efficient business structure supported by extensive reinsurance. The primary growth opportunity lies in diversifying its product lines and expanding into new geographic markets. However, the company faces significant risks related to climate-related disaster volatility, reinsurance cost fluctuations, and competition from national insurance giants. This stock may suit growth investors comfortable with sector-specific volatility, as it lacks a dividend and carries inherent insurance-related execution risks; market participants should monitor catastrophe loss trends and premium growth rates closely.
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 | Strong fit | Palomar demonstrates consistent premium growth and an aggressive expansion strategy into underserved specialty markets. |
| Momentum investor | Mixed fit | Fit is conditional on positive price trends and technical breakouts in the stock price. |
| Value investor | Mixed fit | The valuation can be demanding given the growth profile, requiring investors to assess the sustainability of underwriting margins. |
| Dividend investor | Weak fit | Palomar does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The company's focus on catastrophe-exposed insurance inherently carries higher operational and volatility risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock's performance is sensitive to the frequency of catastrophic weather events. |
| Valuation risk | Medium | Growth-oriented pricing requires consistent delivery on earnings targets. |
| Competition risk (Insurance Market) | Medium / high | Large incumbents can aggressively enter or adjust pricing in the specialty lines Palomar serves. |
| Business quality | Medium | The company has a solid niche strategy but remains dependent on complex reinsurance structures. |
| Dividend income | Low / none | No dividends are currently paid, offering no income yield to shareholders. |
| Execution risk | Medium | Successful growth depends on continued effective underwriting and geographic expansion. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 16.39% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/19/2026 |
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
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.70B USD | Price to earnings Ratio 18.79 | 1Y Target Price 159.17 |
Price to earnings Ratio 18.79 | 1Y Target Price 159.17 | ||
Volume (30-day avg) 236.2K shares | Beta 0.35 | 52 Weeks Range 100.46 - 147.11 | Updated Date 10/18/2026 |
52 Weeks Range 100.46 - 147.11 | Updated Date 10/18/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 7.43 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Residential Specialty Insurance | Earthquake, hurricane, and flood policies for residential property owners. | The company collects premiums from homeowners in high-risk areas to protect them against natural disasters. |
| Commercial Specialty Insurance | Builder's risk and all-risk policies for business properties. | The company provides specialized property protection to businesses, often in areas underserved by traditional insurers. |
Valuation
Trailing PE 18.79 | Forward PE - | Enterprise Value 3.58B | Price to Sales(TTM) 3.39 |
Enterprise Value 3.58B | Price to Sales(TTM) 3.39 | ||
Enterprise Value to Revenue 3.27 | Enterprise Value to EBITDA - | Shares Outstanding 26.50M | Shares Floating 25.61M |
Shares Outstanding 26.50M | Shares Floating 25.61M | ||
Percent Insiders 2.74 | Percent Institutions 99.87 |
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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