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Upturn AI SWOT - About
PLMR 
Palomar Holdings Inc (PLMR)
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Upturn Advisory Summary
10/22/2025: PLMR (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $153.33
1 Year Target Price $153.33
| 3 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.52% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/22/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.03B USD | Price to earnings Ratio 19.91 | 1Y Target Price 153.33 |
Price to earnings Ratio 19.91 | 1Y Target Price 153.33 | ||
Volume (30-day avg) 8 | Beta 0.3 | 52 Weeks Range 85.00 - 175.85 | Updated Date 10/22/2025 |
52 Weeks Range 85.00 - 175.85 | Updated Date 10/22/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.68 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.71% | Operating Margin (TTM) 29.5% |
Management Effectiveness
Return on Assets (TTM) 5.09% | Return on Equity (TTM) 22.45% |
Valuation
Trailing PE 19.91 | Forward PE - | Enterprise Value 2928148623 | Price to Sales(TTM) 4.44 |
Enterprise Value 2928148623 | Price to Sales(TTM) 4.44 | ||
Enterprise Value to Revenue 4.31 | Enterprise Value to EBITDA - | Shares Outstanding 26783465 | Shares Floating 26148697 |
Shares Outstanding 26783465 | Shares Floating 26148697 | ||
Percent Insiders 2.47 | Percent Institutions 93.93 |
Upturn AI SWOT
Palomar Holdings Inc
Company Overview
History and Background
Palomar Holdings Inc. was founded in 2014. It is a specialty insurer focused on catastrophe-exposed insurance lines.
Core Business Areas
- Specialty Property: Provides specialty property insurance products, primarily focused on residential and commercial earthquake, wind, and flood risks.
- Casualty: Offers casualty insurance products, including professional liability, general liability, and workers' compensation.
Leadership and Structure
Mac Armstrong is the Founder and Chief Executive Officer. The company operates with a team of experienced insurance professionals and has a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Earthquake Insurance: Palomar is a significant provider of earthquake insurance, particularly in California. Market share data varies but they are a top 3 writer in many quake prone areas. Competitors include California Earthquake Authority (CEA), Zurich, and Liberty Mutual.
- Estimated Market Share: 10
- Estimated Market Share: 5
- Wind Insurance: Offers wind-exposed property insurance. Competitors include publicly traded insurance companies and various regional and national carriers.
- Estimated Market Share: 3
- Flood Insurance: Offers flood insurance products. Competitors include Wright Flood (Fidelity National Financial), Selective Insurance, and the National Flood Insurance Program (NFIP).
Market Dynamics
Industry Overview
The specialty insurance market is competitive, with a focus on managing risks in catastrophe-prone areas. Climate change and increasing frequency of natural disasters are key trends.
Positioning
Palomar focuses on underserved or specialized segments of the insurance market, offering tailored solutions and leveraging technology for underwriting and claims management.
Total Addressable Market (TAM)
The TAM for specialty property insurance is estimated to be in the tens of billions of dollars. Palomar is positioned to capture a growing share through expansion and innovation.
Upturn SWOT Analysis
Strengths
- Specialized Expertise
- Technology-Driven Underwriting
- Strong Reinsurance Relationships
- Agile Business Model
- Underpenetrated Market
Weaknesses
- Concentration in Catastrophe-Prone Areas
- Reliance on Reinsurance
- Limited Brand Recognition Compared to Larger Insurers
- Smaller Scale Than Major Competitors
Opportunities
- Geographic Expansion
- Product Diversification
- Increased Demand for Catastrophe Insurance
- Technological Advancements in Risk Modeling
- Partnerships and Acquisitions
Threats
- Increased Competition
- Catastrophic Events Impacting Financial Results
- Regulatory Changes
- Changes in Reinsurance Rates
- Economic Downturn
Competitors and Market Share
Key Competitors
- WRIGHT FLOOD (FNF)
- ASSURANT (AIZ)
- NEPHILA HOLDINGS LIMITED (Private)
Competitive Landscape
Palomar differentiates itself through its technology-driven underwriting, specialized expertise, and focus on underserved markets. It faces competition from larger, more established insurance companies.
Major Acquisitions
Savant Insurance
- Year: 2023
- Acquisition Price (USD millions): 11
- Strategic Rationale: Expanded its distribution channels and enhanced its presence in key markets.
Growth Trajectory and Initiatives
Historical Growth: Palomar has experienced significant growth since its founding, driven by expansion in existing markets and new product offerings.
Future Projections: Analysts project continued growth for Palomar, driven by increasing demand for catastrophe insurance and the company's competitive advantages.
Recent Initiatives: Palomar has focused on expanding its distribution network and enhancing its technology platform.
Summary
Palomar Holdings Inc. is a growing specialty insurer with a strong focus on catastrophe-exposed markets. Its technology-driven underwriting and agile business model provide a competitive advantage. The company faces risks associated with catastrophic events and increasing competition, but its growth trajectory remains positive due to expanding demand for tailored insurance solutions and strategic initiatives. It needs to be careful about risks in catastrophe-prone areas.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Palomar Holdings Inc. Investor Relations
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Market share information are approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Palomar Holdings Inc
Exchange NASDAQ | Headquaters La Jolla, CA, United States | ||
IPO Launch date 2019-04-17 | Founder, CEO & Chairman of the Board Mr. D. McDonald Armstrong | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 253 | Website https://plmr.com |
Full time employees 253 | Website https://plmr.com | ||
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, commercial all risk, excess national property, residential flood, and other miscellaneous property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, wholesale brokers, program administrators, and carrier 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 Jolla, California.
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