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PLMR 
Palomar Holdings Inc (PLMR)
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Upturn Advisory Summary
12/04/2025: PLMR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $160
1 Year Target Price $160
| 3 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.06% | Avg. Invested days 43 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.21B USD | Price to earnings Ratio 18.72 | 1Y Target Price 160 |
Price to earnings Ratio 18.72 | 1Y Target Price 160 | ||
Volume (30-day avg) 8 | Beta 0.5 | 52 Weeks Range 98.42 - 175.85 | Updated Date 12/4/2025 |
52 Weeks Range 98.42 - 175.85 | Updated Date 12/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.41 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.59% | Operating Margin (TTM) 27.5% |
Management Effectiveness
Return on Assets (TTM) 5.41% | Return on Equity (TTM) 22.24% |
Valuation
Trailing PE 18.72 | Forward PE - | Enterprise Value 3154623542 | Price to Sales(TTM) 4.13 |
Enterprise Value 3154623542 | Price to Sales(TTM) 4.13 | ||
Enterprise Value to Revenue 4.07 | Enterprise Value to EBITDA - | Shares Outstanding 26501692 | Shares Floating 25883673 |
Shares Outstanding 26501692 | Shares Floating 25883673 | ||
Percent Insiders 2.5 | Percent Institutions 95.78 |
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 the residential and commercial insurance markets. They've grown through organic expansion and strategic acquisitions.
Core Business Areas
- Specialty Property: Provides specialty property insurance, including earthquake, wind, and flood coverage.
- Casualty: Offers commercial casualty insurance products.
Leadership and Structure
Mac Armstrong serves as the Chairman and Chief Executive Officer. The company has a typical corporate structure with departments focusing on underwriting, claims, finance, and technology.
Top Products and Market Share
Key Offerings
- Commercial All Risk (CAR): CAR policies tailored to meet clients requirements, Market share data is difficult to pinpoint precisely due to the fragmented nature of the market, but Palomar is a significant player. Competitors include FM Global, AIG, Chubb, AXA XL
- Earthquake Insurance: Palomar is a leading provider of earthquake insurance, focusing on California and other earthquake-prone regions. Market share data is difficult to pinpoint precisely due to the fragmented nature of the market, but Palomar is a significant player. Competitors include GeoVera, ICAT, and several state-sponsored programs.
Market Dynamics
Industry Overview
The specialty insurance market is characterized by a need for specialized expertise in assessing and pricing risks. Regulatory hurdles and capital requirements are also significant factors.
Positioning
Palomar focuses on underserved or complex risks, allowing them to command higher premiums. They use technology to streamline underwriting and claims processes, giving them a competitive edge.
Total Addressable Market (TAM)
The TAM for specialty property and casualty insurance is estimated in the billions of dollars. Palomar is positioned to capture a growing share of this market by expanding geographically and offering new products.
Upturn SWOT Analysis
Strengths
- Specialized expertise in niche insurance markets
- Strong technology platform for underwriting and claims
- Disciplined underwriting practices
- Experienced management team
Weaknesses
- Relatively small size compared to larger insurance companies
- Concentration in specific geographic regions (California)
- Exposure to catastrophic events
- Reliance on reinsurance
Opportunities
- Geographic expansion into new markets
- Development of new insurance products
- Acquisition of complementary businesses
- Increasing demand for specialty insurance coverage
Threats
- Increased competition from larger insurance companies
- Changes in regulatory environment
- Economic downturn impacting demand for insurance
- Catastrophic events leading to significant claims
Competitors and Market Share
Key Competitors
- WRB
- AFG
- HIG
Competitive Landscape
Palomar's competitive advantage lies in its specialized expertise, technology platform, and disciplined underwriting. Disadvantages include smaller size and concentration in specific geographic regions. The total US commercial property insurance market is about 100 Billion dollars.
Major Acquisitions
Saberpoint Insurance Solutions
- Year: 2020
- Acquisition Price (USD millions): 46.5
- Strategic Rationale: Expanded Palomar's distribution network and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Revenue and earnings have grown significantly in recent years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued revenue growth in the coming years, driven by increasing demand for specialty insurance and expansion into new markets.
Recent Initiatives: Recent Initiatives: Palomar expanded into new states, introduced new insurance products and enhanced their technology platform.
Summary
Palomar is a growing specialty insurance company with a focus on underserved markets and complex risks. The company's strong technology platform and disciplined underwriting practices give it a competitive edge. Exposure to catastrophic events and reliance on reinsurance remain key risks, but the company is well-positioned for continued growth. It has a focus on innovation with new product offerings and is well-positioned for success
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Financial data is based on publicly available information and may be subject to change.
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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