Palomar Holdings, Inc. (PLMR) has a MoatMap StockRank of 52/100 based on Quality (66/100), Value (43/100), and Momentum (30/100) factor scores. The current signal is HOLD. Palomar Holdings is a high-quality, fast-growing specialty insurer utilizing a capital-light, reinsurance-heavy model to generate exceptional ROE and ROIC. By underwriting niche risks (earthquake, specialty property) and transferring a significant portion of the risk to reinsurers, Palomar acts more like a high-margin fee generator than a traditional balance-sheet-heavy insurer. This fits Peter Lynch's growth-at-a-reasonable-price model and Terry Smith's asset-light compounder criteria, benefiting from structural repricing of climate and catastrophe risks.
Palomar Holdings, Inc. specializes in underwriting and insuring catastrophe-exposed property, primarily focusing on earthquake, wind, and flood insurance. The company uses proprietary technology and analytical models to accurately price and manage catastrophe risk, serving underserved markets. Palomar is a specialized insurer known for its data-driven underwriting approach in niche catastrophe-prone regions.
| Price | $108.68 |
| Market Cap | $2.9B |
| P/E (TTM) | 14.40 |
| P/E (Forward) | 9.24 |
| Price/Book | 2.86 |
| Return on Equity | 22.5% |
| Debt/Equity | 31.01 |
| Gross Margin | 28.7% |
| Operating Margin | 20.3% |
| Revenue Growth | 59.7% |
| Free Cash Flow | $528M |
Palomar Holdings, Inc. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).