US · PLMR
Palomar Holdings, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- La Jolla, CA 92037
- Website
- plmr.com
Price · as of 2025-12-31
$120.97
Market cap 3.28B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $153.22 | +26.66% |
| Intrinsic Value(DCF) | $4,841.36 | +3,902.12% |
| Graham-Dodd Method(GD) | $72.37 | -40.17% |
| Graham Formula(GF) | $471.97 | +290.15% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $5.66 | $10.04 | |||
| 2018 | $8.06 | $24.11 | |||
| 2019 | $54.36 | $58.73 | $1,029.76 | $9.06 | $30.10 |
| 2020 | $77.28 | $69.81 | $1,191.89 | $15.88 | $13.74 |
| 2021 | $59.05 | $62.14 | $2,960.62 | $24.49 | $95.60 |
| 2022 | $55.45 | $56.53 | $1,497.00 | $25.57 | $80.06 |
| 2023 | $74.32 | $68.47 | $403.39 | $34.79 | $71.72 |
| 2024 | $127.56 | $102.30 | $1,149.98 | $51.45 | $246.34 |
| 2025 | $126.60 | $153.22 | $3,562.29 | $72.37 | $471.97 |
AI valuation
Our deep-learning model estimates Palomar Holdings, Inc.'s (PLMR) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $153.22
- Current price
- $120.97
- AI upside
- +26.66%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$4,841.36
+3,902.12% upside
Graham-Dodd
$72.37
-40.17% upside
Graham Formula
$471.97
+290.15% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PLMR | Palomar Holdings, Inc. | $120.97 | 3.28B | +27% | +3,902% | -40% | +290% | 17.11 | 3.58 | 3.85 | 12.25 | 28.50 | 3.91 | 73.90% | 28.93% | 22.50% | 23.58% | 40.80% | 12.00% | 0.01 | 646.40 | — | — | -0.41 | 6004.00% | 5816.00% | 5675.00% | 12.13% | — | 84.67% | 0.00% | 0.00% | 1.89% | 12.70 | 7.87 | 3.67 | 4.02 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| APAM | Artisan Partners Asset Ma… | $40.28 | 2.84B | +88% | +72% | -34% | +56% | 9.89 | 6.54 | 2.40 | 6.19 | 92.77 | 6.54 | 45.72% | 33.39% | 24.26% | 70.14% | 60.82% | 18.17% | 0.93 | 46.73 | 20.33 | 20.33 | 0.32 | 1066.00% | 763.00% | -9963.00% | 0.05% | 0.10 | 0.27% | 0.00% | 0.00% | 0.00% | 7.57 | 2243.71 | 2.53 | 4.25 |
| BHF | Brighthouse Financial, In… | $59.98 | 3.43B | +104% | -60% | +116% | +512% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| FHB | First Hawaiian, Inc. | $24.76 | 3.06B | +54% | -6% | +2% | 0% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| HCI | HCI Group, Inc. | $176.42 | 2.29B | +13% | +3,630% | +26% | +308% | 6.18 | 1.90 | 2.20 | 0.46 | 3.44 | 1.91 | 73.16% | 47.65% | 33.19% | 42.88% | -55.79% | 13.46% | 0.03 | 46.89 | 145.90 | 145.90 | -2.62 | 17975.00% | 2021.00% | 3560.00% | 22.44% | 34.77 | -77.40% | 0.00% | 0.00% | 42.01% | 0.48 | 0.46 | 0.23 | 2.97 |
| KMPR | Kemper Corporation | $32.32 | 1.9B | -18% | -60% | -52% | -17% | 14.05 | 0.75 | 0.42 | 10.35 | — | 2.60 | 29.68% | 3.35% | 2.99% | 5.24% | 4.05% | 1.14% | 0.35 | 4.17 | — | — | 2.99 | -5336.00% | 362.00% | 6800.00% | 27.51% | — | 16.92% | 3.95% | 55.50% | 44.20% | 17.62 | 5.11 | 0.59 | 0.79 |
| RNST | Renasant Corporation | $37.65 | 3.58B | -32% | +73% | -17% | +88% | 10.27 | 0.75 | 1.93 | 2.25 | 38.39 | 1.25 | 62.92% | 23.60% | 18.83% | 7.86% | 15.01% | 1.10% | 0.20 | 0.65 | 0.14 | 0.14 | -2.00 | 2674.00% | 1410.00% | -878.00% | 5.77% | 0.01 | 8.89% | 2.68% | 27.50% | 27.04% | 2.54 | 5.38 | 0.60 | -0.58 |
About Palomar Holdings, Inc.
Palomar Holdings, Inc., an insurance holding company, provides specialty property insurance to residential and commercial customers. The company offers personal and commercial specialty property insurance products, including residential and commercial earthquake, commercial all risk, specialty homeowners, inland marine, Hawaii hurricane, and residential flood, as well as other products, such as assumed reinsurance, commercial flood, real estate error and omission, and real estate investor 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. Palomar Holdings, Inc. was incorporated in 2013 and is headquartered in La Jolla, California.
- CEO
- D. McDonald Armstrong
- Employees
- 253
- Beta
- 0.46
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($4,841.36 ÷ $120.97) − 1 = +3,902.12% (DCF, example).