Palomar Holdings stock
PLMRNASDAQPalomar Holdings, Inc., Financial ServicesISIN US69753M1053
82Score 82 out of 100, Strong
Price and trend
86 / 100
Price history
+20% in one yearThe chart shows daily closes over 8 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 24% above it.
Since July 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 69).
The price is 1.7% below its 52-week high. Largest decline in 8 years: 63% (September 2020 to December 2022).
Chart figures for advanced users
- SMA 50$137.14
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$127.49
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)69
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$101.42
- The lowest closing price of the last twelve months.
- Resistance$161.08
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Palomar Holdings, Inc. belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $4.16B, is number 32 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $197.07M (up 67.6% year on year).
- MEQIRI Score 82 out of 100 (Strong): rank 54 of 975 in Financial Services, median 68.
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- The P/E is 19.7 (Insurance (Property & Casualty) median 12.3, own median of recent years 22.4).
- Our model puts fair value at $145.46, with the price 9% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 96.9% a year since 2020.Growth 100
- High return on equityReturn on equity 22.4% over the last 12 months.Profitability 81
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 97
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are growth and fundamentals.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
- price near its 52-week high
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $111.90 and expensive above $207.81 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $191.72 (excess return model) and $99.21 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $129.49, at 7.8% it would be $169.43.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.3).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 58.9% on the twelve months before. Revenue has grown strongly since 2016, at around 40% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 29%, net 22%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 10 Feb 2027in 89 days
- Last reported
- 4 Nov 2026EPS reported $3.01 (expected $2.56)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $10.13+0.6%
- Revenue
- $2.62B0.0%
- Earnings per share
- $11.25+0.3%
- Revenue
- $3.13B0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +0.5%2026 adjusted net income guidance raised to $270 to $280 million (third increase), and crop premium outlook to over $400 million from about $320 million.
“Our strong year-to-date performance and up-to-date sales results informed the increase of our full-year crop premium outlook to more than $400 million for calendar year 2026, up from our previous outlook of approximately $320 million. 2026's performance further strengthens our conviction that crop can ultimately …”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $135 in total. 4 insiders sold, $10.76M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Armstrong MacSale
21 Oct 2026, CEO and Chairman
- Shares
- 3,500
- Price
- $138.31
- Value
- $484,097
- Armstrong MacSale
21 Sept 2026, CEO and Chairman
- Shares
- 3,500
- Price
- $134.98
- Value
- $472,445
- Bradley DarylPurchase
2 Sept 2026, Board
- Shares
- 1.02
- Price
- $131.96
- Value
- $135
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- Armstrong MacSale
21 Aug 2026, CEO and Chairman
- Shares
- 3,500
- Price
- $130.60
- Value
- $457,111
- Uchida T ChristopherSale
18 Aug 2026, Chief Financial Officer
- Shares
- 791
- Price
- $127.74
- Value
- $101,043
- Armstrong MacSale
21 Jul 2026, CEO and Chairman
- Shares
- 3,500
- Price
- $137.26
- Value
- $480,424
- Christianson JonSale
20 Jul 2026, President
- Shares
- 3,000
- Price
- $139.50
- Value
- $418,500
- Armstrong MacSale
15 Jul 2026, CEO and Chairman
- Shares
- 57,544
- Price
- $131.66
- Value
- $7.58M
- Christianson JonSale
2 Jul 2026, President
- Shares
- 4,429
- Price
- $139.50
- Value
- $617,846
- Carter TimothySale
28 Jun 2026, Chief People Officer
- Shares
- 480
- Price
- $124.29
- Value
- $59,661
- Uchida T ChristopherSale
18 May 2026, Chief Financial Officer
- Shares
- 783
- Price
- $115.26
- Value
- $90,249
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Palomar Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 82
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Selective Insurance GroupSIGI $6.16B80
- HagertyHGTY $5.43B56
- Mercury GeneralMCY $4.79B66
- Accelerant HoldingsARX $4.32B49
- Protector ForsikringPROT.OL $4.13B81
- LemonadeLMND $3.35B23
- Slide Insurance HoldingsSLDE $3.04B83
- Skyward Specialty Insurance GroupSKWD $2.78B74
ETFs that hold Palomar Holdings
Held by 14 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.23% | 0.39% | €1.47B |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.23% | 0.30% | €2.31B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.20% | 0.30% | €185.82M |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.14% | 0.30% | €4.28B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.14% | 0.30% | €2.22B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.14% | 0.43% | €2.5B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.05% | 0.10% | €395.74M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.04% | 0.35% | €8.27B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 30 Nov 2023)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.