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Stock Ratings / Financials / PLGO
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Pelagos Insurance Capital Limited (PLGO) — RQD Stock Rating Cockpit

$26.50 +0.65% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $26.48

Pelagos Insurance Capital Limited (PLGO) carries a Roarable Rating of D (Sell) with 47/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $2.28B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PLGO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PLGO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Pelagos Insurance Capital Limited (NYSE: PLGO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $26.50 (+0.65% 1D, market cap $2.28B). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, PLGO ranks #719 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PLGO compare to HCI and SKWD in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), PLGO carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, HCI (HCI Group Inc.) holds a B+ grade (80/100 RQD, P/E 7.7x, ROIC 30.8%, cap $2.46B) and SKWD (Skyward Specialty Insurance Group Inc.) posts a B grade (74/100 RQD, P/E 15.3x, ROIC 16.8%, cap $2.62B). Among the 5-stock peer group, HCI leads on earnings multiple (7.7x) while HCI leads on capital efficiency (30.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PLGO?
▼

Per PLGO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001636639), Pelagos Insurance Capital Limited generated $2.50B in revenue (+3.3% YoY), $0 in net income, and -$408.3M in free cash flow against $12.44B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $26.48 (-0.07%)🧬 Dilution Drag (+1.92% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510047
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk D
Cash (7)Whales (15)SEC (10)Macro (10)CEO (5)
Each axis scored 0–20
12M PRICE TARGET CONE-4.9% Base Target
$30 Bull$25 Base$20 Bear
📬 FREE PLGO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PLGO)Realized 20D OHLCV Swing Band: ±4.1%
Deterministic 5-Pillar Attribution (47/100 Composite)
🔍 WHY PLGO SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (32% of score)

20D Institutional Volume Accumulation (±4.1% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
39
Grade E$24.66+3.2% Next Q
Q2 (-2Q)
42
Grade D$25.44+1% Next Q
Q3 (-1Q)
44
Grade D$25.70+3.1% Next Q
Current
47
Grade D$26.50-5.9% Hist 90D α
Trajectory: E (39) → D (47)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PLGO Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PLGO currently carries a cautious 47/100 (D) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Big institutional funds and options desks are actively positioning on the bullish side.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($24.77) and Max Pain ($27.83) forces dealer call-delta covering toward $29.72.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.92% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PLGO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PLGO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 47%NO 53%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
64.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
1 / 99-Pt Accounting
52-WEEK LASER RANGE99% OF RANGE
L: $18$26.50H: $27
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 7 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bearish Warning on PLGO

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (35)

14.0% ROIC with 42.0% gross margin and -18.08% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (50)

Altman-Z 4.20 and Piotroski 1/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (50)

20/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like PLGO
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PLGO)

  • ✓Walkthrough of PLGO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PLGO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.47%⚡ TESTING RESISTANCE
2026-11-03O $26.12H $26.50L $26.12C $26.50VOL 224.1K
RES: $26.59SUP: $21.61SMA50: $24.77SMA200: $22.45
$27.12$24.79$22.46$20.13$17.80RES $26.59SUP $21.61$26.502026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PLGO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PLGO Butterfly Map → + Track PLGO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PLGO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PLGO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PLGO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PLGO)

Financials Rank #719 of 1097 ⚔️ HCI vs PLGO Full Matrix →

1. Head-to-Head Financials Peer Comparison (PLGO vs. HCI, SKWD, KMPR, HMN)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Pelagos Insurance Capital Limited (PLGO) ranks #719 by composite RQD confidence (47/100, grade D) and #410 by equity capitalization ($2.28B). Within this direct 5-issuer industry benchmark cohort, HCI leads on earnings valuation at 7.7x trailing P/E, while HCI leads on capital efficiency and profitability with 30.8% ROIC and — gross margin. HCI currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with PLGO at 47/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PLGO ACTIVE
Pelagos Insurance Capital Limited
D 47/100 — — — +0.65% $2.28B Benchmark Subject
HCI
HCI Group Inc.
B+ 80/100 7.7x — 30.8% +1.80% $2.46B /hci-vs-plgo →
SKWD
Skyward Specialty Insurance Group Inc.
B 74/100 15.3x — 16.8% +3.54% $2.62B /skwd-vs-plgo →
KMPR
Kemper Corporation
C- 59/100 13.4x — 5.3% +5.60% $1.96B /kmpr-vs-plgo →
HMN
Horace Mann Educators Corporation
D+ 57/100 11.6x — 10.9% +2.27% $1.89B /hmn-vs-plgo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001636639 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pelagos Insurance Capital Limited (PLGO) reported GAAP revenue of $2.50B (+3.3% vs. FY2024 revenue of $2.42B , and -30.5% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of -$408.3M, and free cash flow of -$408.3M (-166.0% YoY). On the balance sheet, PLGO closed FY2025 with $12.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.50B $0 -$408.3M -$408.3M $12.44B —
FY2024 (FY) 2024-12-31 $2.42B $113.3M $618.2M $618.2M $11.77B —
FY2023 (FY) 2023-12-31 $3.60B $2.13B $495.2M $495.2M — —

3. PLGO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PLGO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Pelagos Insurance Capital Limited (NYSE: PLGO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $26.50 (+0.65% 1D, market cap $2.28B). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, PLGO ranks #719 in composite RQD confidence.

How does PLGO compare to HCI and SKWD in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), PLGO carries a Roarable D (47/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, HCI (HCI Group Inc.) holds a B+ grade (80/100 RQD, P/E 7.7x, ROIC 30.8%, cap $2.46B) and SKWD (Skyward Specialty Insurance Group Inc.) posts a B grade (74/100 RQD, P/E 15.3x, ROIC 16.8%, cap $2.62B). Among the 5-stock peer group, HCI leads on earnings multiple (7.7x) while HCI leads on capital efficiency (30.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PLGO?

Per PLGO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001636639), Pelagos Insurance Capital Limited generated $2.50B in revenue (+3.3% YoY), $0 in net income, and -$408.3M in free cash flow against $12.44B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PLGO trading relative to its 50-day, 200-day, and 52-week technical levels?

PLGO last traded at $26.50 (+0.65% on volume of 294,373 shares), positioning the stock +6.98% above its 50-day simple moving average ($24.77) and +18.04% above its 200-day simple moving average ($22.45). Across its 52-week range of $17.74 to $26.56, PLGO sits at the 99.3% percentile with a 14-day RSI of 64.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($25.41 to $27.59).

Direct Sub-Reports: PLGO RQD Cockpit PLGO 12M Forecast PLGO Earnings & Move PLGO Dividends & DRIP PLGO Insiders & 13F PLGO Whale Options PLGO Profit Sankey PLGO News & Why
ROARABLE RATING BRIEF • RQD 47/100 (D) ✓ SEC XBRL & RQD VERIFIED

PLGO — Pelagos Insurance Capital Limited: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Pelagos Insurance Capital Limited (PLGO) earns a live Roarable RQD composite score of 47/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $26.50 (+0.65% 1D, market capitalization $2.28B).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of -18.08%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (5/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Pelagos Insurance Capital Limited (PLGO) is listed on the NYSE and classified in the Financials sector, Property-Casualty Insurers industry. The profile describes the company as operating in property-casualty insurance with a market capitalization of $2.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Pelagos Insurance Capital Limited (PLGO) reported $2.50B in annual revenue (up from $2.42B in FY2024, +3.3% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2023 ($3.60B revenue, $2.13B net income) through FY2025, PLGO scaled operating cash flow to -$408.3M and free cash flow to -$408.3M, backed by $12.44B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 47/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of -18.08% and institutional whale pillar of 15/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $17.74 – $26.56 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Accordingly, upstream and downstream dependencies, sector correlations, and second-order bottlenecks cannot be mapped from the source data. — A prospective investor should note that the absence of recorded links is a data gap rather than evidence of an absence of dependencies.

  • Key Question #1: Can PLGO sustain or expand its — operating margin and — ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.50B and free cash flow of -$408.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PLGO's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PLGO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Pelagos Insurance Capital Limited (PLGO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PLGO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PLGO Bull vs. Bear Conversation Board — What's Your Call at $26.50?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PLGO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PLGO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $31.60 (+20.0%)
📌 Pinned Debate

Institutional accumulation and options positioning (15 / 20 whale flow pillar) partially offset weak fundamentals, with a moderate bala

Long PLGO at $26.33 targeting $31.60. Institutional accumulation and options positioning (15 / 20 whale flow pillar) partially offset weak fundamentals, with a moderate balance sheet reading (Debt/Equity 0.5).. Institutional whale score is 15/20 and the risk/reward vs. the $17.74 52-week low is skewed heavily in favor of bulls.

EarningsSniper 🐂 BULL

Both sides have a point here — PLGO's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FA FadeTheHype RQD DEBATE OPENER • Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $20.54 (-22.0%)
Spot @ $26.33

The stock carries a 0% ROIC, a -18.08% FCF yield, and a Piotroski F of 1/9 alongside a D-grade RQD score of 47 and a Distribution Warni

Here is the bear case nobody on the bull side wants to address on PLGO: The stock carries a 0% ROIC, a -18.08% FCF yield, and a Piotroski F of 1/9 alongside a D-grade RQD score of 47 and a Distribution Warning verdict.. At current EV/EBITDA multiples, even a small guidance miss in Property-Casualty Insurers triggers a 12-15% air pocket.

LIVE TAPE