Palomar Holdings Inc. (PLMR) earns a Roarable Rating of B+ (Buy) with 77/100 RQD Confidence. High-quality cash engine (steady margins, 21% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-03, Palomar Holdings Inc. (NASDAQ: PLMR) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $145.02 (+3.35% 1D, market cap $3.69B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, PLMR ranks #21 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), PLMR carries a Roarable B+ (77/100 RQD), trailing P/E of 18.3x, gross margin of —, and ROIC of 20.9%. By comparison, LMND (Lemonade Inc.) holds a E grade (21/100 RQD, P/E N/A, ROIC -31.1%, cap $3.32B) and SLDE (Slide Insurance Holdings Inc.) posts a A- grade (84/100 RQD, P/E 7.2x, ROIC 39.9%, cap $3.25B). Among the 5-stock peer group, AGO leads on earnings multiple (6.2x) while SLDE leads on capital efficiency (39.9% ROIC).
Per PLMR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001761312), Palomar Holdings Inc. generated $876.0M in revenue (+58.2% YoY), $197.1M in net income, and $409.0M in free cash flow against $3.05B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)
SEC XBRL FY 2025 (10-K): 46.7% FCF Margin ($409.0M FCF) & 52% Gross Margin
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
Even with a 77/100 (B+) score, PLMR faces multiple-compression risk if 18.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($133.55) or 200D SMA ($126.39) invalidates the momentum regime and cuts Target Base ($157.42) toward Bear Floor ($118.92).
Palomar Holdings Inc. (PLMR) surged +3.35% to $145.02, trading at 94% of its 52-week range ($100.81 – $147.62). High-quality cash engine (steady margins, 21% return on capital) with steady institutional support.
Yahoo Finance report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Yahoo! Finance Canada report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
CNA Financial (CNA) delivered earnings and revenue surprises of -35.35% and -1.82%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
AIZ's Q3 earnings are expected to have fallen 20.2% despite 6% revenue growth, as strength in Global Lifestyle and Housing faces rising expense pressures.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +58.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PLMR today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PLMR. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Palomar Holdings Inc. (PLMR) ranks #21 by composite RQD confidence (77/100, grade B+) and #323 by equity capitalization ($3.69B). Within this direct 5-issuer industry benchmark cohort, AGO leads on earnings valuation at 6.2x trailing P/E, while SLDE leads on capital efficiency and profitability with 39.9% ROIC and — gross margin. SLDE currently holds the highest overall quantitative score in the immediate peer group at 84/100 (A-) compared with PLMR at 77/100 (B+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PLMR
ACTIVE
Palomar Holdings Inc. | B+ | 77/100 | 18.3x | — | 20.9% | +3.35% | $3.69B | Benchmark Subject |
| LMND Lemonade Inc. | E | 21/100 | — | — | -31.1% | -4.07% | $3.32B | /lmnd-vs-plmr → |
| SLDE Slide Insurance Holdings Inc. | A- | 84/100 | 7.2x | — | 39.9% | -0.72% | $3.25B | /slde-vs-plmr → |
| NMIH NMI Holdings Inc. | B | 73/100 | 8.4x | — | 15.0% | +1.76% | $3.21B | /nmih-vs-plmr → |
| AGO Assured Guaranty Ltd. | D+ | 54/100 | 6.2x | — | 8.9% | +2.06% | $3.10B | /ago-vs-plmr → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Palomar Holdings Inc. (PLMR) reported GAAP revenue of $876.0M (+58.2% vs. FY2024 revenue of $553.9M , and +133.0% cumulative change since FY2023) , GAAP net income of $197.1M, operating cash flow of $409.1M, and free cash flow of $409.0M (+56.8% YoY). On the balance sheet, PLMR closed FY2025 with $3.05B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $876.0M | $197.1M | $409.1M | $409.0M | $3.05B | — |
| FY2024 (FY) | 2024-12-31 | $553.9M | $117.6M | $261.2M | $260.9M | $2.26B | — |
| FY2023 (FY) | 2023-12-31 | $375.9M | $79.2M | $116.1M | $116.1M | — | — |
As of 2026-11-03, Palomar Holdings Inc. (NASDAQ: PLMR) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $145.02 (+3.35% 1D, market cap $3.69B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, PLMR ranks #21 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), PLMR carries a Roarable B+ (77/100 RQD), trailing P/E of 18.3x, gross margin of —, and ROIC of 20.9%. By comparison, LMND (Lemonade Inc.) holds a E grade (21/100 RQD, P/E N/A, ROIC -31.1%, cap $3.32B) and SLDE (Slide Insurance Holdings Inc.) posts a A- grade (84/100 RQD, P/E 7.2x, ROIC 39.9%, cap $3.25B). Among the 5-stock peer group, AGO leads on earnings multiple (6.2x) while SLDE leads on capital efficiency (39.9% ROIC).
Per PLMR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001761312), Palomar Holdings Inc. generated $876.0M in revenue (+58.2% YoY), $197.1M in net income, and $409.0M in free cash flow against $3.05B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.
PLMR last traded at $145.02 (+3.35% on volume of 227,334 shares), positioning the stock +8.59% above its 50-day simple moving average ($133.55) and +14.74% above its 200-day simple moving average ($126.39). Across its 52-week range of $100.81 to $147.62, PLMR sits at the 94.4% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.2% ($136.03 to $154.01).
Palomar Holdings Inc. (PLMR) earns a live Roarable RQD composite score of 77/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $145.02 (+3.35% 1D, market capitalization $3.69B).
Palomar Holdings Inc. (PLMR) is a NASDAQ-listed issuer in the Financials sector, operating within the Property-Casualty Insurers industry (per the company profile).
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Palomar Holdings Inc. (PLMR) reported $876.0M in annual revenue (up from $553.9M in FY2024, +58.2% YoY) and $197.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($375.9M revenue, $79.2M net income) through FY2025, PLMR scaled operating cash flow to $409.1M and free cash flow to $409.0M, backed by $3.05B in total assets against $0 in total debt.
Supply_chain is NONE and butterfly_links is empty. — for upstream or downstream dependencies. Sector correlations and 2nd-order bottlenecks are not provided by the source. The one sector-level reference in the news wire, the Q2 Property & Casualty Insurance comparison, indicates PLMR is being discussed alongside peers, but the source does not quantify those correlations.
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Yahoo Finance report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Yahoo! Finance Canada report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Palomar Holdings Inc. (PLMR) market action, institutional positioning, and fundamental catalysts.
Here is why I am bullish on PLMR here at $140.32: ROIC of 20.9% and an FCF yield of 11.33% indicate strong cash generation relative to the company's market value.. Compare PLMR's 0.0% operating margin and 20.9% ROIC against the rest of Property-Casualty Insurers. As long as cash conversion holds up, dips toward $133.30 are getting bought.
@BreakoutHunter Agree on the RQD 77/100 quality, though with 1.0 beta I'm scaling in with half-size at $140.32 and keeping dry powder in case we test $130.50.
Sitting on the sidelines or leaning short PLMR above $140.32. A Seeking Alpha headline argues the valuation bargain disappears once add-backs are stripped out.. Until Fundamental Cash Engine (17/20) and FCF yield (11.33%) inflect higher, upside is capped near $147.62.
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