Palomar Holdings, Inc. (PLMR) Stock & Financials
Data as of (550 days ago)|Source: SEC EDGAR
Palomar Holdings, Inc. (PLMR) is a property & casualty insurance company. The company reports annual revenue of $554M and net income of $118M. Its profit margin is 21.2%.
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Palomar Holdings, Inc. Key Financials(TTM Est.)
Data from SEC EDGAR filings. TTM = Trailing Twelve Months.
Palomar Holdings, Inc. Financial Health ScoreFY2025
Strong financial position with minor areas to watch
+6 pts YoYThis Financial Health Score is a proprietary metric calculated from SEC EDGAR filings for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Results vary significantly by industry. Conduct your own research before making investment decisions.
Data Highlights
- Altman Z-Score 0.59 (distress zone, below 1.8 threshold)
- Strong profit margin: 21.2%
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Palomar Holdings, Inc. Recent Events
Source: SEC EDGAR 8-K Filings
5-Year Revenue & Net Income Trend
Chart shows fiscal year data from SEC EDGAR filings. Hover over data points for details.
As of FY2025 · SEC 10-K Annual Filings · Updated Jun 30, 2026
About Palomar Holdings, Inc.
- Industry
- Property & Casualty Insurance
Valuation
Valuation Data UnavailablePrice-based valuation metrics (P/E, P/B) require real-time stock price data which is not included in SEC filings.
Benjamin Graham: Graham recommended P/E ratio not exceed 15 for reasonable valuation. Understanding valuation metrics
Profitability
Above-Average Marginsvs 10.3% sector median / 12.1% avg
Keeps 21 cents of every dollar in revenue as profit. Higher than 88% in Financials.
3rd consecutive year of revenue growth.
* Some quarterly data is missing. Values are calculated based on annual report figures.
Profit margin 75% above sector average.
Warren Buffett: Buffett looks for consistent ROE above 20% as a sign of competitive advantage. How to evaluate profitability
Financial Health
Balance Sheet Data LimitedInsufficient data to assess financial health.
Peter Lynch: Lynch: normal balance sheet has 75% equity, 25% debt. Understanding financial health
Dividend
Dividend Data UnavailableDividend yield data is not available from SEC filings. Check the company's investor relations page for dividend information.
As of FY2025 · SEC 10-K Annual Filings · Updated Jun 30, 2026
Palomar Holdings, Inc. 9-Year Revenue, Profit & Cash Flow History
Revenue has grown at a 40.0% CAGR over the past 8 years.
Net income reached a record high of $197M in FY2025.
Annual Financials
FY2025 - FY2017| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $876.0M(+58.2%) | $553.9M(+123.5%) | $247.8M(+47.1%) | $168.5M(-32.0%) | $247.8M(+239.6%) | $73.0M(-35.6%) | $113.3M(+55.3%) | $73.0M(+22.7%) | $59.5M |
| Net Income | $197.1M(+67.6%) | $117.6M(+156.4%) | $45.8M(+632.7%) | $6.3M(-86.4%) | $45.8M(+151.6%) | $18.2M(+71.5%) | $10.6M(-41.7%) | $18.2M(+381.6%) | $3.8M |
| Total Assets | $3.1B | $2.3B | $1.7B | $1.3B | $925.7M | $729.1M | $395.5M | $231.1M | - |
| Total Debt | - | - | - | - | - | - | - | - | - |
| Total Equity | $942.7M | $729.0M | $384.8M | $384.8M | $394.2M | $96.3M | $218.6M | $96.3M | $78.4M |
| Profit Margin | 22.5% | 21.2% | 18.5% | 3.7% | 18.5% | 25.0% | 9.4% | 25.0% | 6.4% |
| ROE | 20.9% | 16.1% | 11.9% | 1.6% | 11.6% | 18.9% | 4.9% | 18.9% | 4.8% |
| ROA | 6.5% | 5.2% | 2.7% | 0.5% | 5.0% | 2.5% | 2.7% | 7.9% | - |
Quarterly Financials
Last 8 quarters| Metric | Q1 2026 | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $174.6M | $244.7M | $203.3M | $174.6M | $148.5M | $131.1M | $118.5M | $90.9M |
| Net Income | $42.9M | $51.5M | $46.5M | $42.9M | $30.5M | $25.7M | $26.4M | $18.4M |
| Total Assets | $3.1B | $2.9B | $2.8B | $2.4B | $2.3B | $2.0B | $1.9B | $1.6B |
As of FY2025 · SEC 10-K Annual Filings · Updated Jun 30, 2026
3 insiders sold shares worth $183K, despite revenue growth of +58.2% YoY. Divergence signal strength: 50/100.
Insider Trading
Source: SEC EDGAR Form 4 filings. Only purchase (P) and sale (S) transactions shown.
Palomar Holdings, Inc. Free Cash Flow & Dividend Coverage
Generates approximately $1M in free cash flow per day.
Cash Flow History
FY2017 - FY2025| Metric | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating CF | $20.2M | $22.8M | $44.5M | $22.8M | $87.8M | $57.5M | $87.8M | $261.2M | $409.1M |
| CapEx | -$68,000 | -$332,000 | -$115,000 | -$332,000 | -$18,000 | -$132,000 | -$18,000 | -$243,000 | -$137,000 |
| Free Cash Flow | $20.2M | $22.5M | $44.4M | $22.5M | $87.8M | $57.4M | $87.8M | $260.9M | $409.0M |
| FCF Margin | 33.9% | 30.8% | 39.2% | 30.8% | 35.4% | 34.1% | 35.4% | 47.1% | 46.7% |
Source: SEC EDGAR 10-K filings. FCF = Operating Cash Flow - Capital Expenditures. Free cash flow guide
As of FY2025 · SEC 10-K Annual Filings · Updated Jun 30, 2026
Palomar Holdings, Inc. Risk Factors
Company-disclosed SEC risk factors
Risk factors are disclosed by the company in its SEC Form 10-K, Item 1A. Billiver does not classify or summarize company-specific legal, operational, financial, or market risks here.
Sector context: Financials. This is not a Billiver risk assessment for PLMR.
Source note: the SEC Form 10-K includes Item 1A, "Risk Factors." The full risk-factor text should be read from the company’s own SEC filing.
Palomar Holdings, Inc. FAQ
What is Palomar Holdings, Inc.'s annual revenue?
Palomar Holdings, Inc. (PLMR) reported $554 million in trailing twelve-month (TTM) revenue. This financial data is compiled from SEC EDGAR 10-K filings.
Is Palomar Holdings, Inc. profitable?
Yes, Palomar Holdings, Inc. is profitable with a 21.2% net profit margin and $118 million in net income (TTM). All figures from SEC EDGAR 10-K filings.
Does Palomar Holdings, Inc. pay dividends?
No, Palomar Holdings, Inc. (PLMR) does not currently pay dividends to shareholders.
What is Palomar Holdings, Inc.'s financial health score?
Palomar Holdings, Inc. has a financial health score of 83/100 (Grade: A), evaluating profitability, solvency, liquidity, and growth based on SEC EDGAR data.
How many years of Palomar Holdings, Inc. financial data are available?
9 years of financial data are available for Palomar Holdings, Inc. from FY2017 to FY2025. All figures are compiled from SEC EDGAR 10-K filings.