The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear$76.44Fair value$190.05Bull$295.35
FairClose
52-week traded range
52W low $101.4252W high $145.29
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading below the consensus fair value
Palomar Holdings, Inc. closed at $133.66, 29.7% below the consensus fair value of $190.05 drawn from 8 valuation models.
Financial DNA score 72/100 — Strong. P/E of 18.6x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
$295.35
+121.0%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$76.44
-42.8%
√(22.5 × EPS × BVPS)
EPS=7.17, BVPS=36.22 · outside Graham range (P/E 18.6, P/B 3.7) — asset-light, treat as a rough floor
P/E Fair Value
$143.40
+7.3%
EPS × 20x (sector P/E)
EPS=7.17, Sector P/E=20x
Peter Lynch (PEG)
$215.10
+60.9%
EPS × Growth% (PEG = 1 is fair)
EPS=7.17, g=30%
EV/EBITDA
$171.79
+28.5%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=262.32M
Book Value (P/B)
$127.59
-4.5%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=36.22, ROE=20.1%, g=6%, r=10%
Reverse DCF
$133.66
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 6.2% | Historical: 40%
Margin of Safety
$128.80
-3.6%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=171.73, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.