Palomar Holdings, Inc.

PLMR US Financials Property & Casualty Insurance
S&P 600
$133.66
+0.56%
Delayed · cached 15 min

Fair value analysis

PLMR
Palomar Holdings, Inc.
FinancialsProperty & Casualty Insurance
$133.66
Close used for this calculation
$190.05Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
72/100
Profitability25/25
Returns15/25
Balance Sheet17/25
Efficiency15/25
Growth20/25
Strong
Quality radar
72Prof.25/25Ret.15/25Eff.15/25B.Sht17/25Growth20/25

Consensus fair value

$190.05
Below FV
▲ +42.2% against the close used
Model range $76.44 – $295.35
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.

Educational data only. Not a recommendation to buy, sell or hold any security.