Palomar Holdings Inc is a United States-based company focused on the provision of specialty property insurance earthquake, wind, and flood insurance products. The company's core focus is on the residential and commercial earthquake markets in earthquake-exposed states such as California, Oregon, Washington, and states with exposure to the New Madrid Seismic Zone. It offers specialty property insurance products in the target markets to both individuals and businesses through multiple channels, including retail agents, program administrators, wholesale brokers, and in partnership with other insurance companies. Its products include Residential Earthquake, Commercial Earthquake, Specialty Homeowners, Inland Marine, Commercial All Risk, Hawaii Hurricane, Residential Flood and others.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	0.98
Equity-to-Asset	0.28
Debt-to-Equity	0.11
Debt-to-EBITDA	0.49
Interest Coverage	28.46
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.18	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	31.1
	3-Year EBITDA Growth Rate	146.5
	3-Year EPS without NRI Growth Rate	119.3
	3-Year FCF Growth Rate	33.6
	3-Year Book Growth Rate	10.1

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	47.89
	9-Day RSI	50.97
	14-Day RSI	52.25
	6-1 Month Momentum %	65.28
	12-1 Month Momentum %	67.79

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	1
	Shareholder Yield %	-0.72

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	21.07
	FCF Margin %	29.09
	ROE %	18.9
	ROA %	5.19
	ROIC %	6.54
	Years of Profitability over Past 10-Year	8

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	25.48
	PE Ratio without NRI	21.54
	Price-to-Owner-Earnings	27.05
	PEG Ratio	0.46
	PS Ratio	5.25
	PB Ratio	4.18
	Price-to-Tangible-Book	4.29
	Price-to-Free-Cash-Flow	18.08
	Price-to-Operating-Cash-Flow	17.04
	EV-to-EBIT	18.84
	EV-to-EBITDA	18.84
	EV-to-Revenue	5.38
	EV-to-FCF	18.5
	Price-to-Projected-FCF	1.85
	Price-to-Peter-Lynch-Fair-Value	0.86
	Price-to-Graham-Number	2.03
	Earnings Yield (Greenblatt) %	5.31
	FCF Yield %	5.52

GF Value: $164.53

PLMR

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