Palomar Holdings, Inc.
PLMRFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Jul 18, 2026
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Daily timeframePalomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The $3.59B market capitalization puts PLMR squarely in mid-cap range for its industry. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as inland marine, Hawaii hurricane, excess national property, residential flood, and other property products, as well as assumed reinsurance and crop insurance products.
Market Cap
$3.59B
Beta
0.41
P/E (TTM)
18.73
P/E (Fwd)
12.09
EPS (TTM)
$7.23
EPS (Fwd)
$11.20
ROE
22.5%
ROA
5.3%
Cash
$56.5M
Total Debt
$297.4M
Free CF
$528.4M
52W Change
-2.9%
Annual Financials
Cash vs Debt
Palomar Holdings, Inc. carries $297.4M in total debt against $56.5M in cash reserves — debt is roughly 5.3x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company generates $528.4M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 22.5% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 5.3% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $247.8M (2021) to $876.0M (2025), reflecting a 254% increase over the period.
The relatively low beta of 0.41 suggests PLMR is a less volatile holding compared to the broader index. Palomar Holdings, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Palomar Holdings, Inc. and its sector.