PALOMAR HOLDINGS INC (PLMR)
Financials · Property and Casualty Insurance · NASDAQ
A technology-enabled specialty insurer providing diversified, data-driven property and casualty coverage with a focus on earthquake, E&S, and specialty lines.
What PALOMAR HOLDINGS INC does
Palomar Holdings is a specialty insurance company that provides property and casualty insurance products to individuals and businesses. The company utilizes proprietary data analytics and a technology-driven platform to offer customized pricing in both admitted and excess and surplus (E&S) lines. Its operations are organized into five primary product categories: Earthquake, Inland Marine and Property, Casualty, Crop, and Surety & Credit.
Themes: specialty insurance, catastrophe risk management, reinsurance, data-driven underwriting, excess and surplus insurance, insurtech
Fundamentals
- Price$130.09 as of 2026-08-21 close
- Market cap$3.4B as of 2026-08-21
- 1-year return+2.5% 2025-08-21 close $126.87 → 2026-08-21 close $130.09
- P/E16.59 as of 2026-08-24
- Net margin+18.8% as of 2026-08-24
- ROE+21.6% as of 2026-08-24
- Debt / equity0.30 as of 2026-08-24
- Revenue growth (YoY)+60.7% as of 2026-08-24
- Revenue CAGR (3y)+38.9% SEC XBRL
- Beta0.36 as of 2026-08-24
- Last reported earnings2026-08-04 SEC EDGAR Form 8-K (Item 2.02)
How PLMR compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)top 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
PLMR is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
50.4 #751 of 1,704 scored · #126 of 277 in Financials
Volume and participation 71st: trading volume is about normal versus its 30-day average; catalysts 68th: open-market insider buys in 90 days 21, analysts have raised their average price target by 0.1% since the prior reading; weakest is setup 37th: no fresh 20-day breakout up or down.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
How PALOMAR HOLDINGS INC looks technically
PALOMAR HOLDINGS INC (PLMR) is trading 4.3% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 17 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 5 trading days ago.
Trend
9
| Distance from the 200-day | it is trading 4.3% above its 200-day average, the long-term trend line — a longer-term uptrend | +4.3% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $130.32 | $130.32 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $124.72 | $124.72 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 24 calendar days ago — the swings before that are what the structure reading is measured on | 24 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 146.47. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 17 trading days ago — a "golden cross", a bullish long-term signal | 17 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 4.3% above | +4.3% |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 12, below the 25 that marks a real trend) | 12.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 49, neither overbought (above 70) nor oversold (below 30) | 48.7 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($123.60 to $139.06) — its "stochastic" reading is 42 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 42.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 27 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $147.62 | $147.62 |
|---|---|---|
| From the 52-week high | it is 11.9% below its 52-week high (its highest price of the past year) | -11.9% |
| Above the 52-week low | it is 29.0% above its 52-week low (its lowest price of the past year) | +29.0% |
| Below the 52-week high | it is 11.9% below its highest point of the past year | 11.9% |
| Since a 20-day breakout | it made a new 20-day low about 5 trading days ago | 5 sessions |
| Since a 55-day breakout | it made a new 55-day high about 34 trading days ago | 34 sessions |
| All-time high | its highest closing price on record is $175.85 (set on 2025-06-03) | $175.85 |
| Given back of the 52-week move | over the past year its closes ranged ($101.42 to $145.29), and it has given back roughly a third of its rise from last year’s low — 35% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $116.77 to $118.18. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 34.6% |
| From the all-time high | it is 26.0% below its all-time high | -26.0% |
| Nearest price level | it is trading 1.9% above a support level at $127.63 — a price it turned at six times since 2025-02-13, most recently on 2026-07-23. Since 2024-08-21 it has 10 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.9% |
| All-time low | its lowest closing price on record is $18.06 (set on 2019-04-17) | $18.06 |
| Above the all-time low | it is 620.3% above its all-time low | +620.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 61st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $4.93 between its high and its low — about 3.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $4.93 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $122.40 and $143.40 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $122.40 – $132.90 – $143.40 |
| Typical daily range (% of price) | its price moves about 3.8% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.8% |
| Stretch from the 200-day average | it is trading 1.1 daily ranges above its 200-day average price (4.3% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.1 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.35× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
4
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|---|---|
| Since a hammer | 9 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 9 sessions ago |
| Since a bullish engulfing | 1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 1 session ago |
| Since a bearish engulfing | 7 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 7 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.2% |
|---|---|---|
| Open gap | it gapped 2.5% above the previous close 3 sessions ago and has not traded back through the level it left behind at 123.92 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.5% |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +2.53% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.9 percentage points (the stock lost 4.6% while the market gained 2.3%) | -6.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 10.0 percentage points (the stock gained 13.1% while the market gained 3.1%) | +10.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 3.2 percentage points (the stock gained 7.9% while the market gained 11.1%) | -3.2% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 17.9 percentage points (the stock gained 2.5% while the market gained 20.5%) | -17.9% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 6.4% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 4% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $124.72 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | +4.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-08-04 (its 8-K), so the typical buyer over that stretch is under water. That average is $131.08 — a volume-weighted average of daily closes over 14 sessions, not a true tick-by-tick VWAP. | -0.8% |
Price levels it has turned at before
PLMR last closed at $130.09 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $127.63 | Support | 1.9% below the last close | turned there six times · 2025-02-13 to 2026-07-23 |
| $135.29 | Resistance | 4.0% above the last close | turned there 8 times · 2025-03-05 to 2026-04-17 |
| $121.98 | Support | 6.2% below the last close | turned there twice · 2025-04-07 to 2025-10-10 |
| $138.75 | Resistance | 6.7% above the last close | turned there twice · 2025-12-23 to 2026-01-05 |
| $119.07 | Support | 8.5% below the last close | turned there 7 times · 2025-03-07 to 2026-05-19 |
| $142.25 | Resistance | 9.3% above the last close | turned there twice · 2025-04-30 to 2026-07-20 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $146.47.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Recent golden cross (50-day crossed above 200-day) · Tested and reclaimed 200-day support · trendless / choppy (low ADX) · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.63 mean, 1=Strong Buy…5=Strong Sell) — 6 analysts
- Mean price target$163.17 range $152.00 – $168.00; median $166.00
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PLMR
- Consensus EPS estimate$2.59 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Potential for catastrophic events to cause significant losses and earnings volatility.","Dependence on reinsurance programs to mitigate risk and reduce earnings volatility.","Exposure to regulatory changes and conditions in the property and casualty insurance industry."]
What changed in the latest 10-Q
AI-assisted comparison of PLMR's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Reworded:
- Page number for Item 2 (Management's Discussion and Analysis of Financial Condition and Results of Operations) changed from 22 to 23
- Page number for Item 3 (Quantitative and Qualitative Disclosures About Market Risk) changed from 43 to 41
- Page number for Item 4 (Controls and Procedures) changed from 43 to 41
- Page number for Item 1 under PART II (Legal Proceedings) changed from 44 to 42
- Notes:
- These are table of contents page references only; actual content changes cannot be assessed from page numbers alone
- The comparison is limited to the section headers and page number references provided
Risk Factors
- Added:
- Recent Developments section added with statement: 'The Company successfully closed a 144A catastrophe bond transaction during the second quarter of 2026.'
- Product category change: 'Surety & Credit' added to five product categories list
- Insurance company subsidiary addition: 'Palomar Casualty and Surety Company (PCSC) carries an A- (Excellent) rating from A.M. Best'
- Reference to First Indemnity of America Insurance Co. (FIA) now includes 'A (Excellent) rating' instead of prior designation
- Removed:
- Product category 'Fronting' removed from five product categories (replaced by 'Surety & Credit')
- Reference to 'Inland Marine and Other Property' changed to 'Inland Marine and Property'
- Removal of reference to FIA carrying 'A- (Stable)' rating - now shows 'A (Excellent)' rating
- Sentence about timing of fronting partnerships removed: 'In addition, the volume of premiums ceded in fronting agreements each period may vary due to the timing of entering new fronting partnerships and terminations of fronting partnerships.'
- Reference to 'Surety' product introduction in recent years removed from the list
- Reworded:
- Annual Report reference changed from 'year ended December 31, 2024' to 'year ended December 31, 2025'
- Quarterly period reference changed from 'nine months ended September 30, 2025' to 'three months ended March 31, 2026'
- SEC filing date reference changed from 'February 25, 2025' to 'February 24, 2026'
- Gross written premiums figure changed from '$1.5 billion for the year ended December 31, 2024' to '$2.0 billion for the year ended December 31, 2025'
- CAGR for gross written premiums changed from 'approximately 57%' to 'approximately 55%'
- Net income growth CAGR changed from '43%' to '46%'
- Product introduction list reordered and modified: older version lists 'Crop, Environmental Liability, and E&S Casualty' while newer lists 'Crop, E&S Casualty, Surety and Environmental Liability'
- PSIC rating description changed from 'A rating' to 'A (Excellent) rating'
- PESIC rating description changed from 'A rating' to 'A (Excellent) rating'
- Text 'a significant amount of' changed to 'a significant amount of' (in Crop earned premiums context - 'most of' to 'a significant amount of')
- Notes:
- The newer filing text appears truncated at the end of the Commission and Other Income section, which may affect completeness of comparison
- FIA rating changed from A- (Stable) to A (Excellent), which represents a rating upgrade in the newer filing
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 15 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 2 sells ($163367) — 1 selling insider
- Last 90 days0 buys · 15 sells ($10M) — 4 selling insiders
- Last 180 days0 buys · 23 sells ($12M) — 6 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-31. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PLMR's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding PLMR as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 5,773,968
- Reported value $689,989,103
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PLMR had 864,571 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PLMR had 3.29% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.4 days to cover at the same settlement.
- Reported short interest (shares) 864,571
- Short interest (% of shares outstanding) 3.29%
- Prior settlement (shares) 1,137,277
- Reported change -23.98%
- Days to cover (reported) 3.4
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- RenaissanceRe (RNR)
- Arch Capital Group
- Everest Group (EG)
- Kinsale Capital Group (KNSL)
- James River Group (JRVR)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does PALOMAR HOLDINGS INC (PLMR) do?
Palomar Holdings is a specialty insurance company that provides property and casualty insurance products to individuals and businesses. The company utilizes proprietary data analytics and a technology-driven platform to offer customized pricing in both admitted and excess and surplus (E&S) lines. Its operations are organized into five primary product categories: Earthquake, Inland Marine and Property, Casualty, Crop, and Surety & Credit.
What sector is PALOMAR HOLDINGS INC (PLMR) in?
PALOMAR HOLDINGS INC (PLMR) is classified in the Financials sector. Its industry is Property and Casualty Insurance. It trades on NASDAQ.
Who are PALOMAR HOLDINGS INC's (PLMR) competitors?
Notable peers of PALOMAR HOLDINGS INC (PLMR) include RenaissanceRe, Arch Capital Group, Everest Group, Kinsale Capital Group and James River Group. This peer set is informational only — not financial advice.
Is PALOMAR HOLDINGS INC (PLMR) overbought or oversold right now?
PALOMAR HOLDINGS INC (PLMR) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 49, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PLMR come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.