Palomar Holdings, Inc.
PLMR Nasdaq· Fire, Marine & Casualty Insurance
Last close · Oct 23, 2026
$141.78
KIRA · Stoqly’s AI analyst, in plain words
- Palomar Holdings, Inc. had $876M of revenue in fiscal 2025, up 58.2% on the year before. Over five years, revenue changed +39.1% a year on average.
- Palomar Holdings, Inc. made $197M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew 54.6% a year.
- Free cash flow was $409M in fiscal 2025, 46.7% of revenue.
- Palomar Holdings, Inc. returned $37.3M to shareholders in fiscal 2025, 9% of free cash flow. The diluted share count rose 4.8%.
- Palomar Holdings, Inc. has $107M more cash than debt.
Market cap
$3.8B
P/E
19.1x
Revenue
$876M
Net income
$197M
Free cash flow
$409M
Operating margin
—
Palomar Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+58.2%
Yes. Sales grew 58.2% last year.
Does it make a profit?
22.5%
Yes. It keeps 22.5% of every sale as profit.
Does profit turn into cash?
46.7%
Yes. 46.7% of sales ends up as free cash.
How is the share priced?
19.1x
One share costs 19.1 times its yearly profit per share.
What Palomar Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 24, 2026
- Legal name
- Palomar Holdings, Inc.
- CIK
- 0001761312
Palomar Holdings, Inc. · PLMR
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $248M | $327M | $376M | $554M | $876M |
| Revenue growth | 47.1% | 32.0% | 14.9% | 47.3% | 58.2% |
| Net income | $45.8M | $52.2M | $79.2M | $118M | $197M |
| Net margin | 18.5% | 15.9% | 21.1% | 21.2% | 22.5% |
| Diluted EPS | $1.76 | $2.02 | $3.13 | $4.48 | $7.17 |
| Cash | |||||
| Cash from operations | $87.8M | $170M | $116M | $261M | $409M |
| Capital expenditure | $0.0M | $0.3M | $0.0M | $0.2M | $0.1M |
| Free cash flow | $87.8M | $169M | $116M | $261M | $409M |
| FCF margin | 35.4% | 51.8% | 30.9% | 47.1% | 46.7% |
| Share buybacks | $15.9M | $34.4M | $22.3M | $0.0M | $37.3M |
| Share count change | 2.0% | −1.2% | −1.8% | 3.5% | 4.8% |
| Debt and strength | |||||
| Cash and short-term investments | $50.3M | $68.1M | $51.5M | $80.4M | $107M |
| Debt incl. finance leases | — | — | — | — | $0.0M |
| Shareholders' equity | $394M | $385M | $471M | $729M | $943M |
| Returns and quality | |||||
| Return on equity | 12.1% | 13.4% | 18.5% | 19.6% | 23.6% |
| Return on tangible equity | 11.9% | 13.9% | 16.9% | 16.2% | 21.6% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$21.9M
7 insiders
Of sales under plans
38%
$8.3M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Palomar Holdings, Inc. · PLMR
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $141.78 a share, the company is worth $3.8B: 19.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001761312). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.