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PLMR

Palomar Holdings Inc
Chart
135.44 USD
Latest Week 2026-07-17
Financial ServicesInsurance - Property & CasualtyMID
Snapshot 2026-07-19 · 0.6w · Fresh
0.32
OS Score
30.0%
Value
84.0%
Quality
19.0%
Momentum
6/9
F-Score
0.502
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
3 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
Rev +60%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.82
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
30.0%ile
P/E
18.2×
P/S
3.7×
P/B
3.7×
E/P
0.0662
FCF Yield
0.098
EBITDA/EV
0.070
SH Yield
0.010
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
74.00000000
/100 — 1=cheapest
VC2 (Trending Value)
74.00000000
/100
VC3 (Buyback)
76.00000000
/100
FCF yield of 9.8% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
84.0%ile
ROE
0.206
ROA
0.055
Net Margin
0.202
Op Margin
0.259
GPA
0.164
D/E
2.77
Current
0.95
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.603
Earn Growth
0.470
Stability
0.251
lower=better
Accruals
-0.048
lower=better
5yr Consist
Yes
ROE of 21% is exceptional. Highly leveraged with D/E of 2.77 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
19.0%ile
6M Return
5.4%
12M Return
-3.0%
12-1 Mom
-20.0%
Risk-Adj
-0.57
Vol 252d
34.7%
Vol 60d
83.9%
↑ Expanding
Max DD 12M
-20.7%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of -20% signals a downtrend — price is moving against you. Near-term vol (84%) is expanding vs long-term (35%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.32
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
0.2%
Sector Quality %ile
75.2%
P/E z-score
0.04
P/B z-score
-0.04
Sector Avg OS
85.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
CARE Carter Bank and Trust 99.0% 96.0% 96.0% 91.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 91.0%
RILYL BRC Group Holdings, Inc. 99.0% 94.0% 88.0% 95.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 89.0%
IX Orix Corp Ads 99.0% 98.0% 82.0% 90.0%
MRX Marex Group plc Ordinary Shares 98.0% 93.0% 81.0% 89.0%
MFG Mizuho Financial Group Inc. 98.0% 97.0% 70.0% 91.0%
RNR Renaissancere Holdings Ltd 98.0% 96.0% 94.0% 78.0%
Factor Interactions
Growth at Reasonable Price
Revenue growing 60% with P/E of 18×. Growth isn't fully priced in.
Leveraged Returns
Strong ROE (21%) boosted by high leverage (D/E 2.8). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (84%) significantly exceeds 252-day (35%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
55.7% avg (7 factors)
Quality
C
52.3% avg (8 factors)
Momentum
F
22.9% avg (4 factors)
Risk
C
58.8% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.320—0—
Value %ile0.300—1—
Quality %ile0.840—7—
Momentum %ile0.190—7—
F-Score6.000—0—
Confidence0.940—7—
Volatility0.347—0—
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
18.21
Earnings Yield (E/P)
0.0662
Price / Sales
3.67
Price / Book
3.74
Price / Cash Flow
9.73
FCF Yield
9.8%
EBITDA / EV
7.0%
Sales Yield (1/P·S)
0.2553
Shareholder Yield
Div + net buyback / mktcap
1.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
20.6%
Return on Assets
5.5%
Net Margin
20.2%
Operating Margin
25.9%
Gross Profit / Assets
Novy-Marx GPA
16.4%
Debt / Equity
2.77
Current Ratio
0.95
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.048
External Financing
Net issuance — lower=better
0.011
MomentumPrice trend strength over different horizons
6M Return
5.4%
12M Return
-3.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
-20.0%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
-0.57
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
60.3%
Earnings Growth (YoY)
47.0%
Earnings Stability (CV)
Lower = more stable
0.251
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Buyback Yield
1.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
74
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
74
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
76
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity