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Palomar Holdings, Inc. (PLMR) Stock Analysis

Recovery setup

HoldVALUE-TRAP 1/5High Confidence

Financial Services · Insurance - Property & Casualty

Hold if already holding. Not a fresh buy at $115.81, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.4%/30d (confirmed downtrend).

Palomar Holdings is a specialty insurance company offering earthquake, casualty, inland marine, crop, and fronting products through admitted and E&S market subsidiaries with an A-rated financial strength. Gross written premiums grew to $2.0 billion in 2025; the company... Read more

$115.81+16.7% A.UpsideScore 6.6/10#2 of 29 Insurance - Property & Casualty
QualityF-score7 / 9FCF yield17.58%
Stop $107.70Target $135.14(analyst − 13%)A.R:R 2.0:1
Analyst target$155.33+34.1%6 analysts
$135.14our TP
$115.81price
$155.33mean
$168

Hold if already holding. Not a fresh buy at $115.81, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.4%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 42. Maintain position. Not compelling to add more. Score 6.6/10, high confidence.

Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 75d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.

Recent Developments — Palomar Holdings, Inc.

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Attractive valuation
Risks
Below 200-MA, MA slope -2.4%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)15.8
P/E (Fwd)10.2
Mkt Cap$3.0B
EV/EBITDA12.2
Profit Mgn20.1%
ROE22.5%
Rev Growth59.7%
Beta0.49
DividendNone
Rating analysts14

Quality Signals

Piotroski F7/9MoatNarrow

Options Flow

P/C0.78neutral
IV44%normal
Max Pain$75-35.2% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMGeographicCalifornia31%
    10-K Item 1: 'California represents our largest current exposure with 31% of our gross written premiums for the year ended December 31, 2025'
  • MEDIUMProductearthquake insurance28%
    10-K Item 1: 'approximately 28% of our gross written premiums were related to earthquake insurance'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

GatesDeath cross (50MA < 200MA)Momentum 5.7>=5.5A.R:R 2.0 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 75d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
42 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $107.51Resistance $131.91

Price Targets

$108
$135
A.Upside+16.7%
A.R:R2.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Analyst Consensus

Analysts14
Consensus4.1/5
Avg Target$155

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-08-03 (75d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PLMR stock a buy right now?

Hold if already holding. Not a fresh buy at $115.81, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.4%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 42. Maintain position. Not compelling to add more. Target $135.14 (+16.7%), stop $107.70 (−7.5%), A.R:R 2.0:1. Score 6.6/10, high confidence.

What is the PLMR stock price target?

Take-profit target: $135.14 (+16.7% upside). Target $135.14 (+16.7%), stop $107.70 (−7.5%), A.R:R 2.0:1. Stop-loss: $107.70.

What are the risks of investing in PLMR?

Below 200-MA, MA slope -2.4%/30d (confirmed downtrend).

Is PLMR overvalued or undervalued?

Palomar Holdings, Inc. trades at a P/E of 15.8 (forward 10.2). TrendMatrix value score: 8.1/10. Verdict: Hold.

What do analysts say about PLMR?

14 analysts cover PLMR with a consensus score of 4.1/5. Average price target: $155.

What does Palomar Holdings, Inc. do?Palomar Holdings is a specialty insurance company offering earthquake, casualty, inland marine, crop, and fronting...

Palomar Holdings is a specialty insurance company offering earthquake, casualty, inland marine, crop, and fronting products through admitted and E&S market subsidiaries with an A-rated financial strength. Gross written premiums grew to $2.0 billion in 2025; the company distributes through retail agents, wholesale brokers, and program administrators, with California as its largest state at 31% of GWP.

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