Palomar Holdings, Inc. (PLMR) P/E Ratio History
UndervaluedTrading at 20.3x vs 5Y avg 36.3x · 25th percentile · Below historical baseline · Data 2019–2026
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P/E Ratio Analysis
As of July 8, 2026, Palomar Holdings, Inc. (PLMR) trades at a price-to-earnings ratio of 20.3x, with a stock price of $145.29 and trailing twelve-month earnings per share of $7.21.
The current P/E is 44% below its 5-year average of 36.3x. Over the past five years, PLMR's P/E has ranged from a low of 16.6x to a high of 185.2x, placing the current valuation at the 25th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.3x, PLMR trades at a 42% premium to its sector peers. The sector includes 800 companies with P/E ratios ranging from 0.0x to 157.0x.
The PEG ratio of 0.21 (P/E divided by 60% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, PLMR trades at a notable discount to the S&P 500 median P/E of 25.9x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PLMR DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PLMR Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
PLMR P/E vs Peers
Property catastrophe and specialty property insurers peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $8B | 16.1 | 0.39 | +22% | |
| $3B | 15.3 | - | +42% | |
| $36B | 8.9 | 0.31 | +4% | |
| $6B | 14.2 | 0.70 | +17% | |
| $2B | 7.3 | 0.15 | +180% | |
| $826M | 4.3Lowest | 0.05Best | +214%Best | |
| $14B | 5.7 | 0.19 | +61% | |
| $15B | 9.9 | 0.41 | +19% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
PLMR Historical P/E Data (2019–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $119.50 | $7.18 | 16.6x | -75% |
| FY2025 Q4 | Dec 31 2025 | $134.76 | $7.18 | 18.8x | -72% |
| FY2025 Q3 | - | $116.75 | $6.41 | 18.2x | -73% |
| FY2025 Q2 | Jun 30 2025 | $154.25 | $5.69 | 27.1x | -60% |
| FY2025 Q1 | Mar 31 2025 | $137.08 | $5.01 | 27.4x | -59% |
| FY2024 Q4 | - | $105.59 | $4.48 | 23.6x | -65% |
| FY2024 Q3 | Sep 30 2024 | $94.67 | $4.21 | 22.5x | -67% |
| FY2024 Q2 | Jun 30 2024 | $81.15 | $3.79 | 21.4x | -68% |
| FY2024 Q1 | Mar 31 2024 | $83.83 | $3.48 | 24.1x | -64% |
| FY2023 Q4 | Dec 31 2023 | $55.50 | $3.12 | 17.8x | -74% |
| FY2023 Q3 | Sep 30 2023 | $50.75 | $2.83 | 17.9x | -73% |
| FY2023 Q2 | Jun 30 2023 | $58.04 | $2.27 | 25.6x | -62% |
| FY2023 Q1 | Mar 31 2023 | $55.20 | $2.15 | 25.7x | -62% |
| FY2022 Q4 | Dec 31 2022 | $45.16 | $2.03 | 22.2x | -67% |
| FY2022 Q3 | Sep 30 2022 | $83.72 | $1.94 | 43.2x | -36% |
| FY2022 Q2 | - | $64.40 | $1.78 | 36.2x | -46% |
| FY2022 Q1 | - | $63.99 | $1.68 | 38.1x | -44% |
| FY2021 Q4 | Dec 31 2021 | $64.77 | $1.75 | 37.0x | -45% |
| FY2021 Q3 | - | $80.83 | $1.04 | 77.9x | +15% |
| FY2021 Q2 | Jun 30 2021 | $75.46 | $0.41 | 185.2x | +174% |
| FY2021 Q1 | Mar 31 2021 | $67.04 | $0.42 | 160.6x | +138% |
| FY2020 Q4 | - | $88.84 | $0.27 | 332.1x | +392% |
| FY2020 Q3 | Sep 30 2020 | $104.24 | $0.79 | 131.9x | +96% |
| FY2020 Q2 | - | $85.76 | $1.72 | 49.9x | -26% |
| FY2020 Q1 | - | $58.16 | $1.54 | 37.8x | -44% |
| FY2019 Q4 | - | $50.49 | $0.42 | 120.2x | +78% |
| FY2019 Q3 | Sep 30 2019 | $39.42 | $0.15 | 262.8x | +290% |
Average P/E for displayed period: 67.5x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
7+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
PLMR — Frequently Asked Questions
Quick answers to the most common questions about buying PLMR stock.
What is PLMR's P/E ratio?
Palomar Holdings, Inc. (PLMR) trailing twelve-month P/E ratio is 20.3x, based on TTM diluted EPS of $7.21. The 5-year average P/E is 36.3x and the historical range spans 16.6x to 185.2x.
Is PLMR stock overvalued or undervalued?
PLMR trades at 20.3x P/E, below its 5-year average of 36.3x. At the 25th percentile of its historical range (16.6x–185.2x), the stock is priced at a discount to its own history.
Is PLMR stock expensive?
No, PLMR is not expensive on a historical basis. The current P/E of 20.3x is below the 5-year average of 36.3x and sits at the 25th percentile of its valuation range.
What is PLMR's historical P/E range?
Over the past 5 years, PLMR's P/E ratio has ranged from 16.6x to 185.2x, with a median of 25.6x and an average of 36.3x. The current P/E of 20.3x places the stock at the 25th percentile of this range. Full historical data spans 2019–2026.
How does PLMR's P/E compare to the S&P 500?
PLMR trades at 20.3x P/E versus the S&P 500 median of 25.9x. The 22% discount to the market suggests lower growth expectations or perceived higher risk.
How does PLMR's valuation compare to Financial Services peers?
Palomar Holdings, Inc. P/E of 20.3x compares to the Financial Services sector median of 14.3x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is PLMR's PEG ratio?
PLMR PEG ratio is 0.21, based on a P/E of 20.3x and EPS growth of 60.0%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is PLMR's earnings yield?
PLMR earnings yield is 4.93%, the inverse of its 20.3x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.