Last 32 quarters of trend data · Financial Services · Specialty Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 19.37 | 12.74 | 16.29 | 19.03 | 16.35 | 15.61 | 22.95 | 21.83 | 20.46 | 20.58 | 20.29 | 20.15 | 13.60 | 17.38 | 21.03 | 20.29 | 15.47 | 123.12 | 28.25 | 28.57 | 25.30 |
| — | -18.4% | -29.0% | -12.8% | -20.1% | -24.2% | +13.1% | +8.3% | +50.4% | +18.4% | -3.5% | -0.7% | -12.0% | -85.9% | -25.5% | -29.0% | -38.9% | -93.9% | -29.6% | +7.4% | — | |
| P/S Ratio | 3.35 | 2.15 | 2.72 | 2.93 | 3.63 | 3.28 | 5.29 | 5.38 | 4.61 | 4.22 | 3.96 | 4.50 | 3.33 | 3.52 | 4.06 | 3.94 | 3.28 | 6.69 | 5.20 | 5.30 | 5.76 |
| — | -34.5% | -48.6% | -45.5% | -21.3% | -22.2% | +33.6% | +19.4% | +38.7% | +20.0% | -2.6% | +14.4% | +1.5% | -47.4% | -21.9% | -25.8% | -43.1% | -14.0% | -39.4% | -41.0% | -57.0% | |
| P/B Ratio | 4.54 | 3.38 | 3.49 | 3.41 | 3.91 | 3.66 | 5.02 | 4.75 | 3.94 | 3.56 | 3.90 | 4.26 | 2.98 | 3.04 | 3.55 | 3.47 | 3.02 | 5.87 | 4.39 | 4.36 | 4.28 |
| — | -7.7% | -30.5% | -28.3% | -0.9% | +2.7% | +28.6% | +11.6% | +32.4% | +17.2% | +9.9% | +22.6% | -1.4% | -48.2% | -19.0% | -20.3% | -29.4% | +5.3% | -16.6% | -7.3% | -31.3% | |
| P/FCF | 9.17 | 6.91 | 5.07 | 18.14 | 7.96 | 9.86 | 8.92 | 10.77 | 10.50 | 6.34 | 9.43 | 16.11 | 16.82 | 4.63 | 102.12 | 22.25 | 3.87 | 52.28 | 12.96 | 8.67 | 7.75 |
| — | -30.0% | -43.2% | +68.3% | -24.1% | +55.5% | -5.4% | -33.1% | -37.6% | +36.9% | -90.8% | -27.6% | +334.4% | -91.1% | +688.3% | +156.7% | -50.1% | +324.9% | -84.4% | — | -87.2% | |
| EV / EBITDA | 13.00 | 8.52 | 11.56 | 15.49 | 11.43 | 11.33 | 17.03 | 16.71 | 15.58 | 15.68 | 15.11 | 15.08 | 10.24 | 12.60 | 15.38 | 14.75 | 11.14 | 98.57 | 22.34 | 21.19 | 19.13 |
| — | -24.8% | -32.1% | -7.3% | -26.6% | -27.8% | +12.7% | +10.8% | +52.2% | +24.4% | -1.8% | +2.2% | -8.1% | -87.2% | -31.1% | -30.4% | -41.8% | -97.7% | -29.1% | -2.4% | — | |
| EV / EBIT | 15.89 | 9.10 | 12.22 | 15.49 | 12.29 | 11.53 | 17.39 | 16.90 | 15.58 | 15.68 | 15.11 | 15.08 | 10.24 | 12.60 | 15.38 | 14.75 | 11.14 | 98.57 | 22.34 | 21.19 | 19.13 |
| — | -21.0% | -29.7% | -8.3% | -21.1% | -26.5% | +15.1% | +12.1% | +52.2% | +24.4% | -1.8% | +2.2% | -8.1% | -87.2% | -31.1% | -30.4% | -41.8% | -97.7% | -29.1% | -2.4% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.9% | 42.1% | 45.9% | 68.8% | 72.0% | 47.2% | 51.3% | 51.2% | 50.0% | 44.9% | 49.6% | 50.5% | 55.5% | 52.6% | 51.4% | 48.1% | 48.9% | 28.0% | 45.9% | 44.9% | 48.8% |
| — | -11.0% | -10.7% | +34.3% | +44.0% | +5.3% | +3.6% | +1.4% | -9.8% | -14.7% | -3.5% | +5.1% | +13.4% | +87.9% | +11.8% | +6.9% | +0.2% | +48.2% | -5.5% | -35.6% | +197.1% | |
| Operating Margin | 28.9% | 23.2% | 22.2% | 19.2% | 28.7% | 27.4% | 29.8% | 30.8% | 28.9% | 26.0% | 25.4% | 29.0% | 31.7% | 27.0% | 25.5% | 25.4% | 28.2% | 6.4% | 23.0% | 24.4% | 29.2% |
| — | -15.3% | -25.5% | -37.7% | -0.7% | +5.7% | +17.2% | +6.1% | -9.0% | -3.7% | -0.2% | +14.3% | +12.6% | +318.5% | +10.9% | +3.8% | -3.6% | +3472.8% | -14.6% | -40.2% | +614.9% | |
| Net Margin | 22.5% | 16.9% | 16.7% | 15.4% | 22.2% | 21.0% | 23.1% | 24.6% | 22.5% | 20.6% | 19.6% | 22.3% | 24.6% | 20.3% | 19.4% | 19.4% | 21.2% | 5.3% | 18.3% | 18.6% | 22.7% |
| — | -19.6% | -27.7% | -37.4% | -1.3% | +2.3% | +18.1% | +10.4% | -8.6% | +1.5% | +0.9% | +14.7% | +16.1% | +281.3% | +6.1% | +4.3% | -6.9% | +1360.8% | -14.3% | -44.9% | +621.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 23.6% | 6.6% | 5.4% | 4.5% | 6.2% | 6.0% | 5.7% | 5.6% | 4.9% | 4.9% | 5.0% | 5.4% | 5.8% | 4.4% | 4.3% | 4.4% | 5.0% | 1.1% | 3.8% | 3.8% | 4.3% |
| — | +11.4% | -4.6% | -20.1% | +26.4% | +20.9% | +14.2% | +4.2% | -15.9% | +11.8% | +15.9% | +23.6% | +16.4% | +284.1% | +11.6% | +16.9% | +15.7% | +1662.6% | +17.4% | -16.5% | +947.4% | |
| ROA | 8.8% | 1.6% | 1.4% | 1.3% | 1.9% | 1.8% | 1.8% | 1.8% | 1.5% | 1.4% | 1.3% | 1.5% | 1.6% | 1.2% | 1.2% | 1.3% | 1.5% | 0.4% | 1.5% | 1.5% | 1.8% |
| — | -9.8% | -21.5% | -29.6% | +21.6% | +25.4% | +34.1% | +24.7% | -0.8% | +22.3% | +12.2% | +16.5% | +4.5% | +207.4% | -19.1% | -18.4% | -19.4% | +1212.5% | -2.6% | -27.8% | +814.7% | |
| ROIC | 25.5% | 6.3% | 4.3% | 3.9% | 6.8% | 6.6% | 6.3% | 6.0% | 5.3% | 5.2% | 5.2% | 5.4% | 5.6% | 4.3% | 4.2% | 4.5% | 5.2% | 1.1% | 3.8% | 4.1% | 4.7% |
| — | -4.3% | -30.6% | -34.8% | +29.1% | +25.4% | +20.9% | +12.0% | -6.2% | +20.8% | +23.2% | +19.0% | +7.7% | +306.1% | +9.1% | +9.6% | +10.6% | +3918.8% | +16.5% | -6.4% | +987.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.01 | — | 0.30 | 0.31 | — | — | — | — | 0.02 | — | — | 0.09 | 0.11 | 0.12 | 0.17 | 0.18 | 0.09 | 0.07 | 0.06 | 0.04 | — |
| — | — | — | — | — | — | — | — | -82.2% | — | — | -51.4% | +18.0% | +73.9% | +183.7% | +347.5% | — | — | — | — | — | |
| Debt / EBITDA | 0.03 | — | 3.74 | 5.25 | — | — | — | — | 0.32 | — | — | 1.23 | 1.53 | 2.07 | 2.96 | 3.02 | 1.43 | 4.83 | 1.25 | 0.78 | — |
| — | — | — | — | — | — | — | — | -79.1% | — | — | -59.4% | +7.0% | -57.1% | +137.2% | +286.0% | — | — | — | — | — | |
| Current Ratio | — | — | — | 0.95 | 0.96 | 0.96 | 0.95 | 1.01 | — | — | — | 1.06 | — | — | — | — | — | — | — | — | — |
| — | — | — | -5.8% | — | — | — | -4.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | — | — | 0.95 | 0.96 | 0.96 | 0.95 | 1.01 | — | — | — | 1.06 | — | — | — | — | — | — | — | — | — |
| — | — | — | -5.8% | — | — | — | -4.6% | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 647.40 | 17.49 | 15.11 | 17.93 | 826.65 | 505.80 | 697.28 | 632.92 | 523.83 | 443.56 | 149.33 | 47.43 | 41.66 | 29.30 | 22.64 | 23.19 | 63.76 | 20.25 | 165.80 | 206.20 | — |
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Includes 30+ ratios · 32 years · Updated daily
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Quick answers to the most common questions about buying PLMR stock.
Palomar Holdings, Inc.'s current P/E is 19.4x. The average P/E over the last 4 quarters is 16.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Palomar Holdings, Inc.'s current operating margin is 28.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Palomar Holdings, Inc.'s business trajectory between earnings reports.