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Palomar HoldingsPLMR +1.47%87 3-Year EBITDA Growth Rate is 50.40% as of Mar. 2026, which is 35% above its 10-year median of 37.20. GuruFocus rates PLMR with a GF Score™ of 87/100 and a GF Value™ of $153.44 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 291 Insurance companies, Palomar Holdings ranks better than 85.22% on this metric.
During the past 12 months, Palomar Holdings's average EBITDA Per Share Growth Rate was 46.50% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 50.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 80.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 10 years, the highest 3-Year average EBITDA Per Share Growth Rate of Palomar Holdings was 146.50% per year. The lowest was -0.80% per year. And the median was 37.20% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Palomar Holdings 3-Year EBITDA Growth Rate Related Terms
PLMR vs LMND, SKWD, SLDE: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Palomar Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Palomar Holdings 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Palomar Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Palomar Holdings's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 50.40% mean?
Palomar Holdings (PLMR) has a 3-Year EBITDA Growth Rate of 50.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Palomar Holdings and its competitors. This is 35% above median its historical median of 37.20. According to the industry distribution chart, Palomar Holdings ranks #43 out of 291 companies in the Insurance industry, placing it in the top 14.8%.
Is Palomar Holdings' 3-Year EBITDA Growth Rate too high?
Palomar Holdings' current 3-Year EBITDA Growth Rate of 50.40% is 35% above median its 10-year median of 37.20. The Insurance industry median 3-Year EBITDA Growth Rate is 17.20. Palomar Holdings' value of 50.40% is 193% above this industry median. Based on the distribution chart, Palomar Holdings ranks #43 out of 291 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Palomar Holdings has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Palomar Holdings' 3-Year EBITDA Growth Rate compare to LMND and SKWD?
According to the Insurance industry distribution chart, Palomar Holdings ranks #43 out of 291 companies for 3-Year EBITDA Growth Rate. This places Palomar Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 17.20. Palomar Holdings' value of 50.40% is 193% above this benchmark. While the company's 10-year median is 37.20 vs. the industry median of 17.20, Palomar Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.20, based on 291 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Palomar Holdings's current 3-Year EBITDA Growth Rate of 50.40% is 193% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Palomar Holdings and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palomar Holdings's current 3-Year EBITDA Growth Rate is 50.40%, which is 35% above median its own 10-year median of 37.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Palomar Holdings stock overvalued right now?
Based on GuruFocus' analysis, Palomar Holdings (PLMR) is currently considered Modestly Undervalued. The stock's GF Value™ is $153.44, compared to a current price of $135.76 — trading 11.5% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 50.40%, which is 35% above median its 10-year median of 37.20 and 193% above the Insurance industry median of 17.20. Palomar Holdings' overall GF Score™ is 87/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Palomar Holdings (PLMR), the current 3-Year EBITDA Growth Rate is 50.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Palomar Holdings (PLMR) Overvalued in 2026?
Based on GuruFocus' analysis, Palomar Holdings stock appears to be undervalued.
The current stock price of $135.76 is trading 11.5% below its estimated GF Value™ of $153.44.
GuruFocus considers Palomar Holdings to be Modestly Undervalued.
Key valuation signals for PLMR:
3-Year EBITDA Growth Rate: 50.40% (35% above median its 10-year median of 37.20)
GF Value™: $153.44 vs. price of $135.76 (11.5% below fair value)
Industry Position: 193% above the Insurance median (#43 of 291)
No single metric tells the full story. See the PLMR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Palomar Holdings Inc that provides property and casualty insurance products to individuals and businesses. It provides insurance products serving five categories: Earthquake, Inland Marine and Other Property, Casualty, Fronting, and Crop. Company distribute products through multiple channels, including retail agents, program administrators, wholesale brokers, and partnerships with other insurance companies. The company's Earthquake product generate high premium.
87GF Score
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