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Palomar HoldingsPLMR -4.22%91 EV-to-OCF is 8.86 as of Aug. 08, 2026, which is 34% below its 10-year median of 13.50. GuruFocus rates PLMR with a GF Score™ of 91/100 and a GF Value™ of $147.05 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 504 Insurance companies, Palomar Holdings ranks worse than 60.71% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Palomar Holdings's Enterprise Value is $3,681 Mil.
Palomar Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $415 Mil. Therefore, Palomar Holdings's EV-to-OCF for today is 8.86.
The historical rank and industry rank for Palomar Holdings's EV-to-OCF or its related term are showing as below:
PLMR'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.92 Med: 13.5 Max: 92.88
Current: 8.86
During the past 10 years, the highest EV-to-OCF of Palomar Holdings was 92.88. The lowest was 6.92. And the median was 13.50.
PLMR's EV-to-OCF is ranked worse than 60.71% of 504
companies
in the Insurance industry
Industry Median: 6.85
vs PLMR: 8.86
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Palomar Holdings's PE Ratio (TTM) for today is calculated as:
Palomar Holdings's share price for today is $130.90.
Palomar Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.440.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Palomar Holdings EV-to-OCF Related Terms
Palomar Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Palomar Holdings's EV-to-OCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Palomar Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Palomar Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Palomar Holdings's EV-to-OCF falls into.
Palomar Holdings's current Enterprise Value is $3,681 Mil.
Palomar Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $415 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Palomar Holdings (PLMR) has a EV-to-OCF of 8.86 as of Aug. 08, 2026. This is 34% below median its historical median of 13.50. Over the past decade, Palomar Holdings' EV-to-OCF has ranged from 6.92 to 92.88. According to the industry distribution chart, Palomar Holdings ranks #306 out of 504 companies in the Insurance industry, placing it in the top 60.7%.
Is Palomar Holdings' EV-to-OCF too high?
Palomar Holdings' current EV-to-OCF of 8.86 is 34% below median its 10-year median of 13.50. Over the past 10 years, this metric has ranged from a low of 6.92 to a high of 92.88. The Insurance industry median EV-to-OCF is 6.85. Palomar Holdings' value of 8.86 is 29.3% above this industry median. Based on the distribution chart, Palomar Holdings ranks #306 out of 504 companies in the Insurance industry, which is below the industry midpoint. Overall, Palomar Holdings has a GF Score™ of 91/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Palomar Holdings' EV-to-OCF compare to LMND and SKWD?
According to the Insurance industry distribution chart, Palomar Holdings ranks #306 out of 504 companies for EV-to-OCF. This places Palomar Holdings in the lower half of its industry. The industry median EV-to-OCF is 6.85. Palomar Holdings' value of 8.86 is 29.3% above this benchmark. Historically, Palomar Holdings' own EV-to-OCF has ranged from 6.92 to 92.88 over the past decade. While the company's 10-year median is 13.50 vs. the industry median of 6.85, 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.85, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Palomar Holdings's current EV-to-OCF of 8.86 is 29.3% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palomar Holdings's current EV-to-OCF is 8.86, which is 34% below median its own 10-year median of 13.50. 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 $147.05, compared to a current price of $130.90 — trading 11% below its estimated fair value. The current EV-to-OCF is 8.86, which is 34% below median its 10-year median of 13.50 and 29.3% above the Insurance industry median of 6.85. Palomar Holdings' overall GF Score™ is 91/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Palomar Holdings (PLMR), the current EV-to-OCF is 8.86 as of Aug. 08, 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 $130.90 is trading 11% below its estimated GF Value™ of $147.05.
GuruFocus considers Palomar Holdings to be Modestly Undervalued.
Key valuation signals for PLMR:
EV-to-OCF: 8.86 (34% below median its 10-year median of 13.50)
GF Value™: $147.05 vs. price of $130.90 (11% below fair value)
Industry Position: 29.3% above the Insurance median (#306 of 504)
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.
91GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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