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Palomar HoldingsPLMR 90 Equity-to-Asset is 0.27 as of Mar. 2026, which is 25% below its 10-year median of 0.36. GuruFocus rates PLMR with a GF Score™ of 90/100 and a GF Value™ of $153.53 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 504 Insurance companies, Palomar Holdings ranks better than 52.58% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Palomar Holdings's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $959.0 Mil. Palomar Holdings's Total Assets for the quarter that ended in Mar. 2026 was $3,612.3 Mil.
Therefore, Palomar Holdings's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.27.
The historical rank and industry rank for Palomar Holdings's Equity-to-Asset or its related term are showing as below:
PLMR'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.26 Med: 0.36 Max: 0.64
Current: 0.27
During the past 10 years, the highest Equity to Asset Ratio of Palomar Holdings was 0.64. The lowest was 0.26. And the median was 0.36.
PLMR's Equity-to-Asset is ranked better than 52.58% of 504
companies
in the Insurance industry
Industry Median: 0.26
vs PLMR: 0.27
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Palomar Holdings Equity-to-Asset Related Terms
Palomar Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Palomar Holdings's Equity-to-Asset 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.
PLMR vs LMND, SKWD, SLDE: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, Palomar Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Palomar Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Palomar Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Palomar Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.27 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Palomar Holdings and its competitors. This is 25% below median its historical median of 0.36. Over the past decade, Palomar Holdings' Equity-to-Asset has ranged from 0.26 to 0.64. According to the industry distribution chart, Palomar Holdings ranks #239 out of 504 companies in the Insurance industry, placing it in the top 47.4%.
Is Palomar Holdings' Equity-to-Asset too high?
Palomar Holdings' current Equity-to-Asset of 0.27 is 25% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 0.64. The Insurance industry median Equity-to-Asset is 0.26. Palomar Holdings' value of 0.27 is 3.8% above this industry median. Based on the distribution chart, Palomar Holdings ranks #239 out of 504 companies in the Insurance industry, which is above the industry midpoint. Overall, Palomar Holdings has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Palomar Holdings' Equity-to-Asset compare to LMND and SKWD?
According to the Insurance industry distribution chart, Palomar Holdings ranks #239 out of 504 companies for Equity-to-Asset. This puts Palomar Holdings in the upper half of its industry. The industry median Equity-to-Asset is 0.26. Palomar Holdings' value of 0.27 is 3.8% above this benchmark. Historically, Palomar Holdings' own Equity-to-Asset has ranged from 0.26 to 0.64 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Palomar Holdings's current Equity-to-Asset of 0.27 is 3.8% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Palomar Holdings and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palomar Holdings's current Equity-to-Asset is 0.27, which is 25% below median its own 10-year median of 0.36. 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 $153.53, compared to a current price of $136.11 — trading 11.3% below its estimated fair value. The current Equity-to-Asset is 0.27, which is 25% below median its 10-year median of 0.36 and 3.8% above the Insurance industry median of 0.26. Palomar Holdings' overall GF Score™ is 90/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Palomar Holdings (PLMR), the current Equity-to-Asset is 0.27 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 $136.11 is trading 11.3% below its estimated GF Value™ of $153.53.
GuruFocus considers Palomar Holdings to be Modestly Undervalued.
Key valuation signals for PLMR:
Equity-to-Asset: 0.27 (25% below median its 10-year median of 0.36)
GF Value™: $153.53 vs. price of $136.11 (11.3% below fair value)
Industry Position: 3.8% above the Insurance median (#239 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.
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