Palomar HoldingsPLMR +2.43%81 EV-to-FCF is 9.39 as of Jun. 24, 2026, which is 34% below its 10-year median of 14.21. GuruFocus rates PLMR with a GF Score™ of 81/100 and a GF Value™ of $149.85 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 392 Insurance companies, Palomar Holdings ranks better than 51.53% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Palomar Holdings's Enterprise Value is $3,392.5 Mil.
Palomar Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $361.3 Mil. Therefore, Palomar Holdings's EV-to-FCF for today is 9.39.
The historical rank and industry rank for Palomar Holdings's EV-to-FCF or its related term are showing as below:
PLMR'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.17 Med: 14.21 Max: 192.12
Current: 9.39
During the past 10 years, the highest EV-to-FCF of Palomar Holdings was 192.12. The lowest was 7.17. And the median was 14.21.
PLMR's EV-to-FCF is ranked better than 51.53% of 392
companies
in the Insurance industry
Industry Median: 9.42
vs PLMR: 9.39
EV-to-FCF 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-FCF 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 $118.83.
Palomar Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.180.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Palomar Holdings EV-to-FCF Related Terms
Palomar Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Palomar Holdings's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Palomar Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Palomar Holdings's EV-to-FCF falls into.
Palomar Holdings's current Enterprise Value is $3,392.5 Mil.
Palomar Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $361.3 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-FCF of 9.39 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Palomar Holdings and its competitors. This is 34% below median its historical median of 14.21. Over the past decade, Palomar Holdings' EV-to-FCF has ranged from 7.17 to 192.12. According to the industry distribution chart, Palomar Holdings ranks #190 out of 392 companies in the Insurance industry, placing it in the top 48.5%.
Is Palomar Holdings' EV-to-FCF too high?
Palomar Holdings' current EV-to-FCF of 9.39 is 34% below median its 10-year median of 14.21. Over the past 10 years, this metric has ranged from a low of 7.17 to a high of 192.12. The Insurance industry median EV-to-FCF is 9.42. Palomar Holdings' value of 9.39 is 0.3% below this industry median. Based on the distribution chart, Palomar Holdings ranks #190 out of 392 companies in the Insurance industry, which is above the industry midpoint. Overall, Palomar Holdings has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Palomar Holdings' EV-to-FCF compare to SLDE and STC?
According to the Insurance industry distribution chart, Palomar Holdings ranks #190 out of 392 companies for EV-to-FCF. This puts Palomar Holdings in the upper half of its industry. The industry median EV-to-FCF is 9.42. Palomar Holdings' value of 9.39 is 0.3% below this benchmark. Historically, Palomar Holdings' own EV-to-FCF has ranged from 7.17 to 192.12 over the past decade. While the company's 10-year median is 14.21 vs. the industry median of 9.42, Palomar Holdings has consistently been below 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.42, based on 392 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Palomar Holdings's current EV-to-FCF of 9.39 is 0.3% below 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Palomar Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palomar Holdings's current EV-to-FCF is 9.39, which is 34% below median its own 10-year median of 14.21. 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 $149.85, compared to a current price of $118.83 — trading 20.7% below its estimated fair value. The current EV-to-FCF is 9.39, which is 34% below median its 10-year median of 14.21 and 0.3% below the Insurance industry median of 9.42. Palomar Holdings' overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Palomar Holdings (PLMR), the current EV-to-FCF is 9.39 as of Jun. 24, 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 $118.83 is trading 20.7% below its estimated GF Value™ of $149.85.
GuruFocus considers Palomar Holdings to be Modestly Undervalued.
Key valuation signals for PLMR:
EV-to-FCF: 9.39 (34% below median its 10-year median of 14.21)
GF Value™: $149.85 vs. price of $118.83 (20.7% below fair value)
Industry Position: 0.3% below the Insurance median (#190 of 392)
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.
81GF Score
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