Palomar HoldingsPLMR +2.43%81 FCF Margin % is 16.14% as of Mar. 2026, which is 53% below its 10-year median of 34.45. 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 502 Insurance companies, Palomar Holdings ranks better than 90.04% on this metric.
The historical rank and industry rank for Palomar Holdings's FCF Margin % or its related term are showing as below:
PLMR'
s FCF Margin % Range Over the Past 10 Years
Min: 27.51 Med: 34.45 Max: 50.03
Current: 36.85
During the past 10 years, the highest FCF Margin % of Palomar Holdings was 50.03%. The lowest was 27.51%. And the median was 34.45%.
PLMR's FCF Margin % is ranked better than 90.04% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs PLMR: 36.85
Palomar Holdings FCF Margin % Related Terms
Palomar Holdings FCF Margin % Historical Data
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The historical data trend for Palomar Holdings's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Palomar Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Palomar Holdings's FCF Margin % falls into.
* 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 FCF Margin % of 16.14% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Palomar Holdings and its competitors. This is 53% below median its historical median of 34.45. Over the past decade, Palomar Holdings' FCF Margin % has ranged from 27.51 to 50.03. According to the industry distribution chart, Palomar Holdings ranks #50 out of 502 companies in the Insurance industry, placing it in the top 10%.
Is Palomar Holdings' FCF Margin % too high?
Palomar Holdings' current FCF Margin % of 16.14% is 53% below median its 10-year median of 34.45. Over the past 10 years, this metric has ranged from a low of 27.51 to a high of 50.03. The Insurance industry median FCF Margin % is 9.63. Palomar Holdings' value of 16.14% is 67.6% above this industry median. Based on the distribution chart, Palomar Holdings ranks #50 out of 502 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 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Palomar Holdings' FCF Margin % compare to SLDE and STC?
According to the Insurance industry distribution chart, Palomar Holdings ranks #50 out of 502 companies for FCF Margin %. This places Palomar Holdings in the top 10% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.63. Palomar Holdings' value of 16.14% is 67.6% above this benchmark. Historically, Palomar Holdings' own FCF Margin % has ranged from 27.51 to 50.03 over the past decade. While the company's 10-year median is 34.45 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Palomar Holdings's current FCF Margin % of 16.14% is 67.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Palomar Holdings and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palomar Holdings's current FCF Margin % is 16.14%, which is 53% below median its own 10-year median of 34.45. 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 $118.91 — trading 20.6% below its estimated fair value. The current FCF Margin % is 16.14%, which is 53% below median its 10-year median of 34.45 and 67.6% above the Insurance industry median of 9.63. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Palomar Holdings (PLMR), the current FCF Margin % is 16.14% 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 $118.91 is trading 20.6% below its estimated GF Value™ of $149.85.
GuruFocus considers Palomar Holdings to be Modestly Undervalued.
Key valuation signals for PLMR:
FCF Margin %: 16.14% (53% below median its 10-year median of 34.45)
GF Value™: $149.85 vs. price of $118.91 (20.6% below fair value)
Industry Position: 67.6% above the Insurance median (#50 of 502)
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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