PLMR (Palomar Holdings) Moat Score: 5/10 (As of Jun. 27, 2026)


PLMR Palomar Holdings Inc PLMR
81 GF Score
Price $126.48
GF Value $150.04
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Palomar Holdings Moat Score?

Palomar Holdings PLMR +7.28% 81 Moat Score is 5 as of Jun. 27, 2026. GuruFocus rates PLMR with a GF Score™ of 81/100 and a GF Value™ of $150.04 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 596 Insurance companies, Palomar Holdings ranks better than 88.76% on this metric.

Palomar Holdings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Palomar Holdings has Narrow Moat: Palomar Holdings Inc has a solid narrow moat due to its niche market focus and some customer loyalty. However, it lacks significant network effects, strong brand strength, or substantial regulatory barriers, limiting its competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Palomar Holdings might have Narrow Moat - Solid narrow moat.

Palomar Holdings  (NAS:PLMR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Palomar Holdings Moat Score Related Terms

PLMR vs SLDE, STC, HCI: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Palomar Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Palomar Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Palomar Holdings's Moat Score falls into.


PLMR
81GF Score
Palomar Holdings Inc PLMR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Palomar Holdings (PLMR) has a Moat Score of 5 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Palomar Holdings ranks #67 out of 596 companies in the Insurance industry, placing it in the top 11.2%.
Is Palomar Holdings' Moat Score too high?
Palomar Holdings' current Moat Score is 5. Based on the distribution chart, Palomar Holdings ranks #67 out of 596 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' Moat Score compare to SLDE and STC?
According to the Insurance industry distribution chart, Palomar Holdings ranks #67 out of 596 companies for Moat Score. This places Palomar Holdings in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Palomar Holdings's current Moat Score is 5. 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 $150.04, compared to a current price of $126.48 — trading 15.7% below its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Palomar Holdings (PLMR), the current Moat Score is 5 as of Jun. 27, 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 $126.48 is trading 15.7% below its estimated GF Value™ of $150.04. GuruFocus considers Palomar Holdings to be Modestly Undervalued.

Key valuation signals for PLMR:

  • Moat Score: 5
  • GF Value™: $150.04 vs. price of $126.48 (15.7% below fair value)
  • GF Score™: 81/100 with 2 warning signs

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 Business Description

Other Exchanges PH8:Germany
Address 7979 Ivanhoe Avenue, Suite 500, La Jolla, CA, USA, 92037
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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$126.48
Price
$150.04
GF Value