Palomar HoldingsPLMR +2.43%81 Net Margin % is 15.40% as of Mar. 2026, which is 11% below its 10-year median of 17.23. 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 503 Insurance companies, Palomar Holdings ranks better than 82.9% on this metric.
The historical rank and industry rank for Palomar Holdings's Net Margin % or its related term are showing as below:
PLMR'
s Net Margin % Range Over the Past 10 Years
Min: 3.71 Med: 17.23 Max: 24.97
Current: 20.11
PLMR's Net Margin % is ranked better than 82.9% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs PLMR: 20.11
Palomar Holdings (NAS:PLMR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Palomar Holdings Net Margin % Related Terms
Palomar Holdings Net Margin % Historical Data
* Premium members only.
The historical data trend for Palomar Holdings's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Palomar Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Palomar Holdings's Net 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 Net Margin % of 15.40% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Palomar Holdings and its competitors. This is 11% below median its historical median of 17.23. Over the past decade, Palomar Holdings' Net Margin % has ranged from 3.71 to 24.97. According to the industry distribution chart, Palomar Holdings ranks #86 out of 503 companies in the Insurance industry, placing it in the top 17.1%.
Is Palomar Holdings' Net Margin % too high?
Palomar Holdings' current Net Margin % of 15.40% is 11% below median its 10-year median of 17.23. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 24.97. The Insurance industry median Net Margin % is 9.29. Palomar Holdings' value of 15.40% is 65.8% above this industry median. Based on the distribution chart, Palomar Holdings ranks #86 out of 503 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' Net Margin % compare to SLDE and STC?
According to the Insurance industry distribution chart, Palomar Holdings ranks #86 out of 503 companies for Net Margin %. This places Palomar Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. Palomar Holdings' value of 15.40% is 65.8% above this benchmark. Historically, Palomar Holdings' own Net Margin % has ranged from 3.71 to 24.97 over the past decade. While the company's 10-year median is 17.23 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Palomar Holdings's current Net Margin % of 15.40% is 65.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Palomar Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palomar Holdings's current Net Margin % is 15.40%, which is 11% below median its own 10-year median of 17.23. 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 Net Margin % is 15.40%, which is 11% below median its 10-year median of 17.23 and 65.8% above the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Palomar Holdings (PLMR), the current Net Margin % is 15.40% 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:
Net Margin %: 15.40% (11% below median its 10-year median of 17.23)
GF Value™: $149.85 vs. price of $118.91 (20.6% below fair value)
Industry Position: 65.8% above the Insurance median (#86 of 503)
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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