Profitability
Weight: 25%
A+
99
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 4.4%
- Operating Margin Trend +1.84 pp/yr
PLMR
Palomar Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
63
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.4%
- 5yr Share-Count CAGR 1.3%
Growth Quality
Weight: 10%
A+
100
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 20.3%
- 5yr EPS CAGR 42.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 2.19x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 42.3%
- Interest Coverage (EBIT/Int) 647.40x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 1.11
- Piotroski F-Score 8
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 4 gurus held; 1 added; 1 trimmed; 2 full exits.
- Holders
- 2 -2
- Avg Δ position
- +4.2%
- New buys
- 0
- Full exits
- 2
- Cooperman sold -100%
- Dalio sold -100%
- Greenblatt increased +35%