Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 28.5%
PLMR
Palomar Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
67
- 5yr Avg ROE 15.8%
- 5yr Share-Count CAGR 1.4%
Growth Quality
Weight: 10%
A+
100
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Revenue CAGR (fallback) 39.1%
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
A+
96
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 2.5%
Balance Sheet
Weight: 25%
A
92
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.85x
- Interest Coverage (EBIT/Int) 647.40x
Stability
Weight: 10%
C-
48
- EPS Volatility (σ/μ) 1.11
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 added; 1 trimmed; 1 full exit.
- Holders
- 3 +1
- Avg Δ position
- +45.2%
- New buys
- 0
- Full exits
- 1
- Dalio sold -100%
- Wood increased +110%
- Greenblatt decreased -19%