ScoreWhy is Palomar Holdings, Inc. ?
1
Strong Long Term Fundamental Strength with a 39.05% CAGR growth in Net Sales
2
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 378.89 MM
- ROCE(HY) Highest at 22.53%
- NET SALES(Q) Highest at USD 278.94 MM
3
With ROE of 20.88%, it has a expensive valuation with a 3.31 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -28.01%, its profits have risen by 68.2% ; the PEG ratio of the company is 0.2
4
High Institutional Holdings at 99.81%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 25.41% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -28.01% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Palomar Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Palomar Holdings, Inc. for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Palomar Holdings, Inc.
-28.01%
0.79
37.83%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
39.05%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
21.37%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
99.81%
ROCE (avg)
0
ROE (avg)
12.53%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
3.31
EV to EBIT
NA
EV to EBITDA
737.67
EV to Capital Employed
3.81
EV to Sales
3.37
PEG Ratio
0.23
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
20.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 378.89 MM
ROCE(HY)
Highest at 22.53%
NET SALES(Q)
Highest at USD 278.94 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-14What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 25.12 %
INTEREST(Q)
Highest at USD 3.16 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 20.3 %
PRE-TAX PROFIT(Q)
Lowest at USD 53.46 MM
Here's what is working for Palomar Holdings, Inc.
Operating Cash Flow
Highest at USD 378.89 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 278.94 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
At USD 278.94 MM has Grown at 59.95%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 6.05 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 6.05 MM has Grown at 909.17%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Palomar Holdings, Inc.
Interest
At USD 3.16 MM has Grown at 3,529.89%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest
Highest at USD 3.16 MM
in the last five periods and Increased by 3,529.89% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Operating Profit Margin
Lowest at 20.3 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 53.46 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Debt-Equity Ratio
Highest at 25.12 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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