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Palomar Holdings, Inc. key statistics and ratios

In fiscal 2025, Palomar Holdings, Inc. had return on equity of 23.6%, a net margin of 22.5% and debt equal to 0.0% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin6.4%25.0%9.4%3.7%18.5%15.9%21.1%21.2%22.5%18.6%
Free-cash-flow margin33.9%30.8%39.2%34.0%35.4%51.8%30.9%47.1%46.7%38.0%
Return on equity4.8%20.9%6.7%2.1%12.1%13.4%18.5%19.6%23.6%21.1%
Return on assets—7.9%3.4%1.1%5.5%4.7%5.3%5.9%7.4%5.8%
Asset turnover—0.320.360.300.300.290.250.280.330.31
Debt to equity0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%30.2%
Effective tax rate23.2%−0.0%41.2%−0.5%19.8%22.8%23.6%22.2%22.2%22.8%
Capital spending as % of revenue0.1%0.5%0.1%0.1%0.0%0.1%0.0%0.0%0.0%0.0%
Free cash flow ÷ net income533.4%123.4%418.0%916.7%191.5%324.5%146.6%221.9%207.5%204.2%
Dividends and buybacks ÷ free cash flow————18.1%20.3%19.2%0.0%9.1%24.4%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

60 /100

Moderate moat

How hard Palomar Holdings's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 4.6% of total assets over 8 years.

  • Durability 5 / 20

    Net margin has been a median 17.6%; its worst year was -2.4%.

  • Discipline 14 / 20

    The diluted share count rose 4.2% over five years; stock-based pay has been a median 2.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (65 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Palomar Holdings, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Palomar Holdings, Inc.