Palomar Holdings, Inc. Financial Ratios — PH8 Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	20.86	6.75	2.15	12.1	13.4	18.5	19.59	23.58
Return on Assets (%)	- -	- -	8.69	3.39	1.11	5.54	4.67	5.25	5.92	7.42
Return on Capital (%)	- -	- -	- -	6.74	- -	12.11	12.96	17.37	18.91	23.61
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	14.7	8.29	24.96	15.96	3.69	23.06	20.65	27.57	27.3	28.93
Profit Margin (%)	15.49	6.36	24.97	9.37	3.71	18.5	15.95	21.07	21.23	22.5
Net Income to Common Margin (%)	15.49	6.36	24.97	9.37	3.71	18.5	15.95	21.07	21.23	22.5
Effective Tax Rate (%)	- -	23.23	- -	41.25	- -	19.76	22.77	23.58	22.24	22.23
Dvd Payout Ratio (%)	- -	- -	- -	48.21	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	20.86	3.49	2.15	12.1	13.4	18.5	19.59	23.58

Credit (USD)

Credit Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	17	19	- -	- -	- -	36	53	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	36	53	- -	- -
LT Debt	- -	17	19	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	2	2	2	1	- -	- -	1	4	1	- -
Common Equity/Total Assets	- -	41.63	41.66	55.27	49.89	42.58	29.45	27.59	32.23	30.9
Long-Term Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	17.89	16.54	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	9.07	8.25	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	9.46	11.16	- -	- -
Total Debt/Capital (%)	- -	17.89	16.54	- -	- -	- -	8.64	10.04	- -	- -
Total Debt/Total Assets (%)	- -	9.07	8.25	- -	- -	- -	2.79	3.08	- -	- -
Net Debt to Equity	- -	8.04	9.92	-15.15	-9.22	-12.76	-8.24	0.22	-11.03	-11.34
Net Debt/Capital (%)	- -	7.44	9.03	-17.86	-10.16	-14.62	-8.98	0.22	-12.4	-12.79
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	41.63	41.66	55.27	49.89	42.58	29.45	27.59	32.23	30.9
Long-Term Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	17.89	16.54	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	9.07	8.25	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	9.46	11.16	- -	- -
Total Debt/Capital (%)	- -	17.89	16.54	- -	- -	- -	8.64	10.04	- -	- -
Total Debt/Total Assets (%)	- -	9.07	8.25	- -	- -	- -	2.79	3.08	- -	- -
CFO/Total Liabilities	- -	18.42	16.91	25.16	15.74	16.52	18.4	9.39	17.03	19.41
CFO/CapEx	17.62	297.76	68.7	387.05	7.99	3,028.07	541.8	7,740.4	95.66	392.63
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	2.32	2.61	1.63	1.24	1.09	0.84	0.89	1.08
Days Sales Outstanding	- -	- -	157.35	139.64	224.32	293.79	335.78	434.61	408.47	338.03
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	1,173	2,324	1,628	1,072	1,381	2,748	3,583
- Cash & Cash Equivalents	- -	11	10	33	34	50	68	52	80	107
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	17	19	- -	- -	- -	36	53	- -	- -
Enterprise Value	- -	- -	- -	922	1,892	1,145	525	738	1,728	2,858
Total Capital	- -	96	115	219	364	394	421	524	729	943
Total Debt/Capital (%)	- -	17.89	16.54	- -	- -	- -	8.64	10.04	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	0.07	0.07	- -	- -
EV/Sales	- -	- -	- -	8.14	11.23	4.62	1.61	1.96	3.12	3.26
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	20.43	- -	13.03	3.08	6.2	6.6	6.98
EV/Free Cash Flow to Firm	- -	- -	- -	20.48	- -	13.03	3.09	6.2	6.67	7
Diluted Market Cap	- -	- -	- -	1,091	2,331	1,671	1,105	1,412	2,716	3,714
Diluted Enterprise Value	- -	- -	- -	841	1,899	1,188	558	769	1,697	2,989
EV per Share	- -	- -	- -	39.3	74.14	45.02	20.98	29.8	65.15	107.78
TTM Sales	43	59	73	113	168	248	327	376	554	876
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	22	- -	45	- -	88	170	119	262	409
TTM Free Cash Flow to Firm	- -	22	- -	45	- -	88	170	119	259	408

Multiples (USD)

Valuation Multiples API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	24.57	46.34	19.04	6.53	12.16	10.51	9.1
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	922	1,892	1,145	525	738	1,728	2,858
Low Price	- -	- -	- -	18.01	41.37	61.39	42.83	43.25	55.22	97.87
EV/Sales	- -	- -	- -	8.14	11.23	4.62	1.61	1.96	3.12	3.26
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	101.14	361.91	35.54	20.72	17.47	22.48	18.27
Price/Earnings Average	- -	- -	- -	71.11	299.71	44.91	31.3	17.06	18.64	17.62
Price/Earnings High	- -	- -	- -	110.65	482.22	63.01	45.57	20.16	24.42	23.93
Price/Earnings Low	- -	- -	- -	36.47	164.46	34.09	20.72	13.56	11.99	13.23
Price/Book Value	- -	- -	- -	5.36	6.39	4.13	2.79	2.93	3.77	3.8
Price/Book Value Average	- -	- -	- -	3.77	5.29	5.22	4.21	2.86	3.13	3.67
Price/Book Value High	- -	- -	- -	5.87	8.51	7.32	6.13	3.38	4.09	4.98
Price/Book Value Low	- -	- -	- -	1.93	2.9	3.96	2.79	2.27	2.01	2.75
Price/Tangible Book Value	- -	- -	- -	5.38	6.6	4.23	2.85	3.01	3.84	4.06
Price/Tangible Book Value Average	- -	- -	- -	3.78	5.46	5.35	4.3	2.94	3.18	3.92
Price/Tangible Book Value High	- -	- -	- -	5.89	8.79	7.5	6.26	3.47	4.17	5.33
Price/Tangible Book Value Low	- -	- -	- -	1.94	3	4.06	2.85	2.33	2.05	2.94
Price/Sales	- -	- -	- -	9.48	13.44	6.58	3.31	3.68	4.77	4.11
Price/Sales Average	- -	- -	- -	6.67	11.13	8.31	4.99	3.59	3.96	3.96
Price/Sales High	- -	- -	- -	10.37	17.91	11.66	7.27	4.25	5.18	5.38
Price/Sales Low	- -	- -	- -	3.42	6.11	6.31	3.31	2.86	2.54	2.98
Price/Cash Flow	- -	- -	- -	24.13	39.39	18.56	6.38	11.92	10.12	8.8
Price/Cash Flow Average	- -	- -	- -	16.97	32.62	23.45	9.63	11.64	8.39	8.49
Price/Cash Flow High	- -	- -	- -	26.4	52.48	32.9	14.02	13.75	10.99	11.53
Price/Cash Flow Low	- -	- -	- -	8.7	17.9	17.8	6.38	9.25	5.4	6.37
Price/Free Cash Flow Average	- -	- -	- -	17.28	38.38	24.05	9.86	11.87	8.71	8.78
Price/Free Cash Flow High	- -	- -	- -	26.88	61.75	33.75	14.35	14.03	11.41	11.92
Price/Free Cash Flow Low	- -	- -	- -	8.86	21.06	18.26	6.53	9.44	5.6	6.59
EV/Sales Average	- -	- -	- -	5.07	8.86	6.35	3.28	1.88	2.27	3.12
EV/Sales High	- -	- -	- -	9.11	15.82	9.7	5.53	2.53	3.55	4.53
EV/Sales Low	- -	- -	- -	1.52	3.71	4.35	1.61	1.14	0.8	2.14
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	49.96	91.04	64.01	42.83	55.75	103.58	135.12
High Price	- -	- -	- -	54.66	121.31	113.47	94.18	64.31	112.49	177.04
Enterprise Value Average	- -	- -	- -	574	1,493	1,573	1,072	706	1,259	2,732
Enterprise Value High	- -	- -	- -	1,032	2,665	2,402	1,810	951	1,965	3,970
Enterprise Value Low	- -	- -	- -	172	625	1,078	525	429	445	1,870

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	23	23	23	23	26	25	25	25	27	27
Diluted Weighted Avg Shares	23	23	23	22	26	26	26	25	26	27
Basic Weighted Avg Shares	23	23	23	22	25	25	25	25	26	27
Revenue per Share	1.89	2.63	3.23	5.27	6.77	9.73	12.96	15.14	21.7	32.88
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.29	0.17	0.81	0.49	0.25	1.8	2.07	3.19	4.61	7.4
Basic EPS from Cont Ops	0.29	0.17	0.81	0.49	0.25	1.8	2.07	3.19	4.61	7.4
Diluted EPS, GAAP	0.29	0.17	0.81	0.49	0.24	1.76	2.02	3.13	4.48	7.17
Diluted EPS from Cont Ops	0.29	0.17	0.81	0.49	0.24	1.76	2.02	3.13	4.48	7.17
Dividend per Share	- -	- -	- -	0.24	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.7	0.89	1.01	2.07	2.31	3.45	6.72	4.68	10.23	15.36
Free Cash Flow per Basic Share	0.66	0.89	0.99	2.06	2.02	3.45	6.71	4.68	10.13	15.32
Cash & Equivalents per Share	- -	4.98	5.82	10.66	16.91	18.99	23.3	28.07	38.43	27.34
Book Value per Share	- -	3.47	4.26	9.31	14.25	15.5	15.37	19.02	27.48	35.54
Tangible Book Value per Share	- -	3.43	4.22	9.28	13.8	15.13	15.04	18.53	26.98	33.24