Palomar Holdings, Inc. Financial Ratios — PLMR 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 (%)	- -	109.29	103.28	34.14	16.95	83.42	66.18	68.17	57.79	57.6
Return on Assets (%)	- -	4.02	8.69	3.39	1.11	5.54	4.67	5.25	5.92	7.42
Return on Capital (%)	- -	42.67	- -	27.67	- -	83.48	54.46	51.09	51.56	57.69
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
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 (%)	- -	109.29	103.28	17.68	16.95	83.42	66.18	68.17	57.79	57.6

Credit (USD)

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	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	-0.55	-0.04	-0.14	-0.11	- -	-0.72	-0.36	- -	-2.4	-2.66
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	2	2	2	1	- -	- -	1	4	1	- -
Common Equity/Total Assets	- -	3.68	12.27	8.56	5.48	7.56	6.71	8.47	11.59	13.83
Long-Term Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	71.17	40.22	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	9.07	8.25	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	9.46	11.16	- -	- -
Total Debt/Capital (%)	- -	71.17	40.22	- -	- -	- -	29.33	26.67	- -	- -
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 (%)	- -	47.67	25.2	-4,481.6	-522.24	-255.63	-56.62	0.72	-44.25	-33.91
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	- -	- -	-7	- -	- -	- -	-3	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	- -	3.68	12.27	8.56	5.48	7.56	6.71	8.47	11.59	13.83
Long-Term Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	71.17	40.22	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	9.07	8.25	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	21.79	19.81	- -	- -	- -	9.46	11.16	- -	- -
Total Debt/Capital (%)	- -	71.17	40.22	- -	- -	- -	29.33	26.67	- -	- -
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	- -	0.37	0.49	4.09	3.94	2.24	1.09	1.01	1.46	1.51

Working Capital (USD)

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	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	- -	4	2.32	2.61	1.63	1.24	1.09	0.84	0.89	1.08
Days Sales Outstanding	- -	91.21	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)

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	- -	- -	- -	1,086	2,210	1,649	1,140	1,378	2,695	3,590
- 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	- -	-96	-113	835	1,778	1,166	593	735	1,675	2,865
Total Capital	- -	24	47	34	40	70	124	197	262	422
Total Debt/Capital (%)	- -	71.17	40.22	- -	- -	- -	29.33	26.67	- -	- -
Total Debt / EV	- -	-0.18	-0.17	- -	- -	- -	0.06	0.07	- -	- -
EV/Sales	- -	- -	- -	7.37	10.55	4.71	1.81	1.95	3.02	3.27
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	18.51	30.93	13.27	3.48	6.18	6.39	7
EV/Free Cash Flow to Firm	- -	- -	- -	18.46	27.49	13.27	3.48	6.18	6.33	6.98
Diluted Market Cap	- -	- -	- -	1,102	2,274	1,691	1,165	1,406	2,769	3,704
Diluted Enterprise Value	- -	6	10	1,069	2,241	1,641	1,133	1,407	2,689	3,597
EV per Share	- -	- -	- -	38.85	71.49	45.8	23.5	29.61	65.64	107.54
TTM Sales	43	59	73	113	168	248	327	376	554	876
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	18	22	25	45	57	88	170	119	262	409
TTM Free Cash Flow to Firm	18	22	25	45	65	88	171	119	265	410

Multiples (USD)

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	- -	- -	- -	24.7	35.15	19.25	6.86	12.11	10.49	9.03
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-96	-113	835	1,778	1,166	593	735	1,675	2,865
Low Price	- -	- -	- -	18.06	39.21	60.1	43.64	45.29	54.5	98.42
EV/Sales	- -	- -	- -	7.37	10.55	4.71	1.81	1.95	3.02	3.27
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	102.21	353.15	35.97	21.85	17.39	22.92	18.22
Price/Earnings Average	- -	- -	- -	69.2	299.79	44.69	31.33	17.06	18.7	17.65
Price/Earnings High	- -	- -	- -	114.89	484.45	64.08	46.06	20.19	24.51	23.77
Price/Earnings Low	- -	- -	- -	36.56	155.86	33.37	21.11	14.19	11.83	13.3
Price/Book Value	- -	- -	- -	32.06	55.3	23.57	13	9.52	10.28	8.51
Price/Book Value Average	- -	- -	- -	21.71	46.94	29.29	18.64	9.34	8.38	8.24
Price/Book Value High	- -	- -	- -	36.04	75.86	42	27.4	11.05	10.99	11.1
Price/Book Value Low	- -	- -	- -	11.47	24.41	21.87	12.56	7.77	5.3	6.21
Price/Tangible Book Value	- -	- -	- -	4.98	6.27	4.29	3.03	3	3.76	4.07
Price/Tangible Book Value Average	- -	- -	- -	3.37	5.33	5.33	4.34	2.94	3.07	3.94
Price/Tangible Book Value High	- -	- -	- -	5.6	8.61	7.64	6.38	3.48	4.03	5.31
Price/Tangible Book Value Low	- -	- -	- -	1.78	2.77	3.98	2.93	2.45	1.94	2.97
Price/Sales	- -	- -	- -	9.58	13.12	6.65	3.49	3.66	4.87	4.1
Price/Sales Average	- -	- -	- -	6.49	11.13	8.27	5	3.59	3.97	3.97
Price/Sales High	- -	- -	- -	10.77	17.99	11.86	7.35	4.25	5.2	5.35
Price/Sales Low	- -	- -	- -	3.43	5.79	6.18	3.37	2.99	2.51	2.99
Price/Cash Flow	- -	- -	- -	24.39	38.43	18.78	6.72	11.87	10.32	8.77
Price/Cash Flow Average	- -	- -	- -	16.51	32.63	23.33	9.64	11.64	8.42	8.5
Price/Cash Flow High	- -	- -	- -	27.41	52.72	33.46	14.17	13.77	11.03	11.45
Price/Cash Flow Low	- -	- -	- -	8.72	16.96	17.42	6.5	9.68	5.33	6.41
Price/Free Cash Flow Average	- -	- -	- -	16.73	29.84	23.92	9.83	11.87	8.56	8.75
Price/Free Cash Flow High	- -	- -	- -	27.77	48.22	34.3	14.45	14.05	11.22	11.78
Price/Free Cash Flow Low	- -	- -	- -	8.84	15.52	17.87	6.63	9.88	5.42	6.6
EV/Sales Average	- -	0.11	0.13	6.2	10.94	8.07	4.9	3.6	3.82	3.85
EV/Sales High	- -	0.11	0.13	10.48	17.79	11.65	7.25	4.26	5.06	5.23
EV/Sales Low	- -	0.11	0.13	3.14	5.59	5.97	3.27	2.99	2.37	2.87
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	50.49	88.84	64.77	45.16	55.5	105.59	134.76
High Price	- -	- -	- -	56.75	121.87	115.4	95.2	64.41	112.9	175.85
Enterprise Value Average	- -	6	10	702	1,842	1,998	1,603	1,352	2,118	3,371
Enterprise Value High	- -	6	10	1,187	2,998	2,888	2,371	1,600	2,801	4,578
Enterprise Value Low	- -	6	10	355	942	1,480	1,070	1,125	1,310	2,515

Shares Outstanding	- -	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	11.64	17.35	18.97	23.1	28.01	39.95	27.22
Book Value per Share	- -	0.31	1.25	1.57	1.61	2.75	3.47	5.83	10.27	15.84
Tangible Book Value per Share	- -	3.43	4.22	10.13	14.16	15.11	14.91	18.49	28.05	33.09

Palomar Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)