Palomar vs RLI
PLMR and RLI side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How PLMR and RLI compare
RLI is the larger company, worth 1.5 times as much as Palomar ($6.4B against $4.2B).
On earnings, RLI is cheaper: it trades at 16.2× trailing earnings, against 19.9× for Palomar.
Palomar grew revenue faster over the last twelve months (58.4% versus 4.6% for RLI).
RLI keeps more of each dollar of sales as profit, with a net margin of 20.3% compared with 17.6% at Palomar.
Both pay dividends: Palomar yields 0.28% and RLI 6.7%.
Palomar scores higher on the StockData Score (11 against 10 for RLI), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | PLMR | RLI |
|---|---|---|
| Size and price | ||
| Market cap | $4.2B | $6.4B |
| Share price | $159.20 | $69.65 |
| Change, 1 year | 20.2% | 12.0% |
| Change, 5 years | 90.3% | 25.6% |
| Beta (5Y) | 0.67 | 0.32 |
| Employees | 439 | 1,193 |
| StockData Score | ||
| Total score | 11 (better) | 10 |
| Valuation score | 1 | 1 |
| Growth score | 4 (better) | 0 |
| Performance score | 5 | 5 |
| Health score | 0 | 0 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 19.9× | 16.2× (better) |
| P/S | 3.4× | 3.3× (better) |
| P/B | 4.3× | 3.8× (better) |
| P/FCF | 9.3× (better) | 12.0× |
| PEG | 0.38 | – |
| FCF yield | 10.8% (better) | 8.3% |
| Fair value | $123.30 | $58.62 |
| Margin of safety | −29.1% | −18.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 58.4% (better) | 4.6% |
| Revenue growth, 5Y average | 39.1% (better) | 13.9% |
| Net income growth (TTM) | 23.4% (better) | 11.9% |
| EPS growth (TTM) | 24.7% (better) | 12.6% |
| EPS growth, 5Y average | 97.3% (better) | 20.4% |
| Profitability | ||
| Net margin | 17.6% | 20.3% (better) |
| FCF margin | 36.6% (better) | 27.4% |
| Return on equity | 23.3% (better) | 22.1% |
| Financial health | ||
| Altman Z-score | 1.25 | 1.53 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 0.28% | 6.7% (better) |
| Payout ratio | – | 109% |
| Years of dividend growth | – | 2 |
| Dividend growth, 5Y average | – | 22.0% |
| Buyback yield | 1.7% | – |
| Shareholder yield | 2.0% | 6.7% (better) |
| Ownership | ||
| Held by institutions | 92.6% | 95.6% |
| Held by insiders | 2.6% | 1.6% |
| Insider net buying, 12 months | −$21.6M | $1.5M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 2.4% | 9.4% |
Go deeper
- PLMR stock overview
- PLMR income statement
- PLMR valuation and score
- RLI stock overview
- RLI income statement
- RLI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.