Palomar vs United Fire
PLMR and UFCS 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 UFCS compare
Palomar is the larger company, worth 3.2 times as much as United Fire ($4.2B against $1.3B).
On earnings, United Fire is cheaper: it trades at 9.7× trailing earnings, against 19.9× for Palomar.
Palomar grew revenue faster over the last twelve months (58.4% versus 11.6% for United Fire).
Palomar keeps more of each dollar of sales as profit, with a net margin of 17.6% compared with 9.1% at United Fire.
Both pay dividends: Palomar yields 0.28% and United Fire 1.5%.
United Fire scores higher on the StockData Score (12 against 11 for Palomar), 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 | UFCS |
|---|---|---|
| Size and price | ||
| Market cap | $4.2B | $1.3B |
| Share price | $159.20 | $50.91 |
| Change, 1 year | 20.2% | 37.5% |
| Change, 5 years | 90.3% | 132% |
| Beta (5Y) | 0.67 | 0.50 |
| Employees | 439 | 1,173 |
| StockData Score | ||
| Total score | 11 | 12 (better) |
| Valuation score | 1 | 5 (better) |
| Growth score | 4 (better) | 3 |
| Performance score | 5 (better) | 2 |
| Health score | 0 | 0 |
| Dividend score | 1 | 2 (better) |
| Valuation | ||
| P/E | 19.9× | 9.7× (better) |
| P/S | 3.4× | 0.9× (better) |
| P/B | 4.3× | 1.4× (better) |
| EV/EBITDA | – | 5.9× |
| P/FCF | 9.3× | – |
| PEG | 0.38 | 0.10 (better) |
| FCF yield | 10.8% | – |
| Fair value | $123.30 | $51.00 |
| Margin of safety | −29.1% | 0.17% (better) |
| Growth | ||
| Revenue growth (TTM) | 58.4% (better) | 11.6% |
| Revenue growth, 5Y average | 39.1% (better) | 5.3% |
| Net income growth (TTM) | 23.4% (better) | 23.0% |
| EPS growth (TTM) | 24.7% (better) | 23.3% |
| EPS growth, 5Y average | 97.3% | – |
| Profitability | ||
| Net margin | 17.6% (better) | 9.1% |
| FCF margin | 36.6% | – |
| Return on equity | 23.3% (better) | 14.9% |
| Financial health | ||
| Altman Z-score | 1.25 (better) | 0.90 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.28% | 1.5% (better) |
| Payout ratio | – | 14.2% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | −10.9% |
| Buyback yield | 1.7% (better) | 0.24% |
| Shareholder yield | 2.0% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 92.6% | 68.4% |
| Held by insiders | 2.6% | 16.4% |
| Insider net buying, 12 months | −$21.6M | −$757K (better) |
| Short interest, % of float | 2.4% | 1.7% |
Go deeper
- PLMR stock overview
- PLMR income statement
- PLMR valuation and score
- UFCS stock overview
- UFCS income statement
- UFCS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.