Palomar vs Universal Insurance
PLMR and UVE 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 UVE compare
Palomar is the larger company, worth 2.7 times as much as Universal Insurance ($3.7B against $1.3B).
On earnings, Universal Insurance is cheaper: it trades at 6.1× trailing earnings, against 18.9× for Palomar.
Palomar grew revenue faster over the last twelve months (60.0% versus 5.5% for Universal Insurance).
Palomar keeps more of each dollar of sales as profit, with a net margin of 18.6% compared with 13.9% at Universal Insurance.
Both pay dividends: Palomar yields 0.32% and Universal Insurance 1.6%.
Universal Insurance scores higher on the StockData Score (15 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 | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $3.7B | $1.3B |
| Share price | $140.32 | $48.50 |
| Change, 1 year | 24.7% | 54.3% |
| Change, 5 years | 47.7% | 218% |
| Beta (5Y) | 0.70 | 0.44 |
| Employees | 439 | 929 |
| StockData Score | ||
| Total score | 11 | 15 (better) |
| Valuation score | 1 | 4 (better) |
| Growth score | 4 (better) | 1 |
| Performance score | 5 | 6 (better) |
| Health score | 0 | 0 |
| Dividend score | 1 | 4 (better) |
| Valuation | ||
| P/E | 18.9× | 6.1× (better) |
| P/S | 3.4× | 0.8× (better) |
| P/B | 3.8× | 2.1× (better) |
| P/FCF | 8.9× | 3.7× (better) |
| PEG | 0.36 | – |
| FCF yield | 11.2% | 26.7% (better) |
| Fair value | $117.94 | $56.78 |
| Margin of safety | −19.0% | 14.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 60.0% (better) | 5.5% |
| Revenue growth, 5Y average | 39.1% (better) | 8.4% |
| Net income growth (TTM) | 31.1% | 90.0% (better) |
| EPS growth (TTM) | 30.8% | 88.7% (better) |
| EPS growth, 5Y average | 97.3% (better) | 60.1% |
| Profitability | ||
| Net margin | 18.6% (better) | 13.9% |
| FCF margin | 38.0% (better) | 21.6% |
| Return on equity | 22.2% | 40.8% (better) |
| Financial health | ||
| Altman Z-score | 1.18 | 1.24 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 0.32% | 1.6% (better) |
| Payout ratio | – | 9.5% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.00% |
| Buyback yield | 2.7% (better) | 1.9% |
| Shareholder yield | 3.1% | 3.5% (better) |
| Ownership | ||
| Held by institutions | 92.6% | 77.6% |
| Held by insiders | 2.7% | 14.6% |
| Insider net buying, 12 months | −$21.9M | −$9.2M (better) |
| Short interest, % of float | 3.0% | 5.0% |
Go deeper
- PLMR stock overview
- PLMR income statement
- PLMR valuation and score
- UVE stock overview
- UVE income statement
- UVE valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.