Palomar Holdings Inc (PLMR)vsRoyal Bank of Canada (RY)
PLMR
Palomar Holdings Inc
$136.44
+1.78%
FINANCIAL SERVICES · Cap: $3.70B
RY
Royal Bank of Canada
$204.77
+0.86%
FINANCIAL SERVICES · Cap: $281.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 6053% more annual revenue ($67.15B vs $1.09B). RY leads profitability with a 33.9% profit margin vs 18.6%. RY trades at a lower P/E of 17.8x. RY earns a higher WallStSmart Score of 68/100 (B-).
PLMR
Strong Buy66
out of 100
Grade: B-
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 54.7% year-over-year
Every $100 of equity generates 21 in profit
Strong operational efficiency at 23.8%
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
No major concerns identified
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, Return on Equity, Operating Margin. Profitability is solid with margins at 18.6% and operating margin at 23.8%. Revenue growth of 54.7% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : PLMR
No major red flags identified for PLMR, but monitor valuation.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
PLMR profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.91 — expect wider price swings.
PLMR is growing revenue faster at 54.7% — sustainability is the question.
PLMR generates stronger free cash flow (166M), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 66/100), backed by strong 33.9% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Palomar Holdings Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Palomar Holdings, Inc., an insurance holding company, offers specialized property insurance to residential and commercial clients. The company is headquartered in La Jolla, California.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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