Palomar Holdings Inc (PLMR)vsThe Travelers Companies Inc (TRV)
PLMR
Palomar Holdings Inc
$121.84
-0.13%
FINANCIAL SERVICES · Cap: $3.26B
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 5474% more annual revenue ($48.83B vs $875.97M). PLMR leads profitability with a 22.5% profit margin vs 12.9%. TRV trades at a lower P/E of 10.7x. PLMR earns a higher WallStSmart Score of 72/100 (B).
PLMR
Strong Buy72
out of 100
Grade: B
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+60.8%
Fair Value
$336.02
Current Price
$121.84
$214.18 discount
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 62.7% year-over-year
Earnings expanding 59.9% YoY
Every $100 of equity generates 24 in profit
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 28.7%
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, EPS Growth, Return on Equity. Profitability is solid with margins at 22.5% and operating margin at 28.7%. Revenue growth of 62.7% demonstrates continued momentum.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity.
Bear Case : PLMR
The primary concerns for PLMR are Piotroski F-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
PLMR profiles as a growth stock while TRV is a value play — different risk/reward profiles.
PLMR carries more volatility with a beta of 0.53 — expect wider price swings.
PLMR is growing revenue faster at 62.7% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PLMR scores higher overall (72/100 vs 71/100), backed by strong 22.5% margins and 62.7% revenue growth. TRV offers better value entry with a 75.4% margin of safety. 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 →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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