Palomar Holdings Inc (PLMR)vsW. R. Berkley Corp (WRB)
PLMR
Palomar Holdings Inc
$133.66
+0.56%
FINANCIAL SERVICES · Cap: $3.53B
WRB
W. R. Berkley Corp
$69.90
-0.21%
FINANCIAL SERVICES · Cap: $25.90B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 1265% more annual revenue ($14.90B vs $1.09B). PLMR leads profitability with a 18.6% profit margin vs 12.9%. WRB trades at a lower P/E of 14.4x. PLMR earns a higher WallStSmart Score of 66/100 (B-).
PLMR
Strong Buy66
out of 100
Grade: B-
WRB
Buy63
out of 100
Grade: C+
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
Attractively priced relative to earnings
Strong operational efficiency at 23.8%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
No major concerns identified
1.2% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PLMR
The strongest argument for PLMR centers on Revenue Growth, Return on Equity, P/E Ratio. Profitability is solid with margins at 18.6% and operating margin at 23.8%. Revenue growth of 54.7% demonstrates continued momentum.
Bull Case : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : PLMR
No major red flags identified for PLMR, but monitor valuation.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PLMR profiles as a growth stock while WRB is a value play — different risk/reward profiles.
PLMR carries more volatility with a beta of 0.38 — expect wider price swings.
PLMR is growing revenue faster at 54.7% — sustainability is the question.
WRB generates stronger free cash flow (788M), providing more financial flexibility.
Bottom Line
PLMR scores higher overall (66/100 vs 63/100), backed by strong 18.6% margins and 54.7% revenue growth. Both earn "Strong Buy" and "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 →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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