COMP <GO>
PLMR vs V // PIOTROSKI F-SCORE QUALITY
Palomar Holdings Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: PLMR 3
— V 6
▲ PIOTROSKI F-SCORE QUALITY LEADER: V
LAST: $145.02 (+3.35%) • MKT CAP: $3.82B
piotroski-score
6/9
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
piotroski-score
9/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PLMR VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PLMR | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 20.90% | 32.30% | -11.40 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 11.33% | 2.90% | +8.43 | PLMR | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 22.50% | 50.10% | -27.60 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 58.20% | 11.30% | +46.90 | PLMR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 6/9 | 9/9 | -3.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.4 | 74.2 | -11.80 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.4x | 34.0x | -18.60 | PLMR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.82B | $760.28B | -$756.47B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PLMR REV | V REV | PLMR GROSS % | V GROSS % | PLMR FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $876.0M | $40.00B | — | — | $409.0M | $21.26B |
| FY 2024 | $553.9M | $35.93B | — | — | $260.9M | $18.33B |
| FY 2023 | $375.9M | $32.65B | — | — | $116.1M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PLMR // BETA —
V // BETA 1.06