Pelagos Insurance Capital Limited (PLGO) carries a Roarable Rating of D (Sell) with 44/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-01, Pelagos Insurance Capital Limited (NYSE: PLGO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $26.12 (+1.91% 1D, market cap $2.26B). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, PLGO ranks #942 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), PLGO carries a Roarable D (44/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, HCI (HCI Group Inc.) holds a B+ grade (76/100 RQD, P/E 7.7x, ROIC 30.8%, cap $2.47B) and SKWD (Skyward Specialty Insurance Group Inc.) posts a C+ grade (68/100 RQD, P/E 15.3x, ROIC 16.8%, cap $2.60B). Among the 5-stock peer group, HCI leads on earnings multiple (7.7x) while HCI leads on capital efficiency (30.8% ROIC).
Per PLGO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001636639), Pelagos Insurance Capital Limited generated $2.50B in revenue (+3.3% YoY), $0 in net income, and -$408.3M in free cash flow against $12.44B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4.4% realized swing band)
FRED Regime × Technicals: 95% of 52W Range • RSI-14 at 66.2 (BULLISH MOMENTUM)
Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment
While PLGO currently carries a cautious 44/100 (D) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($24.68) and Max Pain ($27.43) forces dealer call-delta covering toward $28.87.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.92% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Pelagos Insurance Capital Limited (PLGO) advanced +1.91% to $26.12, trading at 95% of its 52-week range ($17.74 – $26.56). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
Markel Group (MKL) delivered earnings and revenue surprises of +25.56% and +3.80%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Low-volatility stocks may offer stability, but that often comes at the cost of slower growth and the upside potential of more dynamic companies.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PLGO today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PLGO. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Pelagos Insurance Capital Limited (PLGO) ranks #942 by composite RQD confidence (44/100, grade D) and #412 by equity capitalization ($2.26B). Within this direct 5-issuer industry benchmark cohort, HCI leads on earnings valuation at 7.7x trailing P/E, while HCI leads on capital efficiency and profitability with 30.8% ROIC and — gross margin. HCI currently holds the highest overall quantitative score in the immediate peer group at 76/100 (B+) compared with PLGO at 44/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PLGO
ACTIVE
Pelagos Insurance Capital Limited | D | 44/100 | — | — | — | +1.91% | $2.26B | Benchmark Subject |
| HCI HCI Group Inc. | B+ | 76/100 | 7.7x | — | 30.8% | +1.53% | $2.47B | /hci-vs-plgo → |
| SKWD Skyward Specialty Insurance Group Inc. | C+ | 68/100 | 15.3x | — | 16.8% | +0.95% | $2.60B | /skwd-vs-plgo → |
| KMPR Kemper Corporation | C+ | 67/100 | 13.4x | — | 5.3% | +10.48% | $1.92B | /kmpr-vs-plgo → |
| HMN Horace Mann Educators Corporation | C- | 61/100 | 11.6x | — | 10.9% | +1.79% | $1.89B | /hmn-vs-plgo → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pelagos Insurance Capital Limited (PLGO) reported GAAP revenue of $2.50B (+3.3% vs. FY2024 revenue of $2.42B , and -30.5% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of -$408.3M, and free cash flow of -$408.3M (-166.0% YoY). On the balance sheet, PLGO closed FY2025 with $12.44B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.50B | $0 | -$408.3M | -$408.3M | $12.44B | — |
| FY2024 (FY) | 2024-12-31 | $2.42B | $113.3M | $618.2M | $618.2M | $11.77B | — |
| FY2023 (FY) | 2023-12-31 | $3.60B | $2.13B | $495.2M | $495.2M | — | — |
As of 2026-11-01, Pelagos Insurance Capital Limited (NYSE: PLGO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 44/100 at a spot price of $26.12 (+1.91% 1D, market cap $2.26B). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, PLGO ranks #942 in composite RQD confidence.
Within the Financials sector (Property-Casualty Insurers), PLGO carries a Roarable D (44/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, HCI (HCI Group Inc.) holds a B+ grade (76/100 RQD, P/E 7.7x, ROIC 30.8%, cap $2.47B) and SKWD (Skyward Specialty Insurance Group Inc.) posts a C+ grade (68/100 RQD, P/E 15.3x, ROIC 16.8%, cap $2.60B). Among the 5-stock peer group, HCI leads on earnings multiple (7.7x) while HCI leads on capital efficiency (30.8% ROIC).
Per PLGO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001636639), Pelagos Insurance Capital Limited generated $2.50B in revenue (+3.3% YoY), $0 in net income, and -$408.3M in free cash flow against $12.44B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
PLGO last traded at $26.12 (+1.91% on volume of 212,086 shares), positioning the stock +5.83% above its 50-day simple moving average ($24.68) and +16.76% above its 200-day simple moving average ($22.37). Across its 52-week range of $17.74 to $26.56, PLGO sits at the 95.0% percentile with a 14-day RSI of 66.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($24.97 to $27.27).
Why PLGO Stock advanced +1.91% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
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