MARKET WIRECNBC • 2h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
Why PLMR Stock advanced +0.54% Today — RQD Quant Desk Flash
$137.17 +0.54% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $137.63
Palomar Holdings Inc. (PLMR) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 21% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
ROARABLE B • BUY
Cap $3.61B
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $137.64 (+0.34%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 46.7% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).
Audit Bucket Track Record →RQD QUANT TACHOMETERBUY • B
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw B+ · Rk B
Each axis scored 0–20
12M PRICE TARGET CONE+7.6% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PLMR)Realized 20D OHLCV Swing Band: ±6.3%
Deterministic 5-Pillar Attribution (75/100 Composite)
🔍 WHY PLMR SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (24% of score)
SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)
▲ #2 Bullish Driver: Cash Engine Quality+17/20 pts (23% of score)
SEC XBRL FY 2025 (10-K): 46.7% FCF Margin ($409.0M FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade B-$130.76+6.8% Next Q
67
Q2 (-2Q)Grade B$139.59+1.6% Next Q
70
Q3 (-1Q)Grade B$141.78-3.3% Next Q
72
CurrentGrade B$137.17+7.4% Hist 90D α
75
Trajectory: B- (67) → B (75)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the PLMR Bull Thesis Could Fail
Even with a 75/100 (B) score, PLMR faces multiple-compression risk if 18.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($133.26) or 200D SMA ($126.30) invalidates the momentum regime and cuts Target Base ($147.66) toward Bear Floor ($112.48).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $PLMR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PLMR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why PLMR Stock advanced +0.54% Today — RQD Quant Desk Flash
Palomar Holdings Inc. (PLMR) advanced +0.54% to $137.17, trading at 78% of its 52-week range ($100.81 – $147.62). High-quality cash engine (steady margins, 21% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 78% of its 52-week range ($100.81 – $147.62) with RSI-14 at 57.9 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.3% around $137.17 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B (Buy) backed by 52% gross margin and $409.0M annual free cash flow.
Live PLMR Headlines & Catalysts
MARKET WIRECNBC • 3h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 4h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 5h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 6h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 7h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 7h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
MARKET WIREReuters • 7h ago
German ministers pledge tough action after rioters damage stores in Frankfurt - ReutersGerman ministers pledge tough action after rioters damage stores in Frankfurt Reuters
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (PLMR Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
PLMR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.95%📐 HORIZONTAL RANGE
2026-10-30O $140.6H $140.8L $137.2C $137.2VOL 136.7K
RES: $145.0SUP: $116.5SMA50: $133.3SMA200: $126.3
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
PLMR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
11.5%/yr Implied 5Y Growth
vs. +58.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on PLMR today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for PLMR. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PLMR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PLMR)
Financials Rank #40 of 1096
⚔️ LMND vs PLMR Full Matrix →
1. Head-to-Head Financials Peer Comparison (PLMR vs. LMND, NMIH, SLDE, AGO)
Industry: Property-Casualty Insurers (68 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Palomar Holdings Inc. (PLMR) ranks #40 by composite RQD confidence (75/100, grade B) and #326 by equity capitalization ($3.61B). Within this direct 5-issuer industry benchmark cohort, AGO leads on earnings valuation at 6.2x trailing P/E, while SLDE leads on capital efficiency and profitability with 39.9% ROIC and — gross margin. SLDE currently holds the highest overall quantitative score in the immediate peer group at 82/100 (A-) compared with PLMR at 75/100 (B).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PLMR
ACTIVE
Palomar Holdings Inc. | B | 75/100 | 18.3x | — | 20.9% | +0.54% | $3.61B | Benchmark Subject |
| LMND Lemonade Inc. | D- | 38/100 | — | — | -31.1% | +1.21% | $3.55B | /lmnd-vs-plmr → |
| NMIH NMI Holdings Inc. | C+ | 68/100 | 8.4x | — | 15.0% | +2.54% | $3.25B | /nmih-vs-plmr → |
| SLDE Slide Insurance Holdings Inc. | A- | 82/100 | 7.2x | — | 39.9% | +1.29% | $3.22B | /slde-vs-plmr → |
| AGO Assured Guaranty Ltd. | C | 63/100 | 6.2x | — | 8.9% | +2.25% | $3.12B | /ago-vs-plmr → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001761312In its most recent audited fiscal period (FY2025, filed 2025-12-31), Palomar Holdings Inc. (PLMR) reported GAAP revenue of $876.0M (+58.2% vs. FY2024 revenue of $553.9M , and +133.0% cumulative change since FY2023) , GAAP net income of $197.1M, operating cash flow of $409.1M, and free cash flow of $409.0M (+56.8% YoY). On the balance sheet, PLMR closed FY2025 with $3.05B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $876.0M | $197.1M | $409.1M | $409.0M | $3.05B | — |
| FY2024 (FY) | 2024-12-31 | $553.9M | $117.6M | $261.2M | $260.9M | $2.26B | — |
| FY2023 (FY) | 2023-12-31 | $375.9M | $79.2M | $116.1M | $116.1M | — | — |
3. PLMR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs PLMR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Palomar Holdings Inc. (NASDAQ: PLMR) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $137.17 (+0.54% 1D, market cap $3.61B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 18/20. Across 1096 tracked Financials issuers, PLMR ranks #40 in composite RQD confidence.
How does PLMR compare to LMND and NMIH in the Financials sector?
Within the Financials sector (Property-Casualty Insurers), PLMR carries a Roarable B (75/100 RQD), trailing P/E of 18.3x, gross margin of —, and ROIC of 20.9%. By comparison, LMND (Lemonade Inc.) holds a D- grade (38/100 RQD, P/E N/A, ROIC -31.1%, cap $3.55B) and NMIH (NMI Holdings Inc.) posts a C+ grade (68/100 RQD, P/E 8.4x, ROIC 15.0%, cap $3.25B). Among the 5-stock peer group, AGO leads on earnings multiple (6.2x) while SLDE leads on capital efficiency (39.9% ROIC).
What are the biggest fundamental strengths and SEC risk factors for PLMR?
Per PLMR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001761312), Palomar Holdings Inc. generated $876.0M in revenue (+58.2% YoY), $197.1M in net income, and $409.0M in free cash flow against $3.05B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is PLMR trading relative to its 50-day, 200-day, and 52-week technical levels?
PLMR last traded at $137.17 (+0.54% on volume of 263,297 shares), positioning the stock +2.93% above its 50-day simple moving average ($133.26) and +8.61% above its 200-day simple moving average ($126.30). Across its 52-week range of $100.81 to $147.62, PLMR sits at the 77.7% percentile with a 14-day RSI of 57.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.3% ($128.53 to $145.81).
PLMR Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is PLMR stock moving today?
Why PLMR Stock advanced +0.54% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 21% return on capital) with steady institutional support.