Advanced Ag Protection LLC
Total Consideration
$32.5M
Purchase-Price Allocation
Goodwill
$21.8M
Palomar Holdings, Inc. — Key Metrics
2 years of history · ending 2025-12-31 · SEC EDGAR
Per Share Metrics
Expense Ratios
Working Capital Analysis
Valuation Multiples
Cash-Flow Multiples
Enterprise Value Multiples
52-Week Range
Trailing Returns
Yields
Capital Deployment Yields
Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)
EPS (Diluted)
$7
Book Value Per Share
$34
Free Cash Flow Per Share
$15
Cash Per Share
$4
Revenue Per Share
$32
OCF Per Share
$15
Return on Equity
23.6%
Return on Assets
7.4%
Asset Turnover
0.33
SBC / Revenue
2.4%
Capex / Revenue
0.0%
Invested Capital
$943M
OCF / Net Income
2.08
FCF / Net Income
2.08
Accruals Ratio (Sloan)
-7.0%
Net Debt
$-107M
Net Debt / EBITDA
-11.97
Cash Coverage
1043.68
Capex Coverage
2986.28
Tangible Common Equity
$912M
TCE / Total Assets
29.9%
Goodwill / Total Assets
1.0%
Cash ROIC
48.9%
Capex / D&A
0.02
Total Payout Ratio
18.9%
Asset Growth vs Revenue Growth
-23.3%
Revenue 5Y CAGR
39.1%
EPS 5Y CAGR
99.4%
FCF 5Y CAGR
48.1%
EBITDA 5Y CAGR
46.2%
Book Value 5Y CAGR
21.0%
Stock Price (FY-end)
$135
Market Cap
$3.70B
P/E Ratio
18.79
P/S Ratio
4.23
P/B Ratio
3.93
P/TB Ratio
4.06
P/OCF Ratio
9.05
P/FCF Ratio
9.06
Enterprise Value
$3.60B
EV / EBITDA
402.94
EV / Sales
4.11
EV / FCF
8.80
FCF Yield
11.0%
Shareholder Yield
0.4%
Buyback Yield
1.0%
Capex Yield
0.0%
Graham Number
$74
Shares Variation (YoY)
4.8%
Beta (5Y)
0.99
Cost of Equity
9.4%
52W High
$176
52W Low
$102
Trailing Return 1Y
29.1%
Trailing Return 5Y
47.1%
Earnings Forecasts
Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).
Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.
EPS — Consensus vs Actual
Revenue — Consensus vs Actual
Stock Price on Earnings Dates
Palomar Holdings, Inc. — Effective Tax Rate ReconciliationNEW
Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.
Effective Rate Trend
| Reconciliation Line | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Federal Statutory Rate | 21.00% | 21.00% | 21.00% | 21.00% | 21.00% | 21.00% |
| State & Local Income Taxes | — | -3.06% | 1.14% | 0.69% | 0.32% | 0.41% |
| Foreign Rate Differential | — | — | — | — | — | — |
| Other Adjustments | -5.67% | -0.18% | 0.00% | 0.26% | 0.50% | 0.45% |
| SBC (Nondeductible) | -24.44% | -1.87% | 0.23% | 1.47% | 0.28% | 0.22% |
| Valuation Allowance Change | 9.63% | 3.85% | -0.28% | -0.40% | 0.08% | 0.04% |
| Tax Law Change | — | — | — | — | — | — |
| Effective Tax Rate | -0.54% | 19.76% | 22.77% | 23.58% | 22.23% | 22.22% |
Cash vs Accrual
| Item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Accrual) | −$34.0K | $11.3M | $15.4M | $24.4M | $33.6M | $56.3M |
| Income Taxes Paid (Cash) | $7.2M | $2.1M | $18.9M | $21.1M | $38.5M | $59.1M |
Palomar Holdings, Inc. — M&A AcquisitionsNEW
Per-deal acquisition disclosures sourced from us-gaap:BusinessAcquisitionAxis dimensional XBRL. Each card surfaces the deal's purchase-price allocation (goodwill vs intangibles vs liabilities), contingent consideration (unpaid earn-outs), and pro-forma combined-entity numbers. Probability-of-Success (PoS) factor on biotech targets is the ASC 805 contingent-consideration valuation — higher = closer to commercialization, higher implied target value.
First Indemnity Of America Insurance Company
Total Consideration
$29.5M
Purchase-Price Allocation
Goodwill
$4.9M
Gray Casualty And Surety Company
Total Consideration
$311.0K
Palomar Holdings, Inc. — Litigation CasesNEW
Per-case litigation disclosures sourced from us-gaap:LossContingenciesByNatureOfContingencyAxis dimensional XBRL. Coverage is sparse — most filers aggregate at the parent level (JNJ talc, PFE opioid) — but high-value when per-case disclosure exists. Loss estimate is either a single point or a low/high range, depending on how the issuer values the contingency.
As of 2025-12-31
| Case | Estimated Loss | Damages Sought | Settlement |
|---|---|---|---|
| Standby Letters Of Credit | $4M | — | — |