What is Palomar Holdings, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Palomar Holdings, Inc.'s reported free cash flow gives $482.95 per share. The share price was $161.08 on November 10, 2026, 67% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $290.04 | +80% |
| Base | 15.0% | 9.0% | $482.95 | +200% |
| Bull | 20.0% | 8.0% | $842.17 | +423% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $629.01 | $674.56 | $730.22 | $799.80 | $889.25 |
| 8.0% | $519.29 | $548.83 | $583.73 | $625.61 | $676.81 |
| 9.0% | $439.46 | $459.66 | $482.95 | $510.14 | $542.26 |
| 10.0% | $378.93 | $393.29 | $409.56 | $428.16 | $449.62 |
| 11.0% | $331.57 | $342.09 | $353.86 | $367.10 | $382.10 |
Where the presets come from
Base: years 1 to 5 grow at Palomar Holdings, Inc.'s revenue growth rate over the last 5 fiscal years (39.1% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions