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 $483.15 per share. The share price was $123.99 on September 25, 2026, 74% 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% | $290.23 | +134% |
| Base | 15.0% | 9.0% | $483.15 | +290% |
| Bull | 20.0% | 8.0% | $842.36 | +579% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $629.21 | $674.75 | $730.41 | $799.99 | $889.45 |
| 8.0% | $519.49 | $549.02 | $583.92 | $625.81 | $677.00 |
| 9.0% | $439.66 | $459.85 | $483.15 | $510.33 | $542.46 |
| 10.0% | $379.12 | $393.48 | $409.76 | $428.36 | $449.82 |
| 11.0% | $331.76 | $342.29 | $354.05 | $367.29 | $382.29 |
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