Palomar Holdings, Inc. — Earnings Quality Grade A
PLMR · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 384 days, change -78 days YoY
AR growth 31.5% vs revenue growth 58.2%
Revenue 58.2%, CFFO 56.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -16.4% vs revenue 58.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 2.08. Profits backed by cash
FCF $0.4B, FCF/NI = 2.04
Accruals ratio = -7.0%. Low accruals
Insufficient data
Balance Sheet Health
Goodwill+Intangibles $0.1B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 361% YoY
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Palomar Holdings, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25