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Pelagos Insurance Capital Limited

PLGO Financial Insurance Diversified

Pelagos Insurance Capital Limited’s revenue for fiscal 2025 (year ended December 2025) was $2.5 billion, up 3.33% from fiscal 2024.

Revenue
+10.3%
EPS
+194.4%
Free cash flow
+92.6%
Total debt
−14.5%

Quarter to June 2026, against a year earlier

27.74 0.32 +1.17%
Market cap
$2.3B
P/E
6.7×
Fwd P/E
7.4×
Dividend yield
2.16%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 37.01%

Capital & Financial Ratios $m

Size
Market Cap 2,310.00
Revenue ttm 2,513.40
Net income ttm 400.70
Free cash flow ttm 630.10
Net debt Q 203.40
Valuation
P/E 6.73
Forward P/E 7.44
Price / sales 0.93
Forward P/S Powerpack
Price / FCF 3.72
Price / book 1.05
Financial health
Current ratio Q 0.65
Debt / equity Q 0.32
Interest coverage Q 5.51
Growth
Revenue growth Q +10.30% (above 0%: growing)
Operating income growth Q +135.26% (above 0%: growing)
EPS, this year +59.63% (at or above 15%: strong)
EPS, next year A +29.62% (at or above 15%: strong)
Revenue, next year A +5.50%
EPS, past 5 yrs +14.12%
EPS, next 5 yrs A +32.35% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 86.36%
10-year low 10-year high
P/B against its own 10 years 100.00%
10-year low 10-year high

Dividends

Yield
2.16%
Annual rate
0.60
Payout ratio
14.7%
Growth, 2024–25
+25.0%/yr
  1. 0.40 ’24
  2. 0.50 ’25 +25
  3. 0.62 ’26e +23
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 964 947 1,248 517
Receivables 3,674 4,472 5,131 6,169
Inventory — — — —
Other — — — —
4,638 5,419 6,379 6,687
2023 2024 2025 Q'26
Payables 6,670 8,326 8,652 10,302
ST’ Debt — — — —
Other — — — —
6,670 8,326 8,652 10,302

Compound Annual Growth %

10y 5y 3y
Sales — 26.60% 18.04%
Cash Flow — 0.00% 0.00%
Earnings — 12.17% 62.45%
Book Value — — 6.49%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.88 Actual 0.34

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Mar 2026 0.75 0.94 Beat by 0.19
Jun 2026 0.88 0.34 Miss by 0.54
Sep 2026 0.79 — Reports 11 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.15 0.52 — — —
’25 (0.38) 0.18 1.24 1.17 2.11
’24 0.69 0.46 0.88 (1.09) 0.98
’23 15.64 0.76 0.74 1.93 18.65
’22 0.10 0.06 (0.47) — 0.26
’21 — — — — 0.39
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 611 650 — — —
’25 658 589 652 601 2,501
’24 520 540 686 674 2,420
’23 2,052 453 538 554 3,596
’22 318 330 433 440 1,520
’21 — — — — 1,189
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 274 (26) — — —
’25 (433) (359) 155 229 (408)
’24 (35) 209 319 126 618
’23 (112) 260 149 197 495
’22 86 270 277 111 743
’21 — — — 368 368
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 274 (27) — — —
’25 (433) (359) 155 229 (409)
’24 (36) 207 317 125 614
’23 (113) 259 149 193 489
’22 80 261 274 108 724
’21 — — — 361 361
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — — 769 1,189 1,520 3,596 2,420 2,501 2,513 +26.6% 2,638 2,788 2,988 +6.1%
Gross margin, % — — — — 0.00 16.19 15.95 60.44 10.93 16.82 25.19 +16.8 pt
EBT — — — — 124 79 80 2,047 136 276 460 +17.3%
EBT margin, % — — — — 16.12 6.62 5.27 56.93 5.64 11.02 18.29 (5.1) pt
Net income — — — — 127 78 62 2,133 113 226 401 +12.2%
Per share, $
Per share, $ Revenue — — — — 6.63 6.08 7.83 31.46 21.00 23.55 29.77 +28.9%
Earnings — — — — 1.09 0.35 0.27 18.65 0.98 2.12 4.12 +14.2%
Cash flow — — — — 2.73 1.88 3.82 4.33 5.37 (3.85) 7.48 n/m
Capex — — — — 0.00 (0.04) (0.10) (0.06) (0.04) (0.01) (0.02) n/m
Free cash flow — — — — 2.73 1.84 3.73 4.28 5.33 (3.86) 7.46 n/m
Book value — — — — 0.00 10.33 10.23 21.43 21.25 22.60 26.30 n/m
Shares, m — — — — 116 196 194 114 115 106 97 (1.8%)
Valuation, ×
Valuation, × P/E — — — — 0.84 0.84 0.84 0.65 19.29 8.78 6.73 5.2
P/S — — — — 0.44 0.44 0.44 0.39 0.86 0.83 0.93 0.6
P/B — — — — 0.75 0.75 0.75 0.58 0.85 0.87 1.05 0.8
EV/Sales — — — — 0.36 0.36 0.36 0.25 0.66 0.67 — 0.4
EV/FCF — — — — 2.19 2.19 2.19 1.83 2.59 (4.09) — 1.2
Cash, $m
Cash, $m Operating cash flow — — — — 316 368 743 495 618 (408) 632 n/m
Capex — — — — (2) (7) (19) (6) (5) (1) (1) (9.7%)
Free cash flow — — — — 316 361 724 489 614 (409) 630 n/m
Balance, $m
Balance, $m Working capital — — — — — (1,365) (1,315) (2,032) (2,907) (2,273) (3,616) +13.6%
Net debt — — — — — (29) (960) (516) (498) (404) 203 +93.1%
Shareholders’ equity — — — — — 2,019 1,987 2,450 2,448 2,400 2,221 +4.4%
Returns, %
Returns, % ROA — — — — 0.00 0.00 0.68 23.25 1.04 1.86 2.97 +1.9 pt
ROIC — — — — — 3.60 7.04 67.44 5.40 10.11 13.40 +6.5 pt
ROE — — — — 0.00 0.00 2.63 96.13 4.63 9.30 17.64 +9.3 pt
People
People Employees — — — — — — 51 — 98 108 — +28.4%
Revenue/emp, $m — — — — 0.00 0.00 29.81 0.00 24.69 23.15 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Pelagos Insurance Capital Limited vs peers in Insurance Diversified (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AIG American International Group, Inc. $42.3B 13.1× 11.5× +17.19% (above 0%: growing) +71.28% (above 0%: growing) +100.37% (above 0%: growing) 0.00% 0.00% Compare
ACGL Arch Capital Group Ltd. $37.7B 8.8× 9.2× −8.89% (below 0%: shrinking) −15.09% (below 0%: shrinking) −19.60% (below 0%: shrinking) 37.31% 26.42% Compare
HIG The Hartford Insurance Group, Inc. $36.7B 8.2× 9.0× +3.94% (above 0%: growing) +28.27% (above 0%: growing) +67.37% (above 0%: growing) 48.57% 22.62% Compare
AEG Aegon NV $12.6B — (loss-making) 8.4× −53.52% (below 0%: shrinking) −86.85% (below 0%: shrinking) +30.41% (above 0%: growing) 14.93% (11.60%) Compare
BNT Brookfield Wealth Solutions Ltd. $12.4B 48.5× — +38.85% (above 0%: growing) −80.05% (below 0%: shrinking) +154.51% (above 0%: growing) 26.99% 10.58% Compare
PLGO Pelagos Insurance Capital Limited $2.3B 6.7× 7.4× +10.30% (above 0%: growing) +194.44% (above 0%: growing) +92.57% (above 0%: growing) 15.54% 10.68%
XZO Exzeo Group, Inc. $1.6B 17.7× 18.0× +0.04% (above 0%: growing) 0.00% −101.10% (below 0%: shrinking) 62.06% 47.39% Compare
IGIC International General Insurance Holdings Ltd. $1.0B 10.1× 8.3× +8.54% (above 0%: growing) −12.00% (below 0%: shrinking) −54.63% (below 0%: shrinking) 34.54% 14.30% Compare
WDH Waterdrop Inc. Unsponsored ADR $280.7M 4.8× 4.9× +82.47% (above 0%: growing) 0.00% +117.24% (above 0%: growing) 62.90% 7.68% Compare
Median of peers $12.5B 10.1× 9.0× +6.24% −6.00% +48.89% 35.92% 12.44%

All 11 Insurance Diversified stocks →

Pelagos Insurance Capital Limited (PLGO) Latest News

28 Aug

Impact 3 ·

19 Aug

Impact 3 ·

17 Aug

Impact 4 ·

12 Aug

Impact 3 ·
Impact 3 ·
Impact 3 ·

5 Aug

Impact 3 ·

3 Jul

Impact 3 ·
Impact 3 ·

2 Jun

Impact 4 · · Zacks

16 May

Impact 3 · · Simply Wall St.

14 May

Impact 4 · · GuruFocus.com
Impact 4 · · MarketBeat
Impact 4 · · StockStory
Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby

13 May

Impact 4 · · Zacks
Impact 4 · · StockStory
Impact 3 · · Business Wire

12 May

Impact 4 · · Business Wire

3 May

Impact 4 · · Simply Wall St.

10 Apr

Impact 4 · · Simply Wall St.

1 Apr

Impact 3 · · Business Wire

5 Mar

Impact 4 · · Insider Monkey

2 Mar

Impact 4 · · Business Wire

28 Feb

Impact 4 · · MarketBeat

26 Feb

Impact 4 · · GuruFocus.com
Impact 4 · · Moby

25 Feb

Impact 4 · · Associated Press Finance
Impact 3 · · StockStory

PLGO metrics, ten years each

stockrow.com/PLGO · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com