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Palomar Holdings, Inc. (PLMR) vs RLI Corp. (RLI)

Palomar Holdings, Inc. and RLI Corp. are both Insurance Property & Casualty companies. RLI Corp. is the larger, with a market value of $6.4B against $4.1B — 1.6× the size. RLI Corp. trades at the lower P/E: 16.0× against 18.9×. Palomar Holdings, Inc. grew revenue faster over the last twelve months: 58.5% against 4.65%. RLI Corp. has the higher net margin (20.3% vs 17.6%) and the higher return on invested capital (16.5% vs 14.1%). Both pay a dividend; RLI Corp. yields more (0.76% vs 0.29%). Across the 21 metrics below, RLI Corp. leads on 11 and Palomar Holdings, Inc. on 10.

Valuation

Metric PLMR RLI Insurance Property & Casualty median
P/E 18.93 15.96 11.90
P/S 3.32 3.24 1.24
P/B 4.16 3.71 1.86
Price to free cash flow 9.20 11.82 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.28% 6.27% 8.14%
Free cash flow yield 10.87% 8.46% 11.91%

Profitability

Metric PLMR RLI Insurance Property & Casualty median
Gross margin 23.84% 33.49% 39.44%
Operating margin 23.84% 26.42% 14.71%
Net margin 17.60% 20.34% 10.47%
Free cash flow margin 36.66% 27.37% 18.60%
Return on equity 23.30% 22.13% 16.87%
Return on assets 6.10% 6.23% 3.49%
Return on invested capital 14.10% 16.47% 11.84%

Growth

Metric PLMR RLI Insurance Property & Casualty median
Revenue growth (TTM) 58.45% 4.65% 5.51%
EPS growth (last fiscal year) 60.04% 16.84% 39.61%
Revenue growth, 5-year CAGR 39.06% 13.86% 9.23%
Net income growth, 5-year CAGR 99.37% 20.75% 10.09%

Health

Metric PLMR RLI Insurance Property & Casualty median
Debt to equity 0.32 0.18 0.25
Current ratio 0.48 0.25 0.49
Net debt to EBITDA (0.41) 0.09 0.08

Dividend

Metric PLMR RLI Insurance Property & Casualty median
Dividend yield 0.29% 0.76% 1.59%
Payout ratio 0.06 0.12 0.15

Size

Metric PLMR RLI Insurance Property & Casualty median
Market cap 4.10b 6.40b 2.62b

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