` Comparison: PLMR vs PGR - Alpha Spread
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P
PLMR
vs
PGR

Over the past 12 months, PLMR has significantly outperformed PGR, delivering a return of +7% compared to the PGR's 23% drop.

Valuation Growth Profitability Solvency Stocks Performance
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PLMR
PGR
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Stocks Compared:
PLMR PGR
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Valuation Comparison

P
PLMR Intrinsic Value
189.83 USD
Undervaluation 31%
Intrinsic Value
Price
PGR Intrinsic Value
270.15 USD
Undervaluation 23%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
P
Palomar Holdings Inc
NASDAQ:PLMR
131.59 USD
Progressive Corp
NYSE:PGR
207.91 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
PLMR, PGR

PLMR
PGR
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
P
Palomar Holdings Inc
Revenue
Progressive Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PLMR, PGR

PLMR
PGR
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
P
Palomar Holdings Inc
NASDAQ:PLMR
FCF is not applicable for financial companies
Progressive Corp
NYSE:PGR
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PLMR
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Operating Margin

PLMR
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Net Margin

PLMR
22.5%
PGR
12.9%
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Progressive Corp

FCF Margin

PLMR
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROE

PLMR
23.6%
PGR
40.4%
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Progressive Corp

ROA

PLMR
7.4%
PGR
9.9%
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Progressive Corp

ROIC

PLMR
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

ROCE

PLMR
PGR
LTM 3Y Avg 5Y Avg 10Y Avg
P
Palomar Holdings Inc
Not applicable for financial companies
Progressive Corp
Not applicable for financial companies

Solvency Comparison

P
Palomar Holdings Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Progressive Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PLMR, PGR

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PLMR
PGR
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
PLMR, PGR

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PLMR
PGR
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
PLMR, PGR

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PLMR
PGR
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