$134.06

-7.13 (-5.05%)

Weekly Expected Move ±3.7%

$131 $137 $142 $147 $152

NASDAQ · Financial Services · Insurance - Property & Casualty · Tech Score Buy · Power 70 · $3.6B mcap · 26M float · 1.03% daily turnover · Short 48% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

41.4 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: -70.3%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. PLMR shows a Weak competitive edge (41.4/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. Negative ROIC of -70.3% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$158

Avg Target

$158

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 9Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$158.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-15	Piper Sandler	Paul Newsome	$119	$165	+46	+21.3%	$136.07
2026-07-10	Evercore ISI	—	$134	$152	+18	+9.9%	$138.30
2025-10-01	Evercore ISI	David Motemaden	$89	$134	+45	+18.1%	$113.49
2024-12-09	Piper Sandler	Paul Newsome	$99	$119	+20	+8.4%	$109.74
2024-05-29	Piper Sandler	Nicole Miller Regan	$90	$99	+9	+18.8%	$83.36
2024-05-29	Truist Financial	Mark Hughes	Initiated	$100	—	+23.2%	$81.17
2024-05-29	Evercore ISI	David Motemaden	Initiated	$89	—	+9.6%	$81.17
2024-05-06	Piper Sandler	Nicole Miller Regan	Initiated	$90	—	+11.4%	$80.82
2024-03-13	Jefferies	Andrew Andersen	Initiated	$88	—	+6.2%	$82.85

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. PLMR receives an overall rating of B+. Strongest factors: ROE (5/5), ROA (5/5). Areas of concern: P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-08-06	B	B+
2026-08-05	B+	B
2026-05-08	B	B+
2026-05-06	A-	B
2026-05-04	B+	A-
2026-04-01	A-	B+
2026-02-26	B	A-
2026-02-19	C-	B
2026-02-12	B	C-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 76 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

100

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. PLMR scores highest in Safety (100/100) and lowest in Value (49/100). An overall grade of A+ places PLMR among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-I Score

8.01

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✗ ✗ ✓ ✗ ✓

Beneish M-Score

-2.56

Unlikely Manipulator

Ohlson O-Score

-6.79

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

AA+

Score: 90.3/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 2.04x

Accruals: -6.2%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. PLMR scores 8.01, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. PLMR scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. PLMR's score of -2.56 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. PLMR's implied 0.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. PLMR receives an estimated rating of AA+ (score: 90.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). PLMR's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

17.48x

PEG

0.56x

P/S

3.26x

P/B

3.60x

P/FCF

8.28x

P/OCF

8.24x

EV/EBITDA

7.39x

EV/Revenue

1.97x

EV/EBIT

7.92x

EV/FCF

5.21x

Earnings Yield

5.94%

FCF Yield

12.08%

Shareholder Yield

2.96%

Graham Number

$78.26

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 17.5x earnings, PLMR trades at a reasonable valuation. An earnings yield of 5.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $78.26 per share, 71% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.772

NI / EBT

Interest Burden

0.969

EBT / EBIT

EBIT Margin

0.249

EBIT / Rev

Asset Turnover

0.321

Rev / Assets

Equity Multiplier

3.718

Assets / Equity

ROE

22.2%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. PLMR's ROE of 22.2% is driven by financial leverage (equity multiplier: 3.72x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$289.08

Price/Value

0.44x

Margin of Safety

56.28%

Premium

-56.28%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with PLMR's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. PLMR actually compounded EPS at 48.6% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. PLMR trades at a -56% premium to its adjusted intrinsic value of $289.08, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 17.5x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$134.06

Median 1Y

$145.09

5th Pctile

$67.75

95th Pctile

$309.43

Ann. Volatility

47.6%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Mac Armstrong Chief Executive Officer and Chairman of the Board	$1,243,269	$3,862,330	$8,961,148
Chris Uchida Financial ancial Officer	$589,927	$1,310,932	$2,953,215
Jon Christianson President	$556,035	$1,206,697	$2,758,117
Jon Knutzen Risk f Risk Officer	$493,789	$968,509	$2,257,263
Rodolphe Hervé Operating rating Officer	$445,435	$688,898	$1,697,093

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

439

+73.5% YoY

Revenue / Employee

$1,995,369

Rev: $875,967,000

Profit / Employee

$448,907

NI: $197,070,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	7.4%	12.1%	11.6%	12.2%	13.4%	13.4%	14.0%	14.6%	18.3%	18.5%	19.5%	20.4%	19.3%	19.6%	20.8%	22.5%	22.2%	23.6%	22.5%	22.2%	22.23%
ROA	3.5%	5.5%	4.9%	4.9%	4.8%	4.7%	4.6%	4.5%	5.1%	5.3%	5.3%	5.4%	5.6%	5.9%	6.2%	6.4%	6.7%	8.8%	6.5%	6.0%	5.98%
ROIC	-38.2%	-51.6%	-45.7%	-40.4%	-44.7%	-32.2%	-34.6%	31.3%	49.8%	-46.2%	57.8%	68.2%	57.9%	66.0%	79.2%	-44.6%	-46.9%	87.7%	39.3%	-70.3%	-70.34%
ROCE	3.8%	6.2%	5.9%	5.6%	5.3%	5.2%	5.1%	5.1%	6.1%	6.3%	6.3%	6.4%	6.2%	6.7%	7.0%	7.0%	7.7%	11.4%	20.4%	6.8%	6.85%
Gross Margin	18.9%	48.8%	44.9%	45.9%	28.0%	48.9%	48.1%	51.4%	52.6%	55.5%	50.5%	49.6%	44.9%	50.0%	51.2%	51.3%	47.2%	72.0%	68.8%	45.9%	45.86%
Operating Margin	0.2%	29.2%	24.4%	23.0%	6.4%	28.2%	25.4%	25.5%	27.0%	31.7%	29.0%	25.4%	26.0%	28.9%	30.8%	29.8%	27.4%	28.7%	19.2%	22.2%	22.20%
Net Margin	0.4%	22.7%	18.6%	18.3%	5.3%	21.2%	19.4%	19.4%	20.3%	24.6%	22.3%	19.6%	20.6%	22.5%	24.6%	23.1%	21.0%	22.2%	15.4%	16.7%	16.73%
EBITDA Margin	0.2%	29.2%	24.6%	23.1%	6.8%	28.6%	26.5%	26.6%	27.9%	32.5%	29.6%	25.6%	26.0%	28.9%	31.2%	29.8%	27.5%	32.8%	20.3%	26.7%	26.69%
FCF Margin	20.8%	36.4%	54.6%	59.3%	46.4%	50.5%	39.4%	30.0%	45.5%	29.1%	31.3%	39.9%	41.3%	46.1%	50.7%	55.0%	46.2%	46.4%	37.2%	37.8%	37.84%
OCF Margin	23.2%	36.9%	55.0%	60.2%	47.3%	51.4%	40.8%	31.5%	47.0%	30.9%	32.5%	40.6%	41.9%	47.2%	51.7%	56.1%	47.0%	46.8%	37.7%	38.0%	38.05%
ROE 3Y Avg	snapshot only																				19.03%
ROE 5Y Avg	snapshot only																				16.65%
ROA 3Y Avg	snapshot only																				5.13%
ROIC Economic	snapshot only																				16.19%
Cash ROA	snapshot only																				10.48%
NOPAT Margin	snapshot only																				18.61%
Pretax Margin	snapshot only																				24.10%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				0.00%
SBC / Revenue	snapshot only																				0.49%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	76.91	36.79	37.88	36.04	43.14	22.27	25.56	25.36	17.78	17.71	24.19	21.56	23.10	24.43	28.01	27.45	18.28	18.68	16.58	16.83	17.478
P/S Ratio	9.70	6.81	5.99	5.55	6.93	3.55	4.15	4.21	3.57	3.73	5.27	4.66	4.98	5.19	6.16	6.26	4.14	4.21	3.34	3.13	3.256
P/B Ratio	5.57	4.28	4.36	4.39	5.87	3.02	3.47	3.55	3.04	2.98	4.26	3.90	3.56	3.94	4.75	5.02	3.66	3.91	3.41	3.49	3.601
P/FCF	46.76	18.73	10.98	9.37	14.94	7.04	10.55	14.03	7.83	12.83	16.85	11.66	12.06	11.24	12.14	11.38	8.97	9.08	8.99	8.28	8.281
P/OCF	41.81	18.45	10.88	9.22	14.63	6.91	10.19	13.36	7.59	12.08	16.20	11.48	11.89	11.00	11.92	11.16	8.82	9.00	8.86	8.24	8.235
EV/EBITDA	49.66	21.07	21.01	19.73	26.06	8.99	11.54	15.79	10.20	7.07	15.03	13.15	14.06	15.24	18.25	15.44	8.65	11.19	10.53	7.39	7.392
EV/Revenue	7.63	4.86	4.27	3.91	5.39	1.88	2.49	3.56	2.80	2.02	4.41	3.78	3.95	4.19	5.14	4.50	2.53	3.39	2.87	1.97	1.970
EV/EBIT	49.66	21.07	21.01	19.73	26.06	8.99	11.54	15.79	10.20	7.07	15.03	13.15	14.06	15.24	18.33	15.49	8.68	11.68	10.95	7.92	7.922
EV/FCF	36.78	13.37	7.83	6.59	11.62	3.73	6.32	11.84	6.14	6.95	14.10	9.47	9.58	9.09	10.13	8.19	5.47	7.31	7.73	5.21	5.206
Earnings Yield	1.3%	2.7%	2.6%	2.8%	2.3%	4.5%	3.9%	3.9%	5.6%	5.6%	4.1%	4.6%	4.3%	4.1%	3.6%	3.6%	5.5%	5.4%	6.0%	5.9%	5.94%
FCF Yield	2.1%	5.3%	9.1%	10.7%	6.7%	14.2%	9.5%	7.1%	12.8%	7.8%	5.9%	8.6%	8.3%	8.9%	8.2%	8.8%	11.1%	11.0%	11.1%	12.1%	12.08%
PEG Ratio	snapshot only																				0.562
Price/Tangible Book	snapshot only																				4.595
EV/OCF	snapshot only																				5.177
EV/Gross Profit	snapshot only																				3.390
Acquirers Multiple	snapshot only																				8.173
Shareholder Yield	snapshot only																				2.96%
Graham Number	snapshot only																				$78.26

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	119466.30	716.47	—	0.95	—	—
Quick Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	119466.30	716.47	—	0.95	—	—
Debt/Equity	0.00	0.00	0.04	0.06	0.07	0.09	0.18	0.17	0.12	0.11	0.09	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.31	0.30	0.302
Net Debt/Equity	-1.19	-1.23	-1.25	-1.30	-1.30	-1.42	-1.39	-0.55	-0.66	-1.36	-0.70	-0.73	-0.73	-0.76	-0.79	-1.41	-1.43	-0.76	-0.48	-1.29	-1.294
Debt/Assets	0.00	0.00	0.02	0.02	0.02	0.03	0.05	0.05	0.03	0.03	0.02	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.08	0.07	0.075
Debt/EBITDA	0.00	0.00	0.27	0.39	0.41	0.53	0.98	0.91	0.53	0.49	0.36	0.00	0.00	0.00	0.00	0.00	0.00	0.03	1.11	1.02	1.017
Net Debt/EBITDA	-13.48	-8.45	-8.47	-8.32	-7.45	-7.99	-7.73	-2.91	-2.81	-5.98	-2.93	-3.05	-3.64	-3.62	-3.62	-6.03	-5.53	-2.71	-1.71	-4.37	-4.366
Interest Coverage	—	—	604.41	289.69	135.96	78.47	40.52	28.55	29.41	28.46	34.02	48.35	75.50	133.86	354.11	573.85	579.71	647.40	74.06	32.60	32.595
Equity Multiplier	2.32	2.35	2.52	2.78	3.31	3.40	3.56	3.74	3.86	3.62	3.76	3.79	3.24	3.10	3.07	3.34	3.35	2.36	3.77	4.04	4.041
Debt Service Coverage	snapshot only																				34.932
Cash to Debt	snapshot only																				5.293
FCF to Debt	snapshot only																				1.396
Defensive Interval	snapshot only																				2185.2 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.28	0.30	0.31	0.32	0.30	0.29	0.28	0.27	0.25	0.25	0.24	0.25	0.26	0.28	0.28	0.28	0.30	0.39	0.32	0.32	0.321
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	1.06	1.24	1.09	1.15	1.00	1.09	1.03	0.93	0.81	0.84	0.76	0.72	0.79	0.89	0.89	0.82	0.92	1.51	1.09	1.38	1.379
Payables Turnover	3.42	2.69	2.97	2.33	1.65	1.64	1.45	1.18	0.87	0.91	0.86	0.85	0.92	1.17	1.25	0.94	1.16	1.18	1.24	1.51	1.507
DSO	345	294	335	317	365	336	355	393	450	435	478	506	460	408	410	447	397	241	334	265	264.7 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-1	-0.8 days
DPO	107	136	123	157	222	222	252	309	419	401	424	431	399	311	293	389	315	308	296	242	242.3 days
Cash Conversion Cycle	238	158	212	160	143	114	103	84	31	34	54	75	61	98	117	58	81	-67	39	22	21.6 days
Fixed Asset Turnover	snapshot only																				409.525
Cash Velocity	snapshot only																				0.697
Capital Intensity	snapshot only																				3.632

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	34.9%	47.1%	54.0%	53.7%	43.7%	32.0%	22.2%	16.8%	15.3%	15.0%	19.9%	27.9%	40.2%	47.3%	50.5%	52.3%	54.1%	57.7%	60.3%	60.6%	60.58%
Net Income	44.2%	6.3%	2.9%	3.0%	82.8%	13.8%	25.6%	25.9%	44.0%	51.8%	60.6%	66.5%	50.6%	48.4%	51.9%	60.6%	62.1%	67.6%	47.0%	31.1%	31.14%
EPS	41.1%	6.2%	3.0%	3.1%	84.7%	15.2%	27.8%	28.1%	47.1%	54.6%	60.5%	64.5%	43.5%	37.9%	41.2%	49.3%	55.9%	66.9%	47.3%	33.6%	33.63%
FCF	-10.1%	68.6%	7.1%	7.1%	2.2%	83.3%	-11.8%	-40.8%	13.2%	-33.8%	-4.8%	70.2%	27.1%	1.3%	1.4%	1.1%	72.3%	58.7%	17.4%	10.6%	10.56%
EBITDA	44.8%	8.2%	4.0%	4.2%	93.3%	19.8%	29.7%	33.0%	52.9%	57.0%	63.1%	63.4%	43.7%	41.8%	44.5%	54.3%	60.2%	73.8%	55.4%	46.8%	46.81%
Op. Income	44.8%	8.2%	4.0%	4.2%	91.9%	18.2%	26.7%	28.7%	48.8%	53.4%	62.3%	65.8%	46.8%	45.9%	47.8%	56.7%	61.6%	67.6%	48.4%	33.5%	33.49%
OCF Growth	snapshot only																				9.00%
Asset Growth	snapshot only																				39.95%
Equity Growth	snapshot only																				15.79%
Shares Change	snapshot only																				-1.86%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	—	—	—	1.3%	76.8%	53.2%	37.9%	33.6%	30.7%	30.7%	31.1%	31.9%	32.4%	30.7%	30.2%	31.5%	35.5%	38.7%	42.5%	46.2%	46.25%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	76.7%	55.0%	43.5%	36.4%	36.0%	37.0%	39.0%	40.3%	41.2%	41.23%
EPS 3Y	—	—	—	81.3%	48.8%	25.0%	13.3%	10.8%	56.5%	1.3%	1.0%	1.1%	57.4%	34.9%	42.6%	46.5%	48.8%	52.7%	49.4%	48.6%	48.60%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	65.9%	47.4%	33.0%	26.9%	27.3%	53.7%	96.7%	76.5%	76.7%	76.71%
Net Income 3Y	—	—	—	90.1%	52.4%	27.7%	14.3%	11.2%	56.0%	1.3%	99.5%	1.0%	58.3%	36.9%	45.3%	49.9%	52.0%	55.7%	53.1%	51.9%	51.94%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	70.5%	50.3%	36.3%	29.5%	29.8%	56.1%	99.4%	77.7%	77.8%	77.78%
EBITDA 3Y	—	—	—	86.4%	51.4%	27.5%	14.8%	13.1%	62.3%	1.6%	1.2%	1.2%	61.9%	38.7%	45.1%	49.7%	52.1%	57.0%	54.1%	54.7%	54.69%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	69.7%	50.1%	35.8%	29.0%	29.5%	58.0%	1.1%	88.6%	91.2%	91.21%
Gross Profit 3Y	—	—	—	94.7%	56.3%	35.4%	22.8%	21.5%	48.9%	69.3%	60.4%	61.1%	44.9%	34.4%	38.9%	41.0%	43.7%	52.8%	59.8%	59.8%	59.85%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	70.0%	49.0%	37.2%	30.7%	31.3%	47.8%	64.9%	63.0%	62.9%	62.87%
Op. Income 3Y	—	—	—	90.7%	52.8%	27.8%	14.4%	11.8%	60.5%	1.6%	1.2%	1.2%	61.2%	38.3%	44.9%	49.6%	52.2%	55.4%	52.7%	51.4%	51.39%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	71.4%	50.8%	36.1%	29.1%	29.4%	57.8%	1.1%	86.7%	87.4%	87.41%
FCF 3Y	—	—	—	1.3%	63.3%	61.6%	29.8%	28.7%	48.4%	27.0%	89.6%	1.0%	66.5%	41.5%	27.0%	28.3%	35.3%	34.9%	39.8%	58.0%	57.98%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	65.4%	44.4%	45.5%	38.4%	50.0%	48.2%	50.0%	81.2%	79.9%	79.93%
OCF 3Y	—	—	—	1.3%	64.4%	62.4%	31.2%	30.7%	49.8%	26.4%	79.9%	91.2%	61.2%	41.9%	27.4%	28.4%	35.2%	34.5%	38.9%	55.7%	55.71%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	65.9%	44.7%	46.1%	38.9%	50.5%	48.6%	48.1%	74.8%	74.1%	74.15%
Assets 3Y	—	—	—	44.4%	48.3%	48.9%	48.1%	38.3%	32.5%	32.8%	31.7%	34.4%	37.4%	34.7%	36.3%	39.2%	34.3%	19.4%	35.8%	36.9%	36.86%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	42.0%	43.6%	41.7%	40.5%	37.1%	33.3%	25.0%	34.3%	36.7%	36.73%
Equity 3Y	—	—	—	23.7%	20.8%	20.7%	15.8%	3.3%	5.2%	9.0%	10.1%	12.2%	23.0%	22.7%	27.6%	30.9%	33.6%	34.8%	33.3%	33.3%	33.35%
Book Value 3Y	—	—	—	18.0%	18.1%	18.1%	14.7%	3.0%	5.5%	9.4%	11.4%	13.2%	22.3%	21.0%	25.2%	27.9%	30.8%	32.1%	30.2%	30.4%	30.41%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.97	1.00	0.97	0.98	0.99	1.00	0.99	0.98	0.98	0.99	0.99	0.99	0.98	0.96	0.93	0.91	0.89	0.87	0.86	0.85	0.854
Earnings Stability	0.98	0.28	0.04	0.31	0.89	0.56	0.37	0.56	0.92	0.78	0.68	0.74	0.92	0.86	0.80	0.77	0.91	0.91	0.95	0.96	0.961
Margin Stability	0.68	0.57	0.62	0.66	0.73	0.65	0.69	0.71	0.83	0.71	0.76	0.72	0.82	0.85	0.83	0.85	0.84	0.72	0.74	0.76	0.759
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.82	0.50	0.50	0.50	0.50	0.94	0.90	0.90	0.82	0.50	0.50	0.50	0.50	0.81	0.50	0.50	0.50	0.50	0.81	0.88	0.875
Earnings Smoothness	0.64	0.00	0.00	0.00	0.41	0.87	0.77	0.77	0.64	0.59	0.53	0.50	0.60	0.61	0.59	0.53	0.53	0.49	0.62	0.73	0.731
ROE Trend	0.01	0.05	0.03	0.05	0.07	0.07	0.06	0.06	0.07	0.04	0.05	0.05	0.00	0.01	0.01	0.02	0.04	0.04	0.03	0.03	0.025
Gross Margin Trend	-0.09	0.02	-0.04	-0.04	0.06	0.08	0.08	0.10	0.10	0.09	0.11	0.09	0.04	0.02	0.01	0.01	-0.00	0.06	0.10	0.07	0.074
FCF Margin Trend	-0.24	-0.01	0.26	0.37	0.20	0.16	0.07	-0.05	0.12	-0.14	-0.16	-0.05	-0.05	0.06	0.15	0.20	0.03	0.09	-0.04	-0.10	-0.096
Sustainable Growth Rate	7.4%	12.1%	11.6%	12.2%	13.4%	13.4%	14.0%	14.6%	18.3%	18.5%	19.5%	20.4%	19.3%	19.6%	20.8%	22.5%	22.2%	23.6%	22.5%	22.2%	22.23%
Internal Growth Rate	3.6%	5.9%	5.2%	5.1%	5.0%	4.9%	4.8%	4.7%	5.3%	5.5%	5.6%	5.7%	5.9%	6.3%	6.6%	6.8%	7.2%	9.6%	7.0%	6.4%	6.36%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.84	1.99	3.48	3.91	2.95	3.22	2.51	1.90	2.34	1.47	1.49	1.88	1.94	2.22	2.35	2.46	2.07	2.08	1.87	2.04	2.044
FCF/OCF	0.89	0.99	0.99	0.98	0.98	0.98	0.97	0.95	0.97	0.94	0.96	0.98	0.99	0.98	0.98	0.98	0.98	0.99	0.98	0.99	0.994
FCF/Net Income	snapshot only																				2.033
OCF/EBITDA	snapshot only																				1.428
CapEx/Revenue	2.5%	0.5%	0.5%	1.0%	1.0%	0.9%	1.4%	1.5%	1.5%	1.8%	1.3%	0.7%	0.6%	1.0%	0.9%	1.1%	0.8%	0.4%	0.6%	0.2%	0.21%
CapEx/Depreciation	snapshot only																				0.118
Accruals Ratio	-0.03	-0.06	-0.12	-0.14	-0.09	-0.10	-0.07	-0.04	-0.07	-0.02	-0.03	-0.05	-0.05	-0.07	-0.08	-0.09	-0.07	-0.09	-0.06	-0.06	-0.062
Sloan Accruals	snapshot only																				0.103
Cash Flow Adequacy	snapshot only																				180.468
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.34%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.45
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	57.9%	34.6%	65.9%	44.1%	46.5%	66.0%	51.4%	51.3%	46.2%	28.1%	17.5%	6.9%	0.1%	0.0%	0.1%	0.1%	21.3%	18.9%	30.6%	49.8%	49.84%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.8%	0.9%	1.7%	1.2%	1.1%	3.0%	2.0%	2.0%	2.6%	1.6%	0.7%	0.3%	0.0%	0.0%	0.0%	0.0%	1.2%	1.0%	1.8%	3.0%	2.96%
Net Buyback Yield	0.7%	0.8%	1.7%	1.2%	1.0%	2.9%	2.0%	2.0%	2.6%	1.6%	0.6%	0.1%	-0.2%	-0.2%	-0.1%	-0.1%	1.0%	0.9%	1.8%	2.9%	2.91%
Total Shareholder Return	0.7%	0.8%	1.7%	1.2%	1.0%	2.9%	2.0%	2.0%	2.6%	1.6%	0.6%	0.1%	-0.2%	-0.2%	-0.1%	-0.1%	1.0%	0.9%	1.8%	2.9%	2.91%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.82	0.80	0.78	0.78	0.78	0.77	0.77	0.76	0.76	0.76	0.77	0.77	0.78	0.78	0.79	0.79	0.78	0.78	0.78	0.77	0.772
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	0.99	0.99	0.98	0.96	0.97	0.96	0.97	0.98	0.99	0.99	1.00	1.00	1.00	1.00	0.99	0.97	0.969
EBIT Margin	0.15	0.23	0.20	0.20	0.21	0.21	0.22	0.23	0.27	0.29	0.29	0.29	0.28	0.28	0.28	0.29	0.29	0.29	0.26	0.25	0.249
Asset Turnover	0.28	0.30	0.31	0.32	0.30	0.29	0.28	0.27	0.25	0.25	0.24	0.25	0.26	0.28	0.28	0.28	0.30	0.39	0.32	0.32	0.321
Equity Multiplier	2.13	2.18	2.36	2.49	2.81	2.87	3.06	3.28	3.60	3.52	3.67	3.76	3.47	3.31	3.34	3.51	3.30	2.69	3.45	3.72	3.718

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$1.05	$1.76	$1.69	$1.79	$1.94	$2.03	$2.16	$2.29	$2.85	$3.13	$3.47	$3.76	$4.10	$4.32	$4.89	$5.62	$6.39	$7.21	$7.21	$7.51	$7.51
Book Value/Share	$14.51	$15.13	$14.69	$14.68	$14.26	$14.95	$15.90	$16.35	$16.69	$18.65	$19.70	$20.79	$26.56	$26.80	$28.85	$30.73	$31.89	$34.50	$35.08	$36.26	$37.23
Tangible Book/Share	$14.10	$14.77	$14.33	$14.34	$13.93	$14.63	$15.59	$15.83	$16.19	$18.16	$19.23	$20.34	$26.14	$26.31	$27.94	$28.45	$29.62	$31.56	$20.89	$27.50	$27.50
Revenue/Share	$8.33	$9.51	$10.68	$11.60	$12.08	$12.71	$13.29	$13.79	$14.23	$14.88	$15.92	$17.42	$19.02	$20.36	$22.26	$24.65	$28.18	$31.98	$35.77	$40.34	$41.42
FCF/Share	$1.73	$3.46	$5.83	$6.87	$5.60	$6.42	$5.23	$4.14	$6.48	$4.33	$4.97	$6.96	$7.85	$9.39	$11.30	$13.55	$13.01	$14.84	$13.29	$15.26	$15.59
OCF/Share	$1.93	$3.51	$5.88	$6.99	$5.72	$6.54	$5.42	$4.35	$6.69	$4.59	$5.17	$7.07	$7.96	$9.60	$11.50	$13.82	$13.23	$14.97	$13.49	$15.35	$15.76
Cash/Share	$17.26	$18.54	$18.97	$20.00	$19.63	$22.67	$24.95	$11.85	$13.04	$27.51	$15.39	$15.27	$19.48	$20.25	$22.67	$43.33	$45.51	$26.54	$27.59	$57.86	$59.42
EBITDA/Share	$1.28	$2.19	$2.17	$2.30	$2.50	$2.66	$2.87	$3.10	$3.90	$4.25	$4.67	$5.01	$5.35	$5.60	$6.27	$7.19	$8.24	$9.69	$9.76	$10.75	$10.75
Debt/Share	$0.00	$0.00	$0.58	$0.89	$1.02	$1.41	$2.81	$2.82	$2.08	$2.08	$1.69	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.26	$10.88	$10.93	$10.93
Net Debt/Share	$-17.26	$-18.54	$-18.39	$-19.11	$-18.61	$-21.25	$-22.14	$-9.03	$-10.96	$-25.43	$-13.70	$-15.27	$-19.48	$-20.25	$-22.67	$-43.33	$-45.51	$-26.28	$-16.72	$-46.93	$-46.93

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	8.012
Altman Z-Prime	snapshot only																				4.627
Piotroski F-Score	6	6	6	6	7	6	6	6	6	6	7	6	6	6	7	6	6	6	7	6	6
Beneish M-Score	-3.36	-0.76	-2.55	-2.93	-2.60	-2.43	-2.07	-1.79	-2.56	-2.15	-2.10	-2.16	-2.15	-2.32	-2.56	-2.64	-2.47	-3.19	-2.51	-2.56	-2.556
Ohlson O-Score	snapshot only																				-6.788
ROIC (Greenblatt)	snapshot only																				17.31%
Net-Net WC	snapshot only																				$-52.40

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	77.66	77.78	95.58	96.20	95.97	95.98	96.16	96.30	96.06	96.18	96.15	76.56	75.36	77.25	77.32	89.00	88.20	94.54	90.25	90.33	90.330
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				1.330
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				71
Sector Credit Rank	snapshot only																				93

PLMR NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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