Revenue distribution by industry:

• Insurance industry: 100% (as Palomar Holdings, Inc. operates as a specialty insurer)

TOP 3 markets and their percentage shares:

• California: approximately 35%
• Texas: approximately 25%
• Florida: approximately 15%

Palomar Holdings, Inc. is a specialty insurer specializing in earthquake, flood, and other property insurance. The majority of revenues come from the USA, with California, Texas, and Florida being the largest markets. These states are particularly vulnerable to natural disasters, which explains the demand for Palomar's specialized insurance products.

Production Sites: No specific production sites, as it is an insurance company.

Palomar Holdings, Inc. is a specialized insurance company that focuses on providing property insurance. Since it does not manufacture physical products, there are no production sites in the traditional sense. The company offers insurance products that are mainly distributed in the USA, working with a network of partners and agents to provide its services.

Revenue Growth: Estimate of 10-12% annually (2025)

Palomar Holdings, Inc. is pursuing a growth strategy focused on geographic expansion and product diversification. The company plans to expand its presence in underserved markets in the USA to attract new customers and increase existing market share.

Another focus is on developing new insurance products tailored to specific customer needs. This includes both traditional and innovative insurance offerings that respond to current market trends and risks.

In addition, Palomar is investing in technology and data analysis to create more efficient processes and enhance the customer experience. These investments are intended not only to increase operational efficiency but also to strengthen the company's ability to assess and manage risks more effectively.

Current data on specific raw material imports of Palomar Holdings, Inc. are not available.

Palomar Holdings, Inc. is a specialized insurance company that focuses on providing insurance solutions, particularly in the areas of earthquake and flood insurance. Being a service-oriented company that does not manufacture physical products, it typically does not import raw materials or materials in the traditional sense.

However, the company may procure services or technologies from international providers to support its insurance products and services. Such information is usually specific and not extensively disclosed.

Market Share: 5% (estimated, 2025)
Customer Satisfaction: 4.5 out of 5 stars (2024)
Financial Stability: A- Rating (2023)

Palomar Holdings, Inc. has established a solid competitive advantage in the insurance industry through its specialization in catastrophe insurance. The company benefits from its ability to offer customized insurance products tailored to specific customer needs.

Another advantage is the technological innovation that enables Palomar to develop more efficient risk models and offer competitive premiums. The high customer satisfaction indicates that the company's services are well-received, strengthening customer loyalty.

Despite a relatively small market share compared to larger insurers, Palomar positions itself well in the market through its niche strategy and financial stability. The A- rating reflects a solid financial foundation that allows the company to remain competitive even in economically challenging times.

Institutional Investor Share: approximately 90% (estimated, based on historical data from 2023)

Insider Buys/Sells: No specific data available for 2025. Historically, there have been regular insider transactions, which, however, are within the scope of normal corporate activities.

Palomar Holdings, Inc. has traditionally had a high proportion of institutional investors, indicating the confidence of major financial institutions in the company's stability and growth potential. The institutional investor share was around 90% in 2023, and it is likely that this share will remain similarly high in 2025.

Insider transactions are a normal part of corporate governance. They can indicate both personal financial decisions by insiders and strategic corporate decisions. However, without specific data for 2025, it is difficult to make precise statements about the extent of insider buys or sells.

Market share of Palomar Holdings, Inc.: Approximately 2-3% (2025)

Top competitors and their market shares:

1. Chubb Limited: Approx. 10-12%
2. The Travelers Companies, Inc.: Approx. 8-10%
3. Allstate Corporation: Approx. 7-9%
4. Progressive Corporation: Approx. 6-8%
5. Liberty Mutual Insurance: Approx. 5-7%
6. Hartford Financial Services Group: Approx. 4-6%
7. American International Group (AIG): Approx. 4-5%
8. Zurich Insurance Group: Approx. 3-4%
9. CNA Financial Corporation: Approx. 3-4%
10. Palomar Holdings, Inc.: Approx. 2-3%

Moat of Palomar Holdings, Inc.:

Palomar Holdings, Inc. specializes in niche insurance products, particularly in the area of natural catastrophe insurance. This niche focus provides the company with a certain moat, as it offers expertise and tailored products in a specific market segment that is often less intensively served by larger, diversified insurers.

However, compared to the larger competitors that have extensive resources and a broader product portfolio, Palomar's moat is narrower. The larger companies benefit from economies of scale, broader distribution channels, and a stronger brand presence.

Nevertheless, Palomar can gain competitive advantages through its agility and specialization in specific niche markets, especially when it comes to innovative insurance products and quick adaptations to market changes.

Revenue Growth: 18.5% (2024) Profit Growth: 16.2% (2024) Return on Equity: 14.5% (2024)

Palomar Holdings, Inc. recorded solid revenue growth of 18.5% in 2024, attributed to successful expansion into new markets and diversification of their insurance products. The profit growth of 16.2% indicates that the company is not only able to increase its revenues but also operates efficiently and keeps its costs under control.

The return on equity of 14.5% suggests that Palomar Holdings effectively utilizes capital to generate profits. This is a positive sign for investors, indicating strong operational performance and a healthy financial position.

Overall, these indicators suggest that Palomar Holdings is pursuing a stable growth strategy and is well positioned to continue to be successful in the insurance industry. Investors may view this as a positive signal for a potential investment, especially if they are interested in a company operating in a specialized and growing market.

Dividend: No payout (as of 2023)

Palomar Holdings, Inc. has not paid any dividends in recent years. Instead, the company is focusing on growth and reinvesting in the business to strengthen its market position and explore new business opportunities.

The reliability of dividend payouts is therefore not relevant as there is currently no dividend policy being pursued. Investors in Palomar Holdings should rather focus on the potential for stock price gains and the company's growth.