Palomar Holdings [PLMR] vs Hanover Insurance [THG] Detailed Stock Comparison
Palomar Holdings
NASDAQ
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Hanover Insurance
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Palomar Holdings wins in 7 metrics, Hanover Insurance wins in 11 metrics, with 0 ties. Hanover Insurance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Palomar Holdings | Hanover Insurance | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 20.52 | 12.10 | Hanover Insurance |
| Price-to-Book Ratio | 3.68 | 2.05 | Hanover Insurance |
| Debt-to-Equity Ratio | 0.00 | 24.39 | Palomar Holdings |
| PEG Ratio | 0.30 | 0.04 | Hanover Insurance |
| EV/EBITDA | 15.18 | 9.68 | Hanover Insurance |
| Profit Margin (TTM) | 22.71% | 8.67% | Palomar Holdings |
| Operating Margin (TTM) | 29.50% | 12.54% | Palomar Holdings |
| EBITDA Margin (TTM) | 29.50% | 12.54% | Palomar Holdings |
| Return on Equity | 22.45% | 19.23% | Palomar Holdings |
| Return on Assets (TTM) | 5.09% | 3.00% | Palomar Holdings |
| Free Cash Flow (TTM) | $252.62M | $796.20M | Hanover Insurance |
| Dividend Yield | N/A | 1.59% | N/A |
| 1-Year Return | 20.04% | 24.95% | Hanover Insurance |
| Price-to-Sales Ratio (TTM) | 4.58 | 1.03 | Hanover Insurance |
| Enterprise Value | $3.04B | $7.11B | Hanover Insurance |
| EV/Revenue Ratio | 4.46 | 1.11 | Hanover Insurance |
| Revenue per Share (TTM) | $26 | $178 | Hanover Insurance |
| Earnings per Share (Diluted) | $5.68 | $15.19 | Hanover Insurance |
| Beta (Stock Volatility) | 0.30 | 0.44 | Palomar Holdings |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Palomar Holdings vs Hanover Insurance Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Palomar Holdings | 2.25% | -1.12% | -6.75% | -20.56% | -11.19% | 10.60% |
| Hanover Insurance | -0.06% | 1.58% | 3.82% | 13.59% | 22.46% | 21.03% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Palomar Holdings | 20.04% | 24.67% | 26.77% | 524.00% | 524.00% | 524.00% |
| Hanover Insurance | 24.95% | 32.18% | 89.43% | 143.12% | 323.65% | 416.95% |
News Based Sentiment: Palomar Holdings vs Hanover Insurance
Palomar Holdings
News based Sentiment: MIXED
Palomar Holdings delivered impressive Q2 earnings, but this was countered by a price target reduction from Evercore ISI, significant insider selling, and stock price volatility. While institutional investment remains strong, the mixed signals create uncertainty about the company's near-term prospects.
Hanover Insurance
News based Sentiment: POSITIVE
October 2025 was a standout month for Hanover Insurance, driven by significantly exceeding earnings expectations, multiple analyst upgrades, and strategic initiatives focused on growth and financial stability. The combination of strong financial performance and positive market sentiment creates a compelling investment narrative.
Performance & Financial Health Analysis: Palomar Holdings vs Hanover Insurance
| Metric | PLMR | THG |
|---|---|---|
| Market Information | ||
| Market Cap | $3.12B | $6.58B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 302,540 | 210,360 |
| 90 Day Avg. Volume | 309,210 | 227,610 |
| Last Close | $115.44 | $184.50 |
| 52 Week Range | $85.00 - $175.85 | $142.48 - $186.24 |
| % from 52W High | -34.35% | -0.93% |
| All-Time High | $175.85 (Jun 03, 2025) | $186.24 (Oct 07, 2025) |
| % from All-Time High | -34.35% | -0.93% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.55% | 0.08% |
| Quarterly Earnings Growth | 0.81% | 2.88% |
| Financial Health | ||
| Profit Margin (TTM) | 0.23% | 0.09% |
| Operating Margin (TTM) | 0.30% | 0.13% |
| Return on Equity (TTM) | 0.22% | 0.19% |
| Debt to Equity (MRQ) | 0.00 | 24.39 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $31.64 | $89.59 |
| Cash per Share (MRQ) | $3.04 | $6.82 |
| Operating Cash Flow (TTM) | $380.97M | $857.30M |
| Levered Free Cash Flow (TTM) | $414.63M | $624.16M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 1.59% |
| Last 12-Month Dividend | N/A | $2.65 |
Valuation & Enterprise Metrics Analysis: Palomar Holdings vs Hanover Insurance
| Metric | PLMR | THG |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 20.52 | 12.10 |
| Forward P/E | 19.96 | 13.39 |
| PEG Ratio | 0.30 | 0.04 |
| Price to Sales (TTM) | 4.58 | 1.03 |
| Price to Book (MRQ) | 3.68 | 2.05 |
| Market Capitalization | ||
| Market Capitalization | $3.12B | $6.58B |
| Enterprise Value | $3.04B | $7.11B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.46 | 1.11 |
| Enterprise to EBITDA | 15.18 | 9.68 |
| Risk & Other Metrics | ||
| Beta | 0.30 | 0.44 |
| Book Value per Share (MRQ) | $31.64 | $89.59 |
Financial Statements Comparison: Palomar Holdings vs Hanover Insurance
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PLMR | THG |
|---|---|---|
| Revenue/Sales | $174.63M | $1.65B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $53.71M | $198.80M |
| Income Tax | $10.79M | $41.90M |
| Net Income (Profit) | $42.92M | $157.10M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PLMR | THG |
|---|---|---|
| Cash & Equivalents | $119.31M | $315.10M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | N/A | $722.50M |
| Total Shareholders Equity | $790.45M | $3.04B |
| Retained Earnings | $305.14M | $3.31B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PLMR | THG |
|---|---|---|
| Operating Cash Flow | N/A | $58.80M |
| Capital Expenditures | $-35,000 | N/A |
| Free Cash Flow | $85.76M | $37.10M |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | $-11.00M |
Short Interest & Institutional Ownership Analysis
| Metric | PLMR | THG |
|---|---|---|
| Shares Short | 365,764 | 599,832 |
| Short Ratio | 1.31 | 3.14 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 302,540 | 210,360 |
| Average Daily Volume (90 Day) | 309,210 | 227,610 |
| Shares Outstanding | 26.53M | 35.90M |
| Float Shares | 26.15M | 35.44M |
| % Held by Insiders | 0.02% | 0.01% |
| % Held by Institutions | 0.94% | 0.92% |
Dividend Analysis & Yield Comparison: Palomar Holdings vs Hanover Insurance
| Metric | PLMR | THG |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.65 |
| Last 12-Month Dividend Yield | N/A | 1.59% |
| 3-Year Avg Annual Dividend | N/A | $2.79 |
| 3-Year Avg Dividend Yield | N/A | 0.62% |
| 3-Year Total Dividends | N/A | $8.38 |
| Ex-Dividend Date | N/A | Mar 14, 2025 |