HCI Group (HCI) vs Palomar (PLMR)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Palomar (PLMR) has outperformed HCI Group (HCI) over the past year, gaining 10.5% versus a loss of 1.2%. Over five years, PLMR leads with a +60.8% price change compared with +55.8% for HCI. Palomar is the larger company by market cap ($3.48 billion vs $2.39 billion), about 1.5 times the size.
On valuation, HCI Group trades at a lower forward P/E (9.6x vs 11.6x for Palomar). HCI Group pays a dividend yielding 0.83%, while Palomar does not currently pay one. HCI Group converts more of its revenue into profit, with a net margin of 33.2% versus 22.5%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HCI | PLMR |
|---|---|---|
| Share price | $192.35 | $131.44 |
| Market cap | $2.39B | $3.48B |
| 1-day change | +3.01% | +3.64% |
| YTD return | +0.34% | -2.46% |
| 1-year return | -1.22% | +10.51% |
| 5-year return | +55.82% | +60.82% |
| P/E ratio (TTM) | 8.29 | 17.69 |
| Forward P/E | 9.61 | 11.57 |
| EPS (TTM) | $23.20 | $7.43 |
| Dividend yield | 0.83% | 1.37% |
| Annual dividend | $1.60 | $0.00 |
| Revenue (latest FY) | $900.95M | $875.97M |
| Revenue growth (YoY) | +20.12% | +58.16% |
| Net income (latest FY) | $299.00M | $197.07M |
| Net margin | 33.19% | 22.50% |
| 52-week high | $210.50 | $147.62 |
| 52-week low | $144.75 | $100.81 |
| Distance from 52-week high | -8.62% | -10.96% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +25.64% | +23.25% |
| Average volume | 160.60K | 242.43K |
| Shares outstanding | 12.44M | 26.50M |
| Employees | 594 | 439 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- PLMR has outperformed HCI by 11.7 percentage points over the past year.
- Palomar trades at a higher earnings multiple (17.7x vs 8.3x trailing P/E).
- HCI Group is more profitable, keeping 33.2 cents of every revenue dollar as net income versus 22.5 cents for Palomar.
- Palomar grew revenue faster in its latest fiscal year (+58.16% vs +20.12%).
About HCI Group
HCI stock →HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments.
Finance · Property-Casualty Insurers · 594 employees
About Palomar
PLMR stock →Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as inland marine, Hawaii hurricane, excess national property, residential flood, and other property products, as well as assumed reinsurance and crop insurance products.
Finance · Property-Casualty Insurers · 439 employees
HCI vs PLMR FAQ
Which is bigger, HCI Group or Palomar?
Palomar (PLMR) is larger, with a market capitalization of $3.48B compared with $2.39B for HCI Group (HCI).
Which stock has performed better over the past year, HCI or PLMR?
PLMR returned +10.51% over the past 12 months, compared with -1.22% for HCI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HCI or PLMR?
HCI has the lower trailing P/E at 8.3, versus 17.7 for PLMR. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, HCI Group or Palomar?
Palomar has the higher yield at 1.37%, compared with 0.83% for HCI Group.
Are HCI Group and Palomar in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.