DUOL vs. PLMR
DUOL (Duolingo, Inc.) and PLMR (Palomar Holdings, Inc.) are both stocks. DUOL operates in Software - Application (Technology), while PLMR operates in Insurance - Property & Casualty (Financial Services). Over the past 3 years, DUOL returned -8.39%/yr vs 25.45%/yr for PLMR. At a 0.24 correlation, their price movements are largely independent.
Performance
DUOL vs. PLMR - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, DUOL achieves a -30.13% return, which is significantly lower than PLMR's -14.77% return.
DUOL
- 1D
- -0.98%
- 1M
- 16.81%
- YTD
- -30.13%
- 6M
- -37.52%
- 1Y
- -74.53%
- 3Y*
- -8.39%
- 5Y*
- —
- 10Y*
- —
PLMR
- 1D
- -0.26%
- 1M
- 6.19%
- YTD
- -14.77%
- 6M
- -9.27%
- 1Y
- -28.70%
- 3Y*
- 25.45%
- 5Y*
- 8.52%
- 10Y*
- —
DUOL vs. PLMR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
DUOL Duolingo, Inc. | -30.13% | -45.87% | 42.93% | 218.92% | -32.97% | -24.96% |
PLMR Palomar Holdings, Inc. | -14.77% | 27.63% | 90.25% | 22.90% | -30.28% | -17.87% |
Correlation
The correlation between DUOL and PLMR is 0.12, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.12 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.22 |
Correlation (All Time) Calculated using the full available price history since Jul 28, 2021 | 0.24 |
The correlation between DUOL and PLMR shifts across timeframes, from 0.12 (1 year) to 0.24 (all time), reflecting how their relationship changes across market environments.
Fundamentals
DUOL:
$11.67
PLMR:
$7.18
DUOL:
10.51
PLMR:
15.99
DUOL:
0.03
PLMR:
0.37
DUOL:
4.04
PLMR:
3.22
DUOL:
$1.10B
PLMR:
$977.99M
DUOL:
$798.46M
PLMR:
$401.29M
DUOL:
$167.30M
PLMR:
$210.26M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
DUOL vs. PLMR — Risk / Return Rank
DUOL
PLMR
DUOL vs. PLMR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Duolingo, Inc. (DUOL) and Palomar Holdings, Inc. (PLMR). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| DUOL | PLMR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.40 | ||
| Sortino ratioReturn per unit of downside risk | -1.34 | ||
| Omega ratioGain probability vs. loss probability | 0.72 | 0.88 | -0.16 |
| Calmar ratioReturn relative to maximum drawdown | -0.92 | -0.77 | -0.15 |
| Martin ratioReturn relative to average drawdown | -1.26 | -1.19 | -0.07 |
Loading charts...
Drawdowns
DUOL vs. PLMR - Drawdown Comparison
The maximum DUOL drawdown since its inception was -83.35%, which is greater than PLMR's maximum drawdown of -62.86%. Use the drawdown chart below to compare losses from any high point for DUOL and PLMR.
Loading charts...
Drawdown Indicators
| DUOL | PLMR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -83.35% | -62.86% | -20.49% |
Max Drawdown (1Y)Largest decline over 1 year | -81.19% | -37.51% | -43.68% |
Max Drawdown (3Y)Largest decline over 3 years | -83.35% | -42.27% | -41.08% |
Max Drawdown (5Y)Largest decline over 5 years | — | -53.81% | — |
Current DrawdownCurrent decline from peak | -77.32% | -34.62% | -42.70% |
Average DrawdownAverage peak-to-trough decline | -35.76% | -28.81% | -6.95% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 59.48% | 24.17% | +35.31% |
Volatility
DUOL vs. PLMR - Volatility Comparison
Duolingo, Inc. (DUOL) has a higher volatility of 15.67% compared to Palomar Holdings, Inc. (PLMR) at 11.03%. This indicates that DUOL's price experiences larger fluctuations and is considered to be riskier than PLMR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| DUOL | PLMR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.67% | 11.03% | +4.64% |
Volatility (6M)Calculated over the trailing 6-month period | 40.94% | 23.78% | +17.16% |
Volatility (1Y)Calculated over the trailing 1-year period | 62.97% | 36.57% | +26.40% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 66.21% | 42.68% | +23.53% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 66.21% | 47.88% | +18.33% |
Dividends
DUOL vs. PLMR - Dividend Comparison
Neither DUOL nor PLMR has paid dividends to shareholders.
Financials
DUOL vs. PLMR - Financials Comparison
This section allows you to compare key financial metrics between Duolingo, Inc. and Palomar Holdings, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
DUOL vs. PLMR - Profitability Comparison
DUOL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported a gross profit of 213.10M and revenue of 291.97M. Therefore, the gross margin over that period was 73.0%.
PLMR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Palomar Holdings, Inc. reported a gross profit of 0.00 and revenue of 278.94M. Therefore, the gross margin over that period was 0.0%.
DUOL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported an operating income of 44.53M and revenue of 291.97M, resulting in an operating margin of 15.3%.
PLMR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Palomar Holdings, Inc. reported an operating income of 0.00 and revenue of 278.94M, resulting in an operating margin of 0.0%.
DUOL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Duolingo, Inc. reported a net income of 43.46M and revenue of 291.97M, resulting in a net margin of 14.9%.
PLMR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Palomar Holdings, Inc. reported a net income of 42.95M and revenue of 278.94M, resulting in a net margin of 15.4%.
Frequently Asked Questions
DUOL and PLMR have a correlation of 0.12, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
DUOL has higher volatility (15.67%) compared to PLMR (11.03%). In terms of maximum drawdown, DUOL dropped -83.35% vs PLMR's -62.86%.
PLMR currently has the higher Sharpe Ratio (-0.79 vs -1.19), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for DUOL and PLMR
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer