HCI vs. PLMR
HCI (HCI Group, Inc.) and PLMR (Palomar Holdings, Inc.) are both stocks. Both operate in the Insurance - Property & Casualty industry within the Financial Services sector. Over the past 5 years, HCI returned 14.15%/yr vs 8.52%/yr for PLMR. At a 0.27 correlation, their price movements are largely independent.
Performance
HCI vs. PLMR - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, HCI achieves a -15.87% return, which is significantly lower than PLMR's -14.77% return.
HCI
- 1D
- -1.03%
- 1M
- 4.62%
- YTD
- -15.87%
- 6M
- -13.97%
- 1Y
- 2.02%
- 3Y*
- 42.68%
- 5Y*
- 14.15%
- 10Y*
- 21.75%
PLMR
- 1D
- -0.26%
- 1M
- 6.19%
- YTD
- -14.77%
- 6M
- -9.27%
- 1Y
- -28.70%
- 3Y*
- 25.45%
- 5Y*
- 8.52%
- 10Y*
- —
HCI vs. PLMR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
HCI HCI Group, Inc. | -15.87% | 66.27% | 35.46% | 126.76% | -51.20% | 62.74% | 18.45% | 13.07% |
PLMR Palomar Holdings, Inc. | -14.77% | 27.63% | 90.25% | 22.90% | -30.28% | -27.09% | 75.96% | 172.92% |
Correlation
The correlation between HCI and PLMR is 0.41, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.41 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.32 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.31 |
Correlation (All Time) Calculated using the full available price history since Apr 17, 2019 | 0.27 |
The correlation between HCI and PLMR shifts across timeframes, from 0.27 (all time) to 0.41 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
HCI:
$2.07B
PLMR:
$3.14B
HCI:
$24.40
PLMR:
$7.18
HCI:
6.58
PLMR:
15.99
HCI:
0.01
PLMR:
0.37
HCI:
2.23
PLMR:
3.22
HCI:
1.90
PLMR:
3.27
HCI:
$927.48M
PLMR:
$977.99M
HCI:
$617.14M
PLMR:
$401.29M
HCI:
$459.34M
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
HCI vs. PLMR — Risk / Return Rank
HCI
PLMR
HCI vs. PLMR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for HCI Group, Inc. (HCI) 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.
| HCI | PLMR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.85 | ||
| Sortino ratioReturn per unit of downside risk | +1.29 | ||
| Omega ratioGain probability vs. loss probability | 1.04 | 0.88 | +0.16 |
| Calmar ratioReturn relative to maximum drawdown | 0.07 | -0.77 | +0.84 |
| Martin ratioReturn relative to average drawdown | 0.13 | -1.19 | +1.31 |
Loading charts...
Drawdowns
HCI vs. PLMR - Drawdown Comparison
The maximum HCI drawdown since its inception was -78.79%, which is greater than PLMR's maximum drawdown of -62.86%. Use the drawdown chart below to compare losses from any high point for HCI and PLMR.
Loading charts...
Drawdown Indicators
| HCI | PLMR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -78.79% | -62.86% | -15.93% |
Max Drawdown (1Y)Largest decline over 1 year | -27.46% | -37.51% | +10.05% |
Max Drawdown (3Y)Largest decline over 3 years | -28.30% | -42.27% | +13.97% |
Max Drawdown (5Y)Largest decline over 5 years | -78.79% | -53.81% | -24.98% |
Max Drawdown (10Y)Largest decline over 10 years | -78.79% | — | — |
Current DrawdownCurrent decline from peak | -21.68% | -34.62% | +12.94% |
Average DrawdownAverage peak-to-trough decline | -20.67% | -28.81% | +8.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 16.31% | 24.17% | -7.86% |
Volatility
HCI vs. PLMR - Volatility Comparison
The current volatility for HCI Group, Inc. (HCI) is 7.53%, while Palomar Holdings, Inc. (PLMR) has a volatility of 11.03%. This indicates that HCI experiences smaller price fluctuations and is considered to be less risky than PLMR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| HCI | PLMR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.53% | 11.03% | -3.50% |
Volatility (6M)Calculated over the trailing 6-month period | 21.38% | 23.78% | -2.40% |
Volatility (1Y)Calculated over the trailing 1-year period | 31.83% | 36.57% | -4.74% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 43.03% | 42.68% | +0.35% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 41.57% | 47.88% | -6.31% |
Dividends
HCI vs. PLMR - Dividend Comparison
HCI's dividend yield for the trailing twelve months is around 1.00%, while PLMR has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HCI HCI Group, Inc. | 1.00% | 0.83% | 1.37% | 1.83% | 4.04% | 1.92% | 3.06% | 3.50% | 2.90% | 4.68% | 3.04% | 3.44% |
PLMR Palomar Holdings, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
HCI vs. PLMR - Financials Comparison
This section allows you to compare key financial metrics between HCI Group, 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
HCI vs. PLMR - Profitability Comparison
HCI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, HCI Group, Inc. reported a gross profit of 177.28M and revenue of 242.88M. 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%.
HCI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, HCI Group, Inc. reported an operating income of 115.38M and revenue of 242.88M, resulting in an operating margin of 47.5%.
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%.
HCI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, HCI Group, Inc. reported a net income of 85.04M and revenue of 242.88M, resulting in a net margin of 35.0%.
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
HCI and PLMR have a correlation of 0.41, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PLMR has higher volatility (11.03%) compared to HCI (7.53%). In terms of maximum drawdown, HCI dropped -78.79% vs PLMR's -62.86%.
HCI currently has the higher Sharpe Ratio (0.06 vs -0.79), 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 HCI 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