OPFI vs. PLMR
OPFI (OppFi Inc.) and PLMR (Palomar Holdings, Inc.) are both stocks. OPFI operates in Software - Application (Technology), while PLMR operates in Insurance - Property & Casualty (Financial Services). Over the past 5 years, OPFI returned 0.28%/yr vs 10.44%/yr for PLMR. Their 0.16 correlation means their historical movements had little consistent relationship.
Performance
OPFI vs. PLMR - Performance Comparison
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Returns By Period
In the year-to-date period, OPFI achieves a -10.42% return, which is significantly lower than PLMR's -0.72% return.
OPFI
- 1D
- -0.53%
- 1M
- -5.92%
- 6M
- -1.58%
- YTD
- -10.42%
- 1Y
- -9.90%
- 3Y*
- 70.33%
- 5Y*
- 0.28%
- 10Y*
- —
- ALL TIME*
- 0.32%
PLMR
- 1D
- -1.84%
- 1M
- -4.44%
- 6M
- 8.25%
- YTD
- -0.72%
- 1Y
- 3.22%
- 3Y*
- 30.53%
- 5Y*
- 10.44%
- 10Y*
- —
- ALL TIME*
- 31.19%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
OPFI OppFi Inc. | $4.30M | $5.25M | $6.56M |
| $32.50M | $42.62M | $37.16M |
OPFI vs. PLMR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
OPFI OppFi Inc. | -10.42% | 40.87% | 56.02% | 149.76% | -54.85% | -55.40% | 2.83% |
PLMR Palomar Holdings, Inc. | -0.72% | 27.63% | 90.25% | 22.90% | -30.28% | -27.09% | 22.08% |
Correlation
The correlation between OPFI and PLMR is 0.10, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.10 |
Correlation (3Y) Balances recent behavior with more history. | 0.12 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.16 |
Correlation (All Time) Calculated using the full available price history since Nov 20, 2020 | 0.16 |
Fundamentals
OPFI:
$800.13M
PLMR:
$3.55B
OPFI:
$1.42
PLMR:
$7.19
OPFI:
6.58
PLMR:
18.60
OPFI:
6.06
PLMR:
0.43
OPFI:
0.80
PLMR:
3.75
OPFI:
10.68
PLMR:
3.81
OPFI:
$544.08M
PLMR:
$977.99M
OPFI:
$523.64M
PLMR:
$401.29M
OPFI:
$148.42M
PLMR:
$210.26M
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Return for Risk
OPFI vs. PLMR — Risk / Return Rank
OPFI
PLMR
OPFI vs. PLMR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for OppFi Inc. (OPFI) 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.
| OPFI | PLMR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.29 | ||
| Sortino ratioReturn per unit of downside risk | -0.39 | ||
| Omega ratioGain probability vs. loss probability | 0.99 | 1.04 | -0.05 |
| Calmar ratioReturn relative to maximum drawdown | -0.31 | 0.04 | -0.35 |
| Martin ratioReturn relative to average drawdown | -0.53 | 0.09 | -0.62 |
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Drawdowns
OPFI vs. PLMR - Drawdown Comparison
The maximum OPFI drawdown since its inception was -84.60%, which is greater than PLMR's maximum drawdown of -62.86%. Use the drawdown chart below to compare losses from any high point for OPFI and PLMR.
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Drawdown Indicators
| OPFI | PLMR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.60% | -62.86% | -21.74% |
Max Drawdown (1Y)Largest decline over 1 year | -38.56% | -26.14% | -12.42% |
Max Drawdown (3Y)Largest decline over 3 years | -54.20% | -42.27% | -11.93% |
Max Drawdown (5Y)Largest decline over 5 years | -82.96% | -53.81% | -29.15% |
Current DrawdownCurrent decline from peak | -42.94% | -23.84% | -19.10% |
Average DrawdownAverage peak-to-trough decline | -51.16% | -28.75% | -22.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 22.74% | 11.19% | +11.55% |
Volatility
OPFI vs. PLMR - Volatility Comparison
The current volatility for OppFi Inc. (OPFI) is 11.21%, while Palomar Holdings, Inc. (PLMR) has a volatility of 14.09%. This indicates that OPFI 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.
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Volatility by Period
| OPFI | PLMR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.21% | 14.09% | -2.88% |
Volatility (6M)Calculated over the trailing 6-month period | 29.52% | 27.13% | +2.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 45.27% | 38.46% | +6.81% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 67.50% | 43.04% | +24.46% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 63.86% | 47.89% | +15.97% |
Dividends
OPFI vs. PLMR - Dividend Comparison
Neither OPFI nor PLMR has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 |
|---|---|---|---|
OPFI OppFi Inc. | 0.00% | 2.39% | 1.57% |
PLMR Palomar Holdings, Inc. | 0.00% | 0.00% | 0.00% |
Financials
OPFI vs. PLMR - Financials Comparison
This section allows you to compare key financial metrics between OppFi 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
OPFI vs. PLMR - Profitability Comparison
OPFI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, OppFi Inc. reported a gross profit of 72.17M and revenue of 87.30M. Therefore, the gross margin over that period was 82.7%.
PLMR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
OPFI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, OppFi Inc. reported an operating income of 35.36M and revenue of 87.30M, resulting in an operating margin of 40.5%.
PLMR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Palomar Holdings, Inc. reported an operating income of 0.00 and revenue of 278.94M, resulting in an operating margin of 0.0%.
OPFI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, OppFi Inc. reported a net income of 28.40M and revenue of 87.30M, resulting in a net margin of 32.5%.
PLMR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 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
OPFI and PLMR have a correlation of 0.10, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PLMR has higher volatility (14.09%) compared to OPFI (11.21%). In terms of maximum drawdown, OPFI dropped -84.60% vs PLMR's -62.86%.
PLMR currently has the higher Sharpe Ratio (0.03 vs -0.26), 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.
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