PLMR vs. HCI
PLMR (Palomar Holdings, Inc.) and HCI (HCI Group, Inc.) are both stocks. Both operate in the Insurance - Property & Casualty industry within the Financial Services sector. Over the past 5 years, PLMR returned 8.52%/yr vs 14.15%/yr for HCI. At a 0.27 correlation, their price movements are largely independent.
Performance
PLMR vs. HCI - Performance Comparison
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Returns By Period
In the year-to-date period, PLMR achieves a -14.77% return, which is significantly higher than HCI's -15.87% return.
PLMR
- 1D
- -0.26%
- 1M
- 6.19%
- YTD
- -14.77%
- 6M
- -9.27%
- 1Y
- -28.70%
- 3Y*
- 25.45%
- 5Y*
- 8.52%
- 10Y*
- —
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 vs. HCI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
PLMR Palomar Holdings, Inc. | -14.77% | 27.63% | 90.25% | 22.90% | -30.28% | -27.09% | 75.96% | 172.92% |
HCI HCI Group, Inc. | -15.87% | 66.27% | 35.46% | 126.76% | -51.20% | 62.74% | 18.45% | 13.07% |
Correlation
The correlation between PLMR and HCI 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 PLMR and HCI shifts across timeframes, from 0.27 (all time) to 0.41 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
PLMR:
$3.14B
HCI:
$2.07B
PLMR:
$7.18
HCI:
$24.40
PLMR:
15.99
HCI:
6.58
PLMR:
0.37
HCI:
0.01
PLMR:
3.22
HCI:
2.23
PLMR:
3.27
HCI:
1.90
PLMR:
$977.99M
HCI:
$927.48M
PLMR:
$401.29M
HCI:
$617.14M
PLMR:
$210.26M
HCI:
$459.34M
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Return for Risk
PLMR vs. HCI — Risk / Return Rank
PLMR
HCI
PLMR vs. HCI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Palomar Holdings, Inc. (PLMR) and HCI Group, Inc. (HCI). 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.
| PLMR | HCI | 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 | 0.88 | 1.04 | -0.16 |
| Calmar ratioReturn relative to maximum drawdown | -0.77 | 0.07 | -0.84 |
| Martin ratioReturn relative to average drawdown | -1.19 | 0.13 | -1.31 |
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Drawdowns
PLMR vs. HCI - Drawdown Comparison
The maximum PLMR drawdown since its inception was -62.86%, smaller than the maximum HCI drawdown of -78.79%. Use the drawdown chart below to compare losses from any high point for PLMR and HCI.
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Drawdown Indicators
| PLMR | HCI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -62.86% | -78.79% | +15.93% |
Max Drawdown (1Y)Largest decline over 1 year | -37.51% | -27.46% | -10.05% |
Max Drawdown (3Y)Largest decline over 3 years | -42.27% | -28.30% | -13.97% |
Max Drawdown (5Y)Largest decline over 5 years | -53.81% | -78.79% | +24.98% |
Max Drawdown (10Y)Largest decline over 10 years | — | -78.79% | — |
Current DrawdownCurrent decline from peak | -34.62% | -21.68% | -12.94% |
Average DrawdownAverage peak-to-trough decline | -28.81% | -20.67% | -8.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 24.17% | 16.31% | +7.86% |
Volatility
PLMR vs. HCI - Volatility Comparison
Palomar Holdings, Inc. (PLMR) has a higher volatility of 11.03% compared to HCI Group, Inc. (HCI) at 7.53%. This indicates that PLMR's price experiences larger fluctuations and is considered to be riskier than HCI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PLMR | HCI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.03% | 7.53% | +3.50% |
Volatility (6M)Calculated over the trailing 6-month period | 23.78% | 21.38% | +2.40% |
Volatility (1Y)Calculated over the trailing 1-year period | 36.57% | 31.83% | +4.74% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 42.68% | 43.03% | -0.35% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 47.88% | 41.57% | +6.31% |
Dividends
PLMR vs. HCI - Dividend Comparison
PLMR has not paid dividends to shareholders, while HCI's dividend yield for the trailing twelve months is around 1.00%.
| 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
PLMR vs. HCI - Financials Comparison
This section allows you to compare key financial metrics between Palomar Holdings, Inc. and HCI Group, 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
PLMR vs. HCI - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.
Frequently Asked Questions
PLMR and HCI 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, PLMR dropped -62.86% vs HCI's -78.79%.
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.
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