QualityDipStocks / Finance · Property-Casualty Insurers
Pelagos Insurance Capital PLGO
Outside our quality screen, so we don’t track its dips. It’s at its 52-week high.
Outside our quality screen. No fair value estimate for now: its share count is unclear.
Worth knowing
- Share count down 7% in 2 years
From the data on this page, as of the last close. How we pick these
- Fair value est.
- n/a
- Market Value
- —
- Off 52-wk high
- at the high
- Risk vs market
- Lowbeta −0.04
4 bullish · 4 bearish See why
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 12.5×; now: P/E 10.2×.
| High | Now | |
|---|---|---|
| Price | $26.50Nov 2 | $26.50 |
| P/E | 12.5× | 10.2× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
No estimate for PLGO: SEC share count doesn't match the listed shares (share class / ADR ratio unclear). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much PLGO moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Has moved mostly independently of the market, but its own price swings are 2.2× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- -0.04
- Volatility
- 28% vs 13% SPY
- Correlation SPY
- −0.02
- Correlation QQQ
- −0.15
Valuation details
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
GrowthDiluted EPS grew 115% to $2.11 in FY2025.
GrowthSales compounded 18% a year from FY2022 to FY2025.
ValuationPrice / book of 1.0×, below the 1.7× median for the 296 Finance companies we cover.
Cash returnsDividend yield of 2.3% ($52M paid over 12 months, 23% of earnings).
Top bearish points 4 of 5
ProfitabilityReturn on equity fell 78 points in two fiscal years, to 9% in FY2025.
GrowthSales growth slowed to 3% over the last 12 months, from 18% a year over the prior three fiscal years.
ProfitabilityNet margin of 9.0%, below the 22% median for the 281 Finance companies we cover.
RiskReports earnings Nov 11 (consensus EPS $0.79): results can move the price sharply and reset Market Value.
All fundamentals
P/E 10.2 · ROE 9% · Sales +3%
Valuation
- P/E
- 10.2×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for an insurer
- FCF yield
- n/acash flow isn't a clean measure for an insurer
- EV / EBITDA
- n/anot meaningful for an insurer
- Price / sales
- 0.92×
- Price / book
- 0.96×
- Market cap
- $2.3Blisted
- Enterprise value
- $2.3B
Growth
- Revenue, 12 months
- $2.5B
- Sales growth, 12 months
- +3.3%vs the 12 months before
- Sales growth, 3 yrs
- +18.3%/yrfrom FY2022
- Diluted EPS, 12 months
- $2.11
- EPS growth, last FY
- +115.3%
- Net income, 12 months
- $226M
- Net income growth
- +99%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for an insurer
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 9.0%
- FCF margin
- −16.4%
- Return on equity
- 9%
- Return on invested capital
- n/anot meaningful for an insurer
Balance sheet
- Cash & short-term inv.
- $873M
- Total debt
- $843M
- Net cash
- n/anot meaningful for an insurer
- Debt / equity
- n/adeposits/float make debt/equity not comparable for an insurer
- Interest coverage
- n/anot meaningful for an insurer
Cash flow & returns
- Free cash flow, 12 months
- −$410M
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 2.27%$52M paid
- Payout ratio
- 23%
- Buybacks, 12 months
- $261M11.4% of market cap
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- $8M
Trailing 12 months to Dec 31, 2025; balance sheet at Dec 31, 2025. From Pelagos Insurance Capital’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $0.5B · Sales +10%
- Free cash flow, 12 months$0.5B
- Free-cash-flow yield20.0%
- Return on equity18%
- Sales growth (latest quarter vs year-ago quarter)+10%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $26.50
- 52-wk lowlowest close, 1 year$17.88−32.5%
- PriceMon Nov 2 close$26.50you are here
- 52-wk highhighest close, 1 year$26.50at the price
Momentum & 52-week range
RSI 68 · 5 days +2.0%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 11
- DateWed Nov 11, after the close
- Consensus EPS$0.79
- Year-ago EPS$1.21
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
PLGO is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Pelagos Insurance Capital in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Property-Casualty Insurers
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.