Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Palomar Holdings, Inc., Skyward Specialty Insurance Group or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc.

Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as Inland Marine, Hawaii Hurricane, commercial all risk, excess national property, residential flood, and other miscellaneous property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, wholesale brokers, program administrators, and carrier partnerships. The company was formerly known as GC Palomar Holdings and changed its name to Palomar Holdings, Inc. The company was incorporated in 2013 and is headquartered in La Jolla, California.

Skyward Specialty Insurance Group, Inc., an insurance holding company, underwrites commercial property and casualty insurance products in the United States. It offers general liability, excess liability, professional liability, commercial auto, group accident and health, property, surety, agriculture, credit, and workers’ compensation insurance products, as well as cannabis insurance. The company was formerly known as Houston International Insurance Group, Ltd. and changed its name to Skyward Specialty Insurance Group, Inc. in November 2020. Skyward Specialty Insurance Group, Inc. was incorporated in 2006 and is headquartered in Houston, Texas.

Latest Insurance and Palomar Holdings, Inc., Skyward Specialty Insurance Group, Inc. Stock News

As of December 12, 2025, Palomar Holdings, Inc. had a $3.4 billion market capitalization, compared to the Insurance median of $5.8 million. Palomar Holdings, Inc.’s stock is up 19.9% in 2025, up 8.7% in the previous five trading days and up 19.79% in the past year.

Currently, Palomar Holdings, Inc.’s price-earnings ratio is 19.8. Palomar Holdings, Inc.’s trailing 12-month revenue is $778.4 million with a 22.6% net profit margin. Year-over-year quarterly sales growth most recently was 64.8%. Analysts expect adjusted earnings to reach $7.725 per share for the current fiscal year. Palomar Holdings, Inc. does not currently pay a dividend.

As of December 12, 2025, Skyward Specialty Insurance Group, Inc. had a $2.0 billion market cap, putting it in the 56th percentile of all stocks. Skyward Specialty Insurance Group, Inc.’s stock is down 1.6% in 2025, up 6.7% in the previous five trading days and down 0.36% in the past year.

Currently, Skyward Specialty Insurance Group, Inc.’s price-earnings ratio is 14.8. Skyward Specialty Insurance Group, Inc.’s trailing 12-month revenue is $1.3 billion with a 10.6% net profit margin. Year-over-year quarterly sales growth most recently was 27.1%. Analysts expect adjusted earnings to reach $3.832 per share for the current fiscal year. Skyward Specialty Insurance Group, Inc. does not currently pay a dividend.

How We Compare Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc.’s stock grades to see how they measure up against one another.

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Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc. Stock Value Grades

Company	Ticker	Value
Palomar Holdings, Inc.	PLMR	D
Skyward Specialty Insurance Group, Inc.	SKWD	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Palomar Holdings, Inc. has a Value Score of 38, which is Expensive. Skyward Specialty Insurance Group, Inc. has a Value Score of 68, which is Value.

The Value Stock Winner: Skyward Specialty Insurance Group, Inc.

As you can clearly see from the Value Grade breakdown above, Skyward Specialty Insurance Group, Inc. is considered to have better value than Palomar Holdings, Inc.. For investors who focus solely on a company’s valuation, Skyward Specialty Insurance Group, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc. Growth Grades

Company	Ticker	Growth
Palomar Holdings, Inc.	PLMR	B
Skyward Specialty Insurance Group, Inc.	SKWD	na

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Palomar Holdings, Inc. has a Growth Score of 70, which is Strong. Skyward Specialty Insurance Group, Inc. does not have a meaningful Growth Score.

The Growth Stock Winner: Undetermined

If you are strictly a growth investor, you may want to add Palomar Holdings, Inc. to your watch list. However, because only one of the companies in this comparison has a valid Growth Grade, we cannot call it a clear winner. Evaluation of the other grades for both companies is necessary in order to understand which stock is the better investment based on AAII’s proprietary scores and analysis.

Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Palomar Holdings, Inc.	PLMR	B
Skyward Specialty Insurance Group, Inc.	SKWD	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Palomar Holdings, Inc. has a Earnings Estimate Score of 61, which is Positive. Skyward Specialty Insurance Group, Inc. has a Earnings Estimate Score of 54, which is Neutral.

The Earnings Estimate Revisions Grade Winner: Palomar Holdings, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Palomar Holdings, Inc. has a better Earnings Estimate Revisions Grade than Skyward Specialty Insurance Group, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Palomar Holdings, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc. Grades

In addition to Estimate Revisions, Value and Growth, A+ Investor also provides grades for Momentum and Quality.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Palomar Holdings, Inc., Skyward Specialty Insurance Group or Inc. Stock?

Overall, Palomar Holdings, Inc. stock has a Value Score of 38, Growth Score of 70 and Estimate Revisions Score of 61.

Skyward Specialty Insurance Group, Inc. stock has a Value Score of 68, Growth Score of and Estimate Revisions Score of 54.

Comparing Palomar Holdings, Inc., Skyward Specialty Insurance Group and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.