Is PLMR or RLI more undervalued in 2026?

CirclFi compares Palomar Holdings, Inc. (PLMR) and RLI Corp. (RLI) using 13 institutional-grade valuation models. PLMR has a Quality of Company score of 5.8/10 while RLI scores 9.4/10.

Which is a better buy — PLMR or RLI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PLMR and RLI valuations compare?

PLMR at $109.63 and RLI at $51.50 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PLMR vs RLI Valuation Comparison 2026 — Intrinsic Value Analysis

PLMR

Insurance - Property & Casualty

Palomar Holdings, Inc.

Quality

5.8

out of 10

Value Trap

SAFE

Price

$109.63

Last close

Models

12/13

Active

RLI

Insurance - Property & Casualty

RLI Corp.

Quality

9.4

out of 10

Value Trap

SAFE

Price

$51.50

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	PLMR Fair Value	PLMR Upside	RLI Fair Value	RLI Upside
Bayesian DCF	Intrinsic	$28.65	-73.9%	$82.78	+60.7%
Earnings Power Value	Intrinsic	$41.69	-62.0%	$11.16	-78.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PLMR vs RLI — Which Stock Is More Undervalued?

RLI scores higher with a 9.4/10 quality rating vs PLMR's 5.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Palomar Holdings, Inc. (PLMR) and RLI Corp. (RLI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PLMR currently trades at $109.63 with a QOC of 5.8/10, while RLI trades at $51.50 with a QOC of 9.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).