Is PLMR or ROOT more undervalued in 2026?

CirclFi compares Palomar Holdings, Inc. (PLMR) and Root, Inc. (ROOT) using 13 institutional-grade valuation models. PLMR has a Quality of Company score of 5.8/10 while ROOT scores 7.4/10.

Which is a better buy — PLMR or ROOT?

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 ROOT valuations compare?

PLMR at $109.63 and ROOT at $52.50 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PLMR vs ROOT 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

ROOT

Insurance - Property & Casualty

Root, Inc.

Quality

7.4

out of 10

Value Trap

SAFE

Price

$52.50

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	PLMR Fair Value	PLMR Upside	ROOT Fair Value	ROOT Upside
Bayesian DCF	Intrinsic	$28.65	-73.9%	$207.95	+296.1%
Earnings Power Value	Intrinsic	$41.69	-62.0%	$87.12	+65.9%
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 ROOT — Which Stock Is More Undervalued?

ROOT scores higher with a 7.4/10 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 Root, Inc. (ROOT) 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 ROOT trades at $52.50 with a QOC of 7.4/10.

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).