Bull Rankings model

Pelagos Insurance Capital Limit (PLGO) stock analysis

Insurance - Diversified. Scored on the same transparent model behind the daily rankings.

★
PLGO
Pelagos Insurance Capital Limit · Insurance - Diversified
79.1Financial strength
$24.66Oct 13 close$2.0B
1Y Target$25.17Analyst consensus · 9 analysts
5Y Target$31.77Compound horizon
10Y Target$40.75Long-dated conviction
Rev+2.9%
C
Revenue +2.9% — flat, mature phase or headwinds present
P/E6.1x
A
P/E 6.1 — cheapest decile in Financial Services (≈10th pctile)
ROE17.6%
B+
ROE 17.6% — above long-run market (~13%)
P/B0.92
A-
P/B 0.92 — near book, cheap for a profitable franchise
Yield2.5%
B
Yield 2.5% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 79.1 / 100
Profitability82.9
Value (P/B)88.1
Income61.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
6% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Diversified · market cap $2.0b. 6% off the 52-week high of $26.34. PEG 0.21 — paying under fair value for the growth rate. 9 sell-side analysts rate this a Hold with a mean 1-yr target of $25.17 (implying +2% upside).
Moat
Net margin 16% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 18% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $25.17 (9-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $31.77 at ~5% CAGR — dividend + buyback compounding. 10 yr $40.75 if the moat survives secular pressure.

Not enough history yet — the model records PLGO's score after each daily run, and the chart appears once a few days have accumulated.

PLGO at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY83VALUE88COVERED INCOME6179.1/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+32%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$24.7LOW $17.6HIGH $26.3Trading at the 81st percentile of its 52-week range ($17.6–$26.3).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-0.4%
90-day change-4.7%
Forward EPS estimate$3.88

Over the last 90 days, what analysts expect PLGO to earn is drifting lower (-4.7%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
81
Position size
$1,997
4.0% of portfolio
Stop price
$18.50
25% below $24.66
$ at risk if stopped
$499.37
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Pelagos Insurance Capital Limit (PLGO): score, valuation & FAQ

Pelagos Insurance Capital Limit (PLGO) is an Insurance - Diversified company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A), P/B (A-) and ROE (B+).

Is PLGO a good stock to buy?

Bull Rankings grades PLGO on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A), P/B (A-) and ROE (B+). A score is a quantitative screen of Pelagos Insurance Capital Limit's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade PLGO?

As a bank, insurer or REIT, PLGO isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A), P/B (A-) and ROE (B+).

Is PLGO overvalued or undervalued?

We don't publish a discounted-cash-flow value for PLGO, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. PLGO is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in PLGO?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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