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Pelagos Insurance Capital Limited (PLGO) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Pelagos Insurance Capital Limited stock $28.20, price $27.73, upside +1.7%, quality 47 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · ISIN BMG3398L1182

PI Pelagos Insurance Capital Limited logo Broad data Nov 7, 2026

Pelagos Insurance Capital Limited

PLGO · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Solidly profitable · 15.9% net margin (TTM)
2.2% dividend yield · Low payout
Ranks above peers (8/13)
Broad data
Profit last quarter +189% vs. a year ago.
Fair value $28.20 · Fairly valued (+1.7%)
Quality 47/100
Expensive Growth (revenue YoY +2.9 %/yr in USD)
Moderate moat 54/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$27.89 $10.92 Fair Value $28.20 Jun 2023 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

40‑month range $10.92 – $27.89 · fair‑value band $21.64 – $36.05 · the $27.73 price screens below the $28.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Pelagos Insurance Capital Limited provides insurance and reinsurance solutions in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in two segments: Insurance and Reinsurance.

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The Insurance segment offers property, marine, asset backed finance and portfolio credit, aviation and aerospace, political risk, violence and terror, energy, cyber, and other insurance risks products. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions.

The company was formerly known as Fidelis Insurance Holdings Limited and changed its name to Pelagos Insurance Capital Limited in May 2026. Pelagos Insurance Capital Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.

Stock analysis

Pelagos Insurance Capital Limited (PLGO) currently trades at $27.73, while our model-based Fair Value estimate is $28.20, so the stock looks roughly fairly valued today (gap 1.7%).

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Valuation

Bull case: the Multiples group reads highest at a median of $28.85 per share, and 2 of the 6 models we run sit above the $27.73 price.

Bear case: the Asset-Based group reads lowest at $10.65, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $21.64 (bear) to $36.05 (bull), the price of $27.73 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Pelagos Insurance Capital Limited reported revenue of $2.2B in FY2025 versus $1.2B in FY2021, a compound +16.5%/yr. Reported net income was $226M in FY2025, compounding +34.8%/yr from FY2021.

Key figures

Market cap $2.4B Mid · P/E ratio 6.8 · P/S ratio 0.94 · EPS (TTM) $4.07 · Dividend yield 2.2% · Net margin 15.9% · Return on equity 17.6% · Return on assets (EBIT) 5.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).

What moves the price

The share trades about 1% below its 52-week high and 58% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 2%, PLGO screens cheaper than that median.

Fair Value models

Bear $21.64 Fair Value $28.20 Bull $36.05
Price $27.73 · Upside +1.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.97 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $25.46 $28.20 $36.32 76
DDM Multi-Stage $6.07 $10.85 $13.80 66
Gordon GGM $6.07 $13.24 $22.24 65
All 6 models by family
Dividend Discount
Gordon GGM $6.07 $13.24 $22.24 65
DDM Multi-Stage $6.07 $10.85 $13.80 66
Multiples
P/E Multiple $26.58 $35.44 $44.29 63
P/B Multiple $16.69 $22.25 $27.81 55
Asset-Based
NCAV (Graham) $7.95 $10.65 $15.89 54
Economic Profit
Residual Income $25.46 $28.20 $36.32 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 47/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 25
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 23
Debt, balance sheet and risk of trouble
Investment 65
Does it invest with discipline instead of growing at any price?
Low Volatility 86
How calm the share price moves, does not count
Price momentum 75
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 96
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 42/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+20.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.7%
Dividend (yield on the price)2.2%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.16% → 13%
2025 sits 116% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 73 stocks

Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 47 · Bottom 25%
Fair Value upside +1.7% · Above median
Profitability
Return on equity (12 months) 17.6% · Above median
Return on assets 1.8% · Below median
Net margin (12 months) 15.9% · Top 25%
Operating margin (12 months) 10.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) 10.3% · Above median
Dividend yield (12 months) 2.2% · Below median
Balance sheet
Debt / equity 0.35× · Above median

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/E (12 months) 6.8× · Cheapest 25%
P/B 0.98× · Cheapest 25%
P/S (12 months) 0.94× · Cheaper than median
EV/EBITDA 7.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)36 · sector 11
FUTURE (revenue growth)52 · sector 38
PAST (return on equity)71 · sector 54
HEALTH (low debt)–
DIVIDEND (yield)43 · sector 73

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Arch Capital Group ACGL $107.28 $133.22 +24% vs PLGO
American International Group AIG $77.75 $73.25 −6% vs PLGO
The Hartford Insurance Group HIG $133.99 $115.03 −14% vs PLGO
AXA SA CS €44.68 €35.31 −21% vs PLGO
Talanx AG TLX €129.90 €89.76 −31% vs PLGO
Sun Life Financial Inc SLF $71.53 $40.29 −44% vs PLGO
Zurich Insurance Group ZURN CHF 630.20 CHF 320.92 −49% vs PLGO
Allianz SE ALV €451.10 €229.28 −49% vs PLGO
Assicurazioni Generali S.p.A G €43.73 €22.17 −49% vs PLGO
Swiss Life Holding SLHN CHF 971.20 CHF 413.28 −57% vs PLGO

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Pelagos Insurance Capital Limited: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Pelagos Insurance Capital Limited Fair Value". https://www.fairvalue-calculator.com/stock/PLGO

Frequently asked questions

Is Pelagos Insurance Capital Limited (PLGO) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $28.20 versus a price of $27.73, about +2% upside (fairly valued).
What is the fair value of PLGO?
Our model-based fair value for Pelagos Insurance Capital Limited is $28.20 (as of Nov 7, 2026), built from audited fundamentals. The current price: $27.73.
What is the quality score of PLGO?
Pelagos Insurance Capital Limited has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pelagos Insurance Capital Limited (PLGO)?
Our model-based price target is the fair value of $28.20 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $21.64, optimistic scenario $36.05. It is a calculation from audited fundamentals, not an analyst target.
What is the Pelagos Insurance Capital Limited stock forecast for 2026?
Our models put fair value at $28.20, about +2% upside versus a price of $27.73 (fairly valued). Cautious scenario $21.64, optimistic scenario $36.05. The calculation is refreshed regularly with new filings.
What is the revenue of Pelagos Insurance Capital Limited (PLGO)?
Pelagos Insurance Capital Limited reported trailing-twelve-month revenue of about $2.5B (latest available figure, as of Nov 7, 2026).
Does Pelagos Insurance Capital Limited pay a dividend?
Pelagos Insurance Capital Limited currently shows a dividend yield of 2.16% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Pelagos Insurance Capital Limited (PLGO) and when is the ex-dividend date?
Pelagos Insurance Capital Limited pays a dividend of $0.6 per share a year, a dividend yield of 2.2%. The last ex-dividend date was Sep 14, 2026. The payout ratio is 14.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Pelagos Insurance Capital Limited (PLGO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pelagos Insurance Capital Limited it is $28.20 per share (as of Nov 7, 2026), against a price of $27.73. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Pelagos Insurance Capital Limited stock overvalued or undervalued in 2026?
As of Nov 7, 2026, PLGO trades below its calculated fair value: price $27.73, fair value $28.20, a gap of about +2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PLGO?
No. The price is what the market pays today ($27.73); the fair value is what the company's own numbers justify ($28.20). For Pelagos Insurance Capital Limited the two are $0.4700 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pelagos Insurance Capital Limited worth?
The market values Pelagos Insurance Capital Limited at about $2.4B (market capitalisation, as of Nov 7, 2026). Per share that is $27.73; our models calculate a fair value of $28.20 per share.
What do the bullish and bearish scenarios say about PLGO?
Our models span a range for Pelagos Insurance Capital Limited: cautious scenario $21.64, base $28.20, optimistic $36.05 per share (as of Nov 7, 2026, price $27.73). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PLGO?
Pelagos Insurance Capital Limited trades at a price-to-earnings ratio of 6.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $28.20 is built from several models across several years. Other multiples: P/B 1.0, P/S 0.9, EV/EBITDA 7.7.
How solid is the balance sheet of Pelagos Insurance Capital Limited (PLGO)?
Balance-sheet figures for Pelagos Insurance Capital Limited (as of Nov 7, 2026): return on equity 17.6%, debt of 0.35 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is PLGO from its 52-week high?
Pelagos Insurance Capital Limited trades at $27.73, about 1% below its 52-week high of $27.89 and 58% above the low of $17.57 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $28.20 is for.
Which stocks are comparable to Pelagos Insurance Capital Limited?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pelagos Insurance Capital Limited stock attractive at the current price?
The data as of Nov 7, 2026: price $27.73, calculated fair value $28.20 (+2%), Quality Score 47/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PLGO calculated?
We run Pelagos Insurance Capital Limited through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $28.20 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Pelagos Insurance Capital Limited currently trades 2% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pelagos Insurance Capital Limited (PLGO)?
The closing price on Nov 6, 2026 was $27.73. Our model-based fair value is $28.20, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pelagos Insurance Capital Limited right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Pelagos Insurance Capital Limited

How large is the market capitalisation of Pelagos Insurance Capital Limited (PLGO)?
The market capitalisation of Pelagos Insurance Capital Limited is $2.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pelagos Insurance Capital Limited (PLGO)?
The price-to-sales ratio of Pelagos Insurance Capital Limited is 0.94 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pelagos Insurance Capital Limited (PLGO)?
Earnings per share at Pelagos Insurance Capital Limited are $4.07 (price ÷ EPS = P/E 6.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Pelagos Insurance Capital Limited (PLGO)?
The dividend yield of Pelagos Insurance Capital Limited is 2.2% (payout 14.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Pelagos Insurance Capital Limited (PLGO)?
The net margin of Pelagos Insurance Capital Limited is 15.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pelagos Insurance Capital Limited (PLGO)?
The return on equity (ROE) of Pelagos Insurance Capital Limited is 17.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pelagos Insurance Capital Limited (PLGO)?
On an EBIT basis the return on assets of Pelagos Insurance Capital Limited is 5.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pelagos Insurance Capital Limited (PLGO)?
The operating margin of Pelagos Insurance Capital Limited is 10.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pelagos Insurance Capital Limited (PLGO)?
Revenue at Pelagos Insurance Capital Limited is growing +10.3% versus a year earlier (3y avg +12.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pelagos Insurance Capital Limited (PLGO)?
Earnings per share at Pelagos Insurance Capital Limited are growing +189% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pelagos Insurance Capital Limited (PLGO) generate?
The free cash flow of Pelagos Insurance Capital Limited is −$410M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Pelagos Insurance Capital Limited (PLGO) hold?
Pelagos Insurance Capital Limited holds more cash than debt, $29.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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