Which is better, PLMR or TFSL?

On the Buffett-Fit framework, Palomar Holdings, Inc. (PLMR) currently grades higher than TFSL — 73/100 (B grade) vs 49/100 (D). That said, "better" depends on which framework you trust — PLMR wins on Warren Buffett, Philip Fisher, Charlie Munger, and Terry Smith; TFSL wins on Benjamin Graham, Peter Lynch, and Joel Greenblatt. The full pillar breakdown is on this page.

Should I buy PLMR or TFSL?

This page is an educational comparison, not investment advice. Both PLMR and TFSL are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is PLMR better than TFSL for value investing?

On the Buffett-style value-investing framework, PLMR currently grades higher — 73/100 vs 49/100, a 24-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between PLMR and TFSL on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). PLMR currently scores 73/100 (B grade); TFSL scores 49/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, PLMR or TFSL?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. PLMR and TFSL are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, PLMR or TFSL?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are PLMR and TFSL both Financial Services stocks?

Yes — both Palomar Holdings, Inc. (PLMR) and TFS Financial Corporation (TFSL) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this PLMR vs TFSL comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Palomar Holdings

TFS Financial

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

PLMR

Palomar Holdings

Market cap

$3.02B

Sector

Financials

TFSL

TFS Financial

Market cap

$4.48B

Sector

Financials

Overall winner

Palomar Holdings PLMR

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	PLMR	TFSL	Winner
Warren Buffett	73B	49D	PLMR
Benjamin Graham	63C	72C	TFSL
Philip Fisher	74B	47D	PLMR
Peter Lynch	60C	62C	TFSL
Joel Greenblatt	31F	43D	TFSL
Charlie Munger	56C	43D	PLMR
Terry Smith	57C	35D	PLMR

Side-by-side metrics

Metric	PLMR	TFSL
Market cap	$3.02B	$4.48B
P/E (TTM)	15.5x	46.3x
EV/EBIT	13.0x	82.2x
ROIC (TTM)	11.53%	0.53%
Gross margin	60.65%	41.13%
Net margin	20.15%	11.42%
Revenue CAGR 5y	37.12%	15.52%
EPS CAGR 5y	42.39%	2.49%
Debt / Equity	0.3x	2.7x
Dividend yield	0.0%	7.31%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

PLMR leads on

ROIC (TTM)11.53%vs 0.53%+95%
EPS CAGR 5y42.39%vs 2.49%+94%
Debt / Equity0.3xvs 2.7x+88%
EV/EBIT13.0xvs 82.2x+84%

TFSL leads on

Dividend yield7.31%vs 0.0%+100%
Market cap$4.48Bvs $3.02B+33%

More like PLMR

PLMR vs ING.WA PLMR vs PKO.WA PLMR vs MSCI PLMR vs PEO.WA PLMR vs SPL.WA PLMR vs ICICIBANK.NS

More like TFSL

TFSL vs ING.WA TFSL vs PKO.WA TFSL vs MSCI TFSL vs PEO.WA TFSL vs SPL.WA TFSL vs ICICIBANK.NS

Read the full Buffett-Brain analysis for PLMR Read the full Buffett-Brain analysis for TFSL

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Stock comparison

Palomar Holdings

TFS Financial

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

PLMR

Palomar Holdings

Market cap

$3.02B

Sector

Financials

TFSL

TFS Financial

Market cap

$4.48B

Sector

Financials

Overall winner

Palomar Holdings PLMR

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	PLMR	TFSL	Winner
Warren Buffett	73B	49D	PLMR
Benjamin Graham	63C	72C	TFSL
Philip Fisher	74B	47D	PLMR
Peter Lynch	60C	62C	TFSL
Joel Greenblatt	31F	43D	TFSL
Charlie Munger	56C	43D	PLMR
Terry Smith	57C	35D	PLMR

Side-by-side metrics

Metric	PLMR	TFSL
Market cap	$3.02B	$4.48B
P/E (TTM)	15.5x	46.3x
EV/EBIT	13.0x	82.2x
ROIC (TTM)	11.53%	0.53%
Gross margin	60.65%	41.13%
Net margin	20.15%	11.42%
Revenue CAGR 5y	37.12%	15.52%
EPS CAGR 5y	42.39%	2.49%
Debt / Equity	0.3x	2.7x
Dividend yield	0.0%	7.31%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

PLMR leads on

ROIC (TTM)11.53%vs 0.53%+95%
EPS CAGR 5y42.39%vs 2.49%+94%
Debt / Equity0.3xvs 2.7x+88%
EV/EBIT13.0xvs 82.2x+84%

TFSL leads on

Dividend yield7.31%vs 0.0%+100%
Market cap$4.48Bvs $3.02B+33%

More like PLMR

PLMR vs ING.WA PLMR vs PKO.WA PLMR vs MSCI PLMR vs PEO.WA PLMR vs SPL.WA PLMR vs ICICIBANK.NS

More like TFSL

TFSL vs ING.WA TFSL vs PKO.WA TFSL vs MSCI TFSL vs PEO.WA TFSL vs SPL.WA TFSL vs ICICIBANK.NS

Read the full Buffett-Brain analysis for PLMR Read the full Buffett-Brain analysis for TFSL

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.