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Pelagos Insurance Capital Limited (PLGO)

NYSE: PLGO · Fire, Marine & Casualty Insurance · Hamilton · filing with the SEC since 2015
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Grade5.4
◀ Past 7.8● Present 5.0▶ Future 2.1
1 est.
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The grade of Pelagos Insurance Capital Limited

Nine metrics read from its own filings, by tense
Headline grade
5.4/10
◀ Past7.840% of the headline
● Present5.035% of the headline
▶ Future2.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 73rd percentile among 60 sector filers · read for itself

From the record

Pelagos Insurance Capital Limited's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
5.7/10

What has it actually done, year after year?

+20.3% a year over 5 filed years; profitable in 5 of 5.

weight 22% of this tense · 56th percentile among 56 sector filers · read for its customers

From the record

Pelagos Insurance Capital Limited's 5 filed years say what it did: revenue went from $1.2 billion in fiscal 2021 to $2.5 billion in fiscal 2025, up 20.3% a year; it rose in 3 of 4 years; the deepest fall was 33% from fiscal 2023 to fiscal 2024; net income was positive in 5 of 5 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span20.3%top 19% of its family
  • the share of years revenue rosebottom 39% of its family
  • the share of filed years with a profittop 17% of its family
  • the deepest fall from a revenue peak32.7%bottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
9.2/10

How has it treated the people who own it?

Share count shrank 18.8% a year. 52% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 45% of this tense · 92nd percentile among 49 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Pelagos Insurance Capital Limited's diluted share count shrank about 18.8% a year, and dividends and buybacks returned about 52% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-10-14 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 1% of its family
  • cash returned against operating cash flowtop 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.0/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
4.8/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 81%: owes 81¢ per asset dollar.

weight 45% of this tense · 48th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Pelagos Insurance Capital Limited earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 81 cents per dollar of assets, and net share issuance: its share count shrank 7.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 23% of its family
  • return on equitybottom 28% of its family
  • the share count against the year beforetop 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.3/10

How strong is its position in its industry?

top 47% of 60 in its family; net margin 9%.

weight 33% of this tense · 53rd percentile among 60 sector filers · read for its customers

From the record

Pelagos Insurance Capital Limited's standing among 60 graded names in its industry family: revenue of $2.5 billion in fiscal 2025 ranks in the top 42% by size; a net margin of 9% ranks in the bottom 33%; revenue growth of 18.3% a year over the last 3 filed years ranks in the top 32% (its annual reports).

What it rests on

  • revenue against the family$2.50Btop 42% of its family
  • net margin9.0%bottom 33% of its family
  • three-year revenue growth18.3%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.2/10

What are the people in charge doing?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 54 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 54 members with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
family median, 54 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Pelagos Insurance Capital Limited's leadership is put at 5.2 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 54 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

2.1/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
3.3/10

How much room does it have to grow?

bottom 33% of 60 in its family for room to expand.

weight 33% of this tense · 33rd percentile among 60 sector filers · read for itself

From the record

Pelagos Insurance Capital Limited's room to grow, from the newest filed statements (fiscal 2025): cash of $1.2 billion against debt of $843 million leaves 3.2% of its assets as net cash, top 44% of its family; cash from operations less capital spending is -16.4% of revenue (bottom 9%) (its annual report).

What it rests on

  • cash less debt against assets3.2%top 44% of its family
  • cash from operations less capital spending against revenue-16.4%bottom 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
1.9/10

What could actually drive growth from here?

bottom 19% of 56 in its family for growth drivers.

weight 33% of this tense · 19th percentile among 56 sector filers · read for its customers

From the record

Pelagos Insurance Capital Limited's growth drivers, from the filed years to fiscal 2025: revenue grew 18.3% a year over the last three filed years against 20.3% over all 5, slowing (bottom 19% of its family); the newest year grew 3.3% (bottom 31%); capital spending grew -60% a year (bottom 6%) (its annual reports). Pelagos Insurance Capital Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-2.0 points a yearbottom 19% of its family
  • the newest year's revenue growth3.3%bottom 31% of its family
  • three-year growth of capital spending-60.0%bottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
1.0/10

Did its newest year beat what its own record pointed to?

bottom 10% of 56 in its family for expectations against reality.

weight 33% of this tense · 10th percentile among 56 sector filers · read for its shareholders

From the record

Pelagos Insurance Capital Limited's newest year against its own record: revenue of $2.5 billion in fiscal 2025 came in 18.4% below the $3.1 billion its prior three years' pace pointed to (bottom 13% of its family); net income of $226 million against a prior three-year average of $769 million (bottom 10%); a net margin of 9% against 22.7% before (bottom 8%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-18.4%bottom 13% of its family
  • net income against the prior three years' average-71%bottom 10% of its family
  • net margin against its prior average-13.7 pointsbottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton PLGO · research, not advice