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Palomar Holdings Earnings Calls
| Release date | Nov 06, 2025 |
| EPS estimate | $1.58 |
| EPS actual | $2.01 |
| EPS Surprise | 27.22% |
| Revenue estimate | 210.651M |
| Revenue actual | 244.66M |
| Revenue Surprise | 16.14% |
| Release date | Aug 04, 2025 |
| EPS estimate | $1.68 |
| EPS actual | $1.76 |
| EPS Surprise | 4.76% |
| Revenue estimate | 216.304M |
| Revenue actual | 203.312M |
| Revenue Surprise | -6.01% |
| Release date | May 05, 2025 |
| EPS estimate | $1.59 |
| EPS actual | $1.87 |
| EPS Surprise | 17.61% |
| Revenue estimate | 170.293M |
| Revenue actual | 174.633M |
| Revenue Surprise | 2.55% |
| Release date | Feb 12, 2025 |
| EPS estimate | $1.22 |
| EPS actual | $1.52 |
| EPS Surprise | 24.59% |
| Revenue estimate | 139.156M |
| Revenue actual | 155.64M |
| Revenue Surprise | 11.85% |
Last 4 Quarters for Palomar Holdings
Below you can see how PLMR performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Feb 12, 2025 |
| Price on release | $108.99 |
| EPS estimate | $1.22 |
| EPS actual | $1.52 |
| EPS surprise | 24.59% |
| Date | Price |
|---|---|
| Feb 06, 2025 | $110.73 |
| Feb 07, 2025 | $109.92 |
| Feb 10, 2025 | $109.62 |
| Feb 11, 2025 | $110.32 |
| Feb 12, 2025 | $108.99 |
| Feb 13, 2025 | $125.04 |
| Feb 14, 2025 | $126.92 |
| Feb 18, 2025 | $124.13 |
| Feb 19, 2025 | $122.86 |
| 4 days before | -1.57% |
| 4 days after | 12.73% |
| On release day | 14.73% |
| Change in period | 10.95% |
| Release date | May 05, 2025 |
| Price on release | $155.69 |
| EPS estimate | $1.59 |
| EPS actual | $1.87 |
| EPS surprise | 17.61% |
| Date | Price |
|---|---|
| Apr 29, 2025 | $147.91 |
| Apr 30, 2025 | $145.02 |
| May 01, 2025 | $144.06 |
| May 02, 2025 | $151.81 |
| May 05, 2025 | $155.69 |
| May 06, 2025 | $156.33 |
| May 07, 2025 | $156.82 |
| May 08, 2025 | $160.01 |
| May 09, 2025 | $159.93 |
| 4 days before | 5.26% |
| 4 days after | 2.72% |
| On release day | 0.411% |
| Change in period | 8.13% |
| Release date | Aug 04, 2025 |
| Price on release | $131.53 |
| EPS estimate | $1.68 |
| EPS actual | $1.76 |
| EPS surprise | 4.76% |
| Date | Price |
|---|---|
| Jul 29, 2025 | $129.99 |
| Jul 30, 2025 | $130.52 |
| Jul 31, 2025 | $132.49 |
| Aug 01, 2025 | $129.62 |
| Aug 04, 2025 | $131.53 |
| Aug 05, 2025 | $112.26 |
| Aug 06, 2025 | $116.64 |
| Aug 07, 2025 | $122.89 |
| Aug 08, 2025 | $120.38 |
| 4 days before | 1.18% |
| 4 days after | -8.48% |
| On release day | -14.65% |
| Change in period | -7.39% |
| Release date | Nov 06, 2025 |
| Price on release | $117.79 |
| EPS estimate | $1.58 |
| EPS actual | $2.01 |
| EPS surprise | 27.22% |
| Date | Price |
|---|---|
| Oct 31, 2025 | $114.01 |
| Nov 03, 2025 | $113.72 |
| Nov 04, 2025 | $115.53 |
| Nov 05, 2025 | $116.71 |
| Nov 06, 2025 | $117.79 |
| Nov 07, 2025 | $128.06 |
| Nov 10, 2025 | $129.51 |
| Nov 11, 2025 | $132.08 |
| Nov 12, 2025 | $132.45 |
| 4 days before | 3.32% |
| 4 days after | 12.45% |
| On release day | 8.72% |
| Change in period | 16.17% |
Palomar Holdings Earnings Call Transcript Summary of Q3 2025
Palomar reported an exceptionally strong Q3 2025: record gross written premium ($597.2M, +44% YoY), record adjusted net income ($55.2M, +70% YoY, $2.01/share), and the company raised full‑year adjusted net income guidance to $210M–$215M. Management highlighted an adjusted combined ratio of ~75% and an annualized adjusted ROE around 25%, noting this performance supports their Palomar 2X objective (doubling adjusted net income over a 3–5 year timeframe). Growth was broad-based across product lines: crop premium doubled to $120M in Q3 and management now expects ~$230M for 2025 with an intermediate goal of $500M; casualty, builders risk, inland marine/other property and residential earthquake all showed strong growth; fronting premium declined due to the prior Omaha National termination but is not a strategic priority. Palomar announced a $300M acquisition of Gray Casualty & Surety to scale its surety platform (expected to close in Q1 2026 and be accretive in year one), increasing diversification and reducing cyclicality exposure. Reinsurance renewals were favorable (seven treaties renewed at terms equal-to-or-better-than-expiring), and management expects further decreases in property catastrophe treaty pricing. The company emphasized conservative reserving practices (over 80% of casualty reserves carried as IBNR), continued investment in talent and technology, active share repurchases ($37.3M in Q3), and a strong capital position (shareholders' equity ~$878M) to support organic growth and selective M&A.
