PLMR
Palomar Holdings·NASDAQ
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PLMR fundamentals
Palomar Holdings (PLMR) released its earnings on Feb 11, 2026: revenue was 492.63M (YoY +31.82%), beat estimates; EPS was 2.24 (YoY +47.37%), beat estimates.
Revenue / YoY
492.63M
+31.82%
EPS / YoY
2.24
+47.37%
Report date
Feb 11, 2026
PLMR Earnings Call Summary for Q4,2025
- 2025 Record Growth: 32% gross premium, 62% net income growth, exceeding $180M-$192M guidance to $216M.\n- 2026 Guidance: $260-275M net income (24% growth), driven by Crop (30%+), Casualty (120% Q4), and Surety.\n- Key Segments:\n - Earthquake: 2% decline (one-time headwind), 97% Residential retention, 15% Commercial rate pressure.\n - Casualty: 120% Q4 growth, 35% healthcare liability rate increases, 80% IBNR.\n - Crop: $248M premium, 30%+ 2026 growth, 50% retention.\n - Surety: 6.5% of 2025 premium, $311M Gray acquisition.\n- Financial Highlights: Q4 2025 net income $61.1M (+48% YoY), full year ROE 25.9%.\n- Risks: Commercial Earthquake rate pressure, mid-70s combined ratio in 2026.\n- Strategic Moves: AI deployment, construction engineering launch, Fronting redistribution.
EPS
Actual | 0.5 | 0.52 | -0.6 | -0.05 | 0.73 | 0.51 | 0.07 | 0.74 | 0.68 | 0.73 | 0.29 | 0.82 | 0.8 | 0.86 | 0.92 | 1.11 | 1.09 | 1.25 | 1.23 | 1.52 | 1.87 | 1.76 | 2.01 | 2.24 | ||||
Forecast | 0.4114 | 0.4886 | -0.5445 | -0.014 | 0.4818 | 0.4786 | 0.1133 | 0.6364 | 0.65 | 0.6689 | 0.5146 | 0.744 | 0.738 | 0.8222 | 0.7363 | 0.9391 | 0.9349 | 1.0903 | 1.0339 | 1.232 | 1.5896 | 1.6678 | 1.5998 | 2.0804 | ||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | +21.54% | +6.43% | -10.19% | -257.14% | +51.52% | +6.56% | -38.22% | +16.28% | +4.62% | +9.13% | -43.65% | +10.22% | +8.40% | +4.60% | +24.95% | +18.20% | +16.59% | +14.65% | +18.97% | +23.38% | +17.64% | +5.53% | +25.64% | +7.67% |
Revenue
Actual | -- | -- | -- | -- | 71.49M | 83.81M | 102.97M | 96.09M | 103.58M | 129.36M | 152.33M | 149.91M | 170.93M | 218.69M | 253.13M | 239.12M | 250.11M | 274.30M | 314.00M | 303.15M | 368.08M | 385.18M | 414.98M | 373.72M | 442.16M | 496.29M | 597.17M | 492.63M |
Forecast | -- | -- | -- | -- | 68.81M | 74.12M | 85.38M | 101.13M | 94.46M | 112.58M | 144.27M | 139.84M | 153.94M | 192.69M | 225.90M | 221.62M | 236.81M | 298.49M | 328.35M | 297.60M | 322.10M | 338.74M | 440.13M | 373.29M | 444.85M | 464.12M | 530.37M | 481.03M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | +3.91% | +13.08% | +20.60% | -4.99% | +9.65% | +14.90% | +5.59% | +7.20% | +11.04% | +13.49% | +12.05% | +7.90% | +5.62% | -8.11% | -4.37% | +1.86% | +14.27% | +13.71% | -5.72% | +0.12% | -0.60% | +6.93% | +12.60% | +2.41% |
Earnings Call
You can ask Aime
What is the revenue and EPS growth rate for Palomar Holdings year over year?Did Palomar Holdings beat or miss consensus estimates last quarter?What is the market's earnings forecast for Palomar Holdings next quarter?What is Palomar Holdings's gross profit margin?What guidance did Palomar Holdings's management provide for the next earnings period?What is Palomar Holdings's latest dividend and current dividend yield?What does Palomar Holdings do and what are its main business segments?What were the key takeaways from Palomar Holdings’s earnings call?
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