Symbols

PLMR

Palomar Holdings·NASDAQ

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PLMR fundamentals

PLMR Q4 2025 Earnings

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.

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Revenue & Expenses

Key Indicators

Palomar Holdings (PLMR) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Palomar Holdings (PLMR)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Palomar Holdings (PLMR)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

Palomar Holdings (PLMR)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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