8-K Announcements
6May 6, 2026·SEC
Feb 23, 2026·SEC
Feb 11, 2026·SEC
Palomar Holdings, Inc. (PLMR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Palomar Holdings, Inc. (PLMR) stock price & volume — 10-year historical chart
Palomar Holdings, Inc. (PLMR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Palomar Holdings, Inc. (PLMR) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 11, 2026 | $2.24vs $2.06+8.7% | $493Mvs $481M+2.4% |
| Q4 2025 | Nov 6, 2025 | $2.01vs $1.58+27.2% | $245Mvs $211M+16.1% |
| Q3 2025 | Aug 4, 2025 | $1.76vs $1.68+4.8% | $203Mvs $216M-6.0% |
| Q2 2025 | May 5, 2025 | $1.87vs $1.59+17.6% | $175Mvs $170M+2.5% |
Palomar Holdings, Inc. (PLMR) competitors in Property catastrophe and specialty property insurers — business model, growth, and fundamentals comparison
Palomar Holdings, Inc. (PLMR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Palomar Holdings, Inc. (PLMR) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 59.47M | 72.97M | 113.3M | 168.46M | 247.79M | 327.09M | 375.93M | 553.86M | 875.97M |
| Revenue Growth % | 39.28% | 22.71% | 55.26% | 48.69% | 47.09% | 32% | 14.93% | 47.33% | 58.16% |
| Medical Costs & Claims | 37.65M | 34.5M | 42.85M | 128.16M | 136.89M | 189.44M | 180.34M | 284.42M | 228.59M |
| Medical Cost Ratio % | 63.31% | 47.28% | 37.82% | 76.07% | 55.24% | 57.92% | 47.97% | 51.35% | 26.1% |
| Gross Profit | 21.82M▲ 0% | 38.47M▲ 76.3% | 70.44M▲ 83.1% | 40.31M▼ 42.8% | 110.9M▲ 175.1% | 137.64M▲ 24.1% | 195.59M▲ 42.1% | 269.45M▲ 37.8% | 647.37M▲ 140.3% |
| Gross Margin % | 36.69% | 52.72% | 62.18% | 23.93% | 44.76% | 42.08% | 52.03% | 48.65% | 73.9% |
| Gross Profit Growth % | 20.79% | 76.33% | 83.1% | -42.78% | 175.14% | 24.11% | 42.1% | 37.76% | 140.26% |
| Operating Expenses | 16.89M | 20.26M | 52.37M | 34.08M | 53.76M | 70.09M | 91.95M | 118.25M | 393.98M |
| OpEx / Revenue % | 28.4% | 27.76% | 46.22% | 20.23% | 21.7% | 21.43% | 24.46% | 21.35% | 44.98% |
| Depreciation & Amortization | 160K | 212K | 216K | 1.34M | 3.54M | 4.12M | 4.5M | 5.11M | 8.87M |
| Combined Ratio % | 91.71% | 75.04% | 84.04% | 96.31% | 76.94% | 79.35% | 72.43% | 72.7% | 71.07% |
| Operating Income | 4.93M▲ 0% | 18.21M▲ 269.6% | 18.08M▼ 0.7% | 6.22M▼ 65.6% | 57.14M▲ 818.2% | 67.55M▲ 18.2% | 103.64M▲ 53.4% | 151.2M▲ 45.9% | 253.39M▲ 67.6% |
| Operating Margin % | 8.29% | 24.96% | 15.96% | 3.69% | 23.06% | 20.65% | 27.57% | 27.3% | 28.93% |
| Operating Income Growth % | -21.49% | 269.58% | -0.75% | -65.58% | 818.17% | 18.22% | 53.43% | 45.88% | 67.59% |
| EBITDA | 5.09M | 18.43M | 18.29M | 7.56M | 60.68M | 71.67M | 108.14M | 156.3M | 262.26M |
| EBITDA Margin % | 8.56% | 25.25% | 16.15% | 4.49% | 24.49% | 21.91% | 28.77% | 28.22% | 29.94% |
| Interest Expense | 1.75M | 2.3M | 1.07M | 0 | 40K | 873K | 3.77M | 1.14M | 392K |
| Non-Operating Income | -1.75M | -2.3M | -1.07M | 0 | -40K | -873K | -3.77M | -1.14M | -392K |
| Pretax Income | 4.93M▲ 0% | 18.21M▲ 269.6% | 18.08M▼ 0.7% | 6.22M▼ 65.6% | 57.14M▲ 818.2% | 67.55M▲ 18.2% | 103.64M▲ 53.4% | 151.2M▲ 45.9% | 253.39M▲ 67.6% |
| Pretax Margin % | 8.29% | 24.96% | 15.96% | 3.69% | 23.06% | 20.65% | 27.57% | 27.3% | 28.93% |
| Income Tax | 1.15M | -6K | 7.46M | -34K | 11.29M | 15.38M | 24.44M | 33.62M | 56.32M |
| Effective Tax Rate % | 23.23% | -0.03% | 41.25% | -0.55% | 19.76% | 22.77% | 23.58% | 22.24% | 22.23% |
| Net Income | 3.78M▲ 0% | 18.22M▲ 381.6% | 10.62M▼ 41.7% | 6.26M▼ 41.1% | 45.85M▲ 632.7% | 52.17M▲ 13.8% | 79.2M▲ 51.8% | 117.57M▲ 48.4% | 197.07M▲ 67.6% |
| Net Margin % | 6.36% | 24.97% | 9.37% | 3.71% | 18.5% | 15.95% | 21.07% | 21.23% | 22.5% |
| Net Income Growth % | -42.8% | 381.6% | -41.7% | -41.09% | 632.73% | 13.79% | 51.81% | 48.45% | 67.62% |
| EPS (Diluted) | 0.17▲ 0% | 0.81▲ 376.5% | 0.49▼ 39.5% | 0.24▼ 51.0% | 1.76▲ 633.3% | 2.02▲ 14.8% | 3.13▲ 55.0% | 4.48▲ 43.1% | 7.17▲ 60.0% |
| EPS Growth % | -41.38% | 376.47% | -39.51% | -51.02% | 633.33% | 14.77% | 54.95% | 43.13% | 60.04% |
| EPS (Basic) | 0.17 | 0.81 | 0.49 | 0.25 | 1.80 | 2.07 | 3.19 | 4.61 | 7.40 |
| Diluted Shares Outstanding | 22.63M | 22.63M | 21.83M | 25.6M | 26.11M | 25.8M | 25.33M | 26.22M | 27.49M |
Palomar Holdings, Inc. (PLMR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 188.35M | 231.13M | 395.46M | 729.09M | 925.73M | 1.31B | 1.71B | 2.26B | 2.23B |
| Asset Growth % | 29.78% | 22.71% | 71.1% | 84.36% | 26.97% | 41.13% | 30.74% | 32.45% | -1.59% |
| Total Investment Assets | 125.5M | 147.39M | 456.63M | 820.3M | 465.94M | 553.64M | 689.58M | 987.72M | 1.35B |
| Long-Term Investments | 125.5M | 147.39M | 239.48M | 422.31M | 33.26M | 38.58M | 45.78M | 517.29M | 733.74M |
| Short-Term Investments | 101.91M | 122.22M | 217.15M | 397.99M | 432.68M | 515.06M | 643.8M | 470.43M | 618.28M |
| Total Current Assets | 142.66M | 164.94M | 303.76M | 585.1M | 789.42M | 0 | 0 | 0 | 559.8M |
| Cash & Equivalents | 10.78M | 9.53M | 33.12M | 33.54M | 50.28M | 68.11M | 51.55M | 80.44M | 106.89M |
| Receivables | 29.97M | 0 | 53.49M | 153.57M | 245.33M | 356.47M | 538.77M | 700.88M | 452.91M |
| Other Current Assets | 8.4M | 31.91M | 54.17M | 0 | 2.81M | -1.14B | -1.5B | -1.53B | -974.18M |
| Goodwill & Intangibles | 744K | 744K | 744K | 11.51M | 9.5M | 8.26M | 12.31M | 13.24M | 80.3M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 3.75M | 3.75M | 0 |
| Intangible Assets | 744K | 744K | 744K | 11.51M | 9.5M | 8.26M | 8.56M | 9.49M | 80.3M |
| PP&E (Net) | 827K | 947K | 845K | 739K | 527K | 603K | 373K | 429K | 2.55M |
| Other Assets | -127.07M | -149.08M | -4.58M | -8.6M | 93.03M | -47.44M | -58.47M | -530.96M | 849.19M |
| Total Liabilities | 109.94M | 139.96M | 176.91M | 365.38M | 531.57M | 921.7M | 1.24B | 1.53B | 1.28B |
| Total Debt | 17.09M | 19.08M | 0 | 0 | 3.47M | 36.4M | 52.6M | 0 | 7.09M |
| Net Debt | 6.31M | 9.55M | -33.12M | -33.54M | -46.81M | -31.71M | 1.05M | -80.44M | -99.8M |
| Long-Term Debt | 17.09M | 19.08M | 0 | 0 | 1.28M | 37.5M | 53.04M | 6.71M | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 904K | 36.4M | 52.6M | 1.05M | 927K |
| Total Current Liabilities | 11.57M | 24.97M | 1.12M | 42.96M | 531.57M | 0 | 0 | 0 | 0 |
| Accounts Payable | 11.57M | 19.85M | 24.94M | 42.96M | 58.74M | 171.89M | 224.12M | 260.25M | 387.08M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 226.35M | 0 | 0 | 0 | 632.23M |
| Other Current Liabilities | -11.58M | -19.85M | -24.93M | 0 | 245.57M | -208.29M | -283.97M | -261.3M | -1.02B |
| Deferred Taxes | 0 | 0 | 1000K | 1000K | 1000K | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 531.57M | 217.2M | 308.75M | 381.86M | 1.28B |
| Total Equity | 78.41M▲ 0% | 91.17M▲ 16.3% | 218.56M▲ 139.7% | 363.71M▲ 66.4% | 394.17M▲ 8.4% | 384.75M▼ 2.4% | 471.25M▲ 22.5% | 729.03M▲ 54.7% | 942.67M▲ 29.3% |
| Equity Growth % | 7.26% | 16.27% | 139.72% | 66.42% | 8.37% | -2.39% | 22.48% | 54.7% | 29.3% |
| Shareholders Equity | 78.41M | 91.17M | 218.56M | 363.71M | 394.17M | 384.75M | 471.25M | 729.03M | 942.67M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 6.92M | 275K | 33.86M | 39.96M | 69.95M | 87.71M | 144.64M | 262.22M | 422M |
| Common Stock | 2K | 2K | 2K | 3K | 3K | 3K | 3K | 3K | 3K |
| Accumulated OCI | 2.99M | -563K | 4.69M | 13.25M | 5.31M | -36.52M | -23.99M | -26.84M | -2.51M |
| Return on Equity (ROE) | 4.99% | 21.49% | 6.86% | 2.15% | 12.1% | 13.4% | 18.5% | 19.59% | 23.58% |
| Return on Assets (ROA) | 2.27% | 8.69% | 3.39% | 1.11% | 5.54% | 4.67% | 5.25% | 5.92% | 8.78% |
| Equity / Assets | 41.63% | 39.45% | 55.27% | 49.89% | 42.58% | 29.45% | 27.59% | 32.23% | 42.34% |
| Debt / Equity | 0.22x | 0.21x | - | - | 0.01x | 0.09x | 0.11x | - | 0.01x |
| Book Value per Share | 3.47 | 4.03 | 10.01 | 14.21 | 15.10 | 14.92 | 18.61 | 27.80 | 34.30 |
| Tangible BV per Share | 3.43 | 4.00 | 9.98 | 13.76 | 14.73 | 14.60 | 18.12 | 27.30 | 31.38 |
Palomar Holdings, Inc. (PLMR) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 20.25M | 22.81M | 41.7M | 53.55M | 87.81M | 169.58M | 116.11M | 261.16M | 409.12M |
| Operating CF Growth % | 27.95% | 12.64% | 82.83% | 28.42% | 63.98% | 93.12% | -31.53% | 124.93% | 56.66% |
| Operating CF / Revenue % | 34.05% | 31.26% | 36.81% | 31.79% | 35.44% | 51.85% | 30.89% | 47.15% | 46.71% |
| Net Income | 3.78M | 18.22M | 10.62M | 6.26M | 45.85M | 52.17M | 79.2M | 117.57M | 197.07M |
| Depreciation & Amortization | 160K | 212K | 216K | 1.34M | 3.54M | 4.12M | 4.5M | 5.11M | 8.87M |
| Stock-Based Compensation | 0 | 0 | 24.1M | 2.17M | 5.58M | 11.62M | 14.91M | 16.68M | 21.01M |
| Deferred Taxes | 1.13M | 0 | 646K | 1.09M | 641K | -3.52M | -2.83M | 2.11M | 1.87M |
| Other Non-Cash Items | 473K | 3.49M | -3.09M | -274K | 1.15M | 9.37M | -2.95M | -5.51M | -21.73M |
| Working Capital Changes | 14.7M | 884K | 9.2M | 42.97M | 31.05M | 95.82M | 23.27M | 125.2M | 202.03M |
| Cash from Investing | -19.13M | -25.36M | -80.57M | -181.44M | -58.19M | -156.81M | -128.48M | -306.24M | -353.98M |
| Capital Expenditures | -68K | -332K | -2.93M | -4.07M | -18K | -313K | -15K | -243K | -137K |
| Acquisitions | 0 | 0 | 2.81M | -7.07M | -11K | -15K | -8.53M | 0 | -58.59M |
| Purchase of Investments | -54.21M | -136.46M | -270.44M | -341.95M | -216.57M | -392.63M | -234.72M | -607.1M | -848.36M |
| Sale/Maturity of Investments | 35.4M | 111.17M | 188.97M | 170.23M | 161.75M | 242.73M | 120.58M | 0 | 0 |
| Other Investing | -250K | 250K | 1.02M | 1.42M | -3.34M | -6.57M | -5.79M | 301.1M | 553.1M |
| Cash from Financing | 0 | 1.55M | 62.29M | 128.33M | -13.04M | 5.02M | -3.94M | 73.77M | -28.79M |
| Dividends Paid | 0 | 0 | -5.12M | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -15.85M | -34.41M | -22.27M | 0 | -37.28M |
| Stock Issued | 0 | 0 | 87.41M | 125.55M | 0 | 0 | 0 | 123.62M | 4.78M |
| Debt Issuance (Net) | 0 | 1000K | -1000K | 0 | 0 | 1000K | 1000K | 1000K | 0 |
| Other Financing | 0 | 0 | 0 | 2.78M | 2.81M | 3.03M | 2.13M | -112.97M | 3.72M |
| Net Change in Cash | 1.12M▲ 0% | -1.01M▼ 190.0% | 23.43M▲ 2423.9% | 437K▼ 98.1% | 16.59M▲ 3695.2% | 17.79M▲ 7.3% | -16.31M▼ 191.7% | 28.69M▲ 275.9% | 26.35M▼ 8.1% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 9.81M | 10.93M | 9.92M | 33.35M | 33.79M | 50.37M | 68.16M | 51.85M | 80.54M |
| Cash at End | 10.93M | 9.92M | 33.35M | 33.79M | 50.37M | 68.16M | 51.85M | 80.54M | 106.89M |
| Free Cash Flow | 20.18M▲ 0% | 22.48M▲ 11.4% | 38.77M▲ 72.5% | 49.48M▲ 27.6% | 82.96M▲ 67.7% | 163.65M▲ 97.3% | 109.35M▼ 33.2% | 260.91M▲ 138.6% | 408.98M▲ 56.8% |
| FCF Growth % | 35.19% | 11.38% | 72.51% | 27.6% | 67.67% | 97.26% | -33.18% | 138.61% | 56.75% |
| FCF Margin % | 33.94% | 30.8% | 34.22% | 29.37% | 33.48% | 50.03% | 29.09% | 47.11% | 46.69% |
| FCF per Share | 0.89 | 0.99 | 1.78 | 1.93 | 3.18 | 6.34 | 4.32 | 9.95 | 14.88 |
Palomar Holdings, Inc. (PLMR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 85.3% | 91.71% | 75.04% | 84.04% | 96.31% | 76.94% | 79.35% | 72.43% | 72.7% | 71.07% |
| Medical Cost Ratio | 57.69% | 63.31% | 47.28% | 37.82% | 76.07% | 55.24% | 57.92% | 47.97% | 51.35% | 26.1% |
| Return on Equity (ROE) | 9.05% | 4.99% | 21.49% | 6.86% | 2.15% | 12.1% | 13.4% | 18.5% | 19.59% | 23.58% |
| Return on Assets (ROA) | 4.56% | 2.27% | 8.69% | 3.39% | 1.11% | 5.54% | 4.67% | 5.25% | 5.92% | 8.78% |
| Equity / Assets | 50.37% | 41.63% | 39.45% | 55.27% | 49.89% | 42.58% | 29.45% | 27.59% | 32.23% | 42.34% |
| Book Value / Share | 3.23 | 3.47 | 4.03 | 10.01 | 14.21 | 15.1 | 14.92 | 18.61 | 27.8 | 34.3 |
| Debt / Equity | 0.23x | 0.22x | 0.21x | - | - | 0.01x | 0.09x | 0.11x | - | 0.01x |
| Revenue Growth | - | 39.28% | 22.71% | 55.26% | 48.69% | 47.09% | 32% | 14.93% | 47.33% | 58.16% |
Palomar Holdings, Inc. (PLMR) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 6, 2026·SEC
Feb 23, 2026·SEC
Feb 11, 2026·SEC
Palomar Holdings, Inc. (PLMR) stock FAQ — growth, dividends, profitability & financials explained
Palomar Holdings, Inc. (PLMR) grew revenue by 58.2% over the past year. This is strong growth.
Yes, Palomar Holdings, Inc. (PLMR) is profitable, generating $197.1M in net income for fiscal year 2025 (22.5% net margin).
Palomar Holdings, Inc. (PLMR) has a return on equity (ROE) of 23.6%. This is excellent, indicating efficient use of shareholder capital.
Palomar Holdings, Inc. (PLMR) has a combined ratio of 71.1%. A ratio below 100% indicates underwriting profitability.
Palomar Holdings, Inc. (PLMR) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates