Palomar Holdings, Inc.(PLMR)Earnings, Financials & Key Ratios

PLMR•NASDAQ•Insurance & Managed Care

15.6× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryProperty & Casualty Insurance Sub-IndustryProperty catastrophe and specialty property insurers

AboutPalomar Holdings, Inc., an insurance holding company, provides specialty property insurance to residential and commercial customers. The company offers personal and commercial specialty property insurance products, including residential and commercial earthquake, commercial all risk, specialty homeowners, inland marine, Hawaii hurricane, and residential flood, as well as other products, such as assumed reinsurance, commercial flood, real estate error and omission, and real estate investor products. It markets and distributes its products through retail agents, wholesale brokers, program administrators, and carrier partnerships. The company was formerly known as GC Palomar Holdings. Palomar Holdings, Inc. was incorporated in 2013 and is headquartered in La Jolla, California.Show more

Revenue$876M+58.2%
Combined Ratio71.07%-2.2%
Net Income$197M+67.6%
Return on Equity23.58%+20.3%
Medical Cost Ratio26.1%-49.2%
Operating Margin28.93%+6.0%
Net Margin22.5%+6.0%
ROA8.78%+48.3%
Equity / Assets42.34%+31.4%

PLMR Key Insights

Palomar Holdings, Inc. (PLMR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Company is almost debt free
✓Profitable underwriting: 71.1% combined ratio
✓Excellent 3Y average ROE of 20.6%
✓Strong 5Y profit CAGR of 99.4%
✓Strong Piotroski F-Score: 7/9
✓Low loss ratio of 26.1%

✗Weaknesses

✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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PLMR Price & Volume

Palomar Holdings, Inc. (PLMR) stock price & volume — 10-year historical chart

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PLMR Growth Metrics

Palomar Holdings, Inc. (PLMR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-

5 Years39.06%

3 Years38.87%

TTM60.34%

Profit CAGR

10 Years-

5 Years99.37%

3 Years55.74%

TTM46.96%

EPS CAGR

10 Years-

5 Years97.27%

3 Years52.54%

TTM43.31%

Return on Capital

10 Years7.94%

5 Years10.74%

3 Years8.59%

Last Year11.29%

PLMR Recent Earnings

Palomar Holdings, Inc. (PLMR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 12/12 qtrs (100%)●Beat Revenue 5/12 qtrs (42%)

Q2 2026Latest

May 6, 2026

Metric

Actual

Est

EPS

$2.31+6.5%

$2.17

Rev

$630M+12.9%

$558M

Q1 2026

Feb 11, 2026

Metric

Actual

Est

EPS

$2.24+8.7%

$2.06

Rev

$493M+2.4%

$481M

Q4 2025

Nov 6, 2025

Metric

Actual

Est

EPS

$2.01+27.2%

$1.58

Rev

$245M+16.1%

$211M

Q3 2025

Aug 4, 2025

Metric

Actual

Est

EPS

$1.76+4.8%

$1.68

Rev

$203M-6.0%

$216M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 6, 2026	$2.31vs $2.17+6.5%	$630Mvs $558M+12.9%
Q1 2026	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%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
KNSLKinsale Capital Group, Inc.Direct Competitor	7.15B	308.85	14.27	18.04%	27.48%	28.05%	0.11
SKWDSkyward Specialty Insurance Group, Inc.Direct Competitor	2.25B	50.56	12.42	23.18%	11.82%	18.15%	0.12
ACGLArch Capital Group Ltd.Direct Competitor	32.48B	91.18	7.85	14.27%	22.07%	19.02%	0.11
RLIRLI Corp.Direct Competitor	4.88B	53.09	12.18	6.33%	20.8%	22%	0.06
HCIHCI Group, Inc.Product Competitor	2.13B	163.63	6.58	20.21%	32.64%	30.81%	0.06
UPCUniverse Pharmaceuticals Inc.Product Competitor	1.66M	2.95	-0.00	-22.44%	-30.33%	-27.02%	0.16
HRTGHeritage Insurance Holdings, Inc.Product Competitor	706.24M	23.27	3.68	3.71%	25.99%	43.68%	0.20
NODKNI Holdings, Inc.Product Competitor	325.86M	15.91	-31.82	-12.35%	-1.6%	-1.79%

Compare PLMR vs Peers

Palomar Holdings, Inc. (PLMR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs KNSL

Most directly comparable listed peer for PLMR.

Scale Benchmark

vs ACGL

Larger-name benchmark to compare PLMR against a more recognizable public peer.

Peer Set

Compare Top 5

vs KNSL, SKWD, ACGL, RLI

PLMR Income Statement

Palomar Holdings, Inc. (PLMR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Revenue	59.47M	72.97M	113.3M	168.46M	247.79M	327.09M	375.93M	553.86M	875.97M	977.99M
Revenue Growth %	39.28%	22.71%	55.26%	48.69%	47.09%	32%	14.93%	47.33%	58.16%	60.34%
Medical Costs & Claims	37.65M	34.5M	42.85M	128.16M	136.89M	189.44M	180.34M	284.42M	228.59M	384.86M
Medical Cost Ratio %	63.31%	47.28%	37.82%	76.07%	55.24%	57.92%	47.97%	51.35%	26.1%	39.35%
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%	593.13M▲ 0%
Gross Margin %	36.69%	52.72%	62.18%	23.93%	44.76%	42.08%	52.03%	48.65%	73.9%	60.65%
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	339.99M
OpEx / Revenue %	28.4%	27.76%	46.22%	20.23%	21.7%	21.43%	24.46%	21.35%	44.98%	34.76%
Depreciation & Amortization	160K	212K	216K	1.34M	3.54M	4.12M	4.5M	5.11M	8.87M	10.28M
Combined Ratio %	91.71%	75.04%	84.04%	96.31%	76.94%	79.35%	72.43%	72.7%	71.07%	74.12%
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%	253.14M▲ 0%
Operating Margin %	8.29%	24.96%	15.96%	3.69%	23.06%	20.65%	27.57%	27.3%	28.93%	25.88%
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	266.8M
EBITDA Margin %	8.56%	25.25%	16.15%	4.49%	24.49%	21.91%	28.77%	28.22%	29.94%	27.28%
Interest Expense	1.75M	2.3M	1.07M	0	40K	873K	3.77M	1.14M	392K	3.46M
Non-Operating Income	-1.75M	-2.3M	-1.07M	0	-40K	-873K	-3.77M	-1.14M	-392K	-3.46M
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%	253.14M▲ 0%
Pretax Margin %	8.29%	24.96%	15.96%	3.69%	23.06%	20.65%	27.57%	27.3%	28.93%	25.88%
Income Tax	1.15M	-6K	7.46M	-34K	11.29M	15.38M	24.44M	33.62M	56.32M	56.04M
Effective Tax Rate %	23.23%	-0.03%	41.25%	-0.55%	19.76%	22.77%	23.58%	22.24%	22.23%	22.14%
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%	197.09M▲ 0%
Net Margin %	6.36%	24.97%	9.37%	3.71%	18.5%	15.95%	21.07%	21.23%	22.5%	20.15%
Net Income Growth %	-42.8%	381.6%	-41.7%	-41.09%	632.73%	13.79%	51.81%	48.45%	67.62%	46.96%
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%	7.21▲ 0%
EPS Growth %	-41.38%	376.47%	-39.51%	-51.02%	633.33%	14.77%	54.95%	43.13%	60.04%	43.31%
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	27.34M

PLMR Balance Sheet

Palomar Holdings, Inc. (PLMR) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Total Assets	188.35M	231.13M	395.46M	729.09M	925.73M	1.31B	1.71B	2.26B	2.23B	3.61B
Asset Growth %	29.78%	22.71%	71.1%	84.36%	26.97%	41.13%	30.74%	32.45%	-1.59%	117.11%
Total Investment Assets	125.5M	147.39M	456.63M	820.3M	465.94M	553.64M	689.58M	987.72M	1.35B	4M
Long-Term Investments	125.5M	147.39M	239.48M	422.31M	33.26M	38.58M	45.78M	517.29M	733.74M	4.12B
Short-Term Investments	101.91M	122.22M	217.15M	397.99M	432.68M	515.06M	643.8M	470.43M	618.28M	1.41B
Total Current Assets	142.66M	164.94M	303.76M	585.1M	789.42M	1.15B	0	0	559.8M	1.47B
Cash & Equivalents	10.78M	9.53M	33.12M	33.54M	50.28M	68.11M	51.55M	80.44M	106.89M	56.54M
Receivables	29.97M	0	53.49M	153.57M	245.33M	356.47M	538.77M	700.88M	452.91M	2.91B
Other Current Assets	8.4M	31.91M	54.17M	0	2.81M	3.83M	-1.5B	-1.53B	-974.18M	-577.74M
Goodwill & Intangibles	744K	744K	744K	11.51M	9.5M	8.26M	12.31M	13.24M	80.3M	576.92M
Goodwill	0	0	0	0	0	0	3.75M	3.75M	0	246.17M
Intangible Assets	744K	744K	744K	11.51M	9.5M	8.26M	8.56M	9.49M	80.3M	0
PP&E (Net)	827K	947K	845K	739K	527K	603K	373K	429K	2.55M	2.3M
Other Assets	-127.07M	-149.08M	-4.58M	-8.6M	93.03M	111.45M	1.65B	1.73B	849.19M	-1.56B
Total Liabilities	109.94M	139.96M	176.91M	365.38M	531.57M	921.7M	1.24B	1.53B	1.28B	2.65B
Total Debt	17.09M	19.08M	0	0	3.47M	36.4M	52.6M	0	7.09M	297.43M
Net Debt	6.31M	9.55M	-33.12M	-33.54M	-46.81M	-31.71M	1.05M	-80.44M	-99.8M	-56.54M
Long-Term Debt	17.09M	19.08M	0	0	1.28M	36.4M	52.6M	6.71M	0	0
Short-Term Debt	0	0	0	0	904K	36.4M	52.6M	1.05M	927K	0
Total Current Liabilities	11.57M	24.97M	1.12M	42.96M	531.57M	921.7M	0	0	0	5.85M
Accounts Payable	11.57M	19.85M	24.94M	42.96M	58.74M	171.89M	224.12M	260.25M	387.08M	0
Deferred Revenue	0	0	0	0	226.35M	471.31M	597.1M	741.69M	632.23M	0
Other Current Liabilities	-11.58M	-19.85M	-24.93M	0	245.57M	242.09M	-881.08M	-1B	-1.02B	5.85M
Deferred Taxes	0	0	1000K	1000K	1000K	0	0	0	0	10.84M
Other Liabilities	0	0	0	0	310.74M	486.5M	641.13M	381.86M	1.28B	2.64B
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%	959.04M▲ 0%
Equity Growth %	7.26%	16.27%	139.72%	66.42%	8.37%	-2.39%	22.48%	54.7%	29.3%	134.55%
Shareholders Equity	78.41M	91.17M	218.56M	363.71M	394.17M	384.75M	471.25M	729.03M	942.67M	959.04M
Minority Interest	0	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	441.86M
Common Stock	2K	2K	2K	3K	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	-16.45M
Return on Equity (ROE)	4.99%	21.49%	6.86%	2.15%	12.1%	13.4%	18.5%	19.59%	23.58%	21.74%
Return on Assets (ROA)	2.27%	8.69%	3.39%	1.11%	5.54%	4.67%	5.25%	5.92%	8.78%	6.79%
Equity / Assets	41.63%	39.45%	55.27%	49.89%	42.58%	29.45%	27.59%	32.23%	42.34%	26.55%
Debt / Equity	0.22x	0.21x	-	-	0.01x	0.09x	0.11x	-	0.01x	0.31x
Book Value per Share	3.47	4.03	10.01	14.21	15.10	14.92	18.61	27.80	34.30	35.08
Tangible BV per Share	3.43	4.00	9.98	13.76	14.73	14.60	18.12	27.30	31.38	26.07

PLMR Cash Flow Statement

Palomar Holdings, Inc. (PLMR) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25	TTM
Cash from Operations	20.25M	22.81M	41.7M	53.55M	87.81M	169.58M	116.11M	261.16M	409.12M	321.94M
Operating CF Growth %	27.95%	12.64%	82.83%	28.42%	63.98%	93.12%	-31.53%	124.93%	56.66%	64.34%
Operating CF / Revenue %	34.05%	31.26%	36.81%	31.79%	35.44%	51.85%	30.89%	47.15%	46.71%	32.92%
Net Income	3.78M	18.22M	10.62M	6.26M	45.85M	52.17M	79.2M	117.57M	197.07M	197.09M
Depreciation & Amortization	160K	212K	216K	1.34M	3.54M	4.12M	4.5M	5.11M	8.93M	1.35M
Stock-Based Compensation	0	0	24.1M	2.17M	5.58M	11.62M	14.91M	16.68M	21.01M	5.38M
Deferred Taxes	1.13M	0	646K	1.09M	641K	-3.52M	-2.83M	2.11M	1.87M	0
Other Non-Cash Items	473K	3.49M	-3.09M	-274K	1.15M	9.37M	-2.95M	-5.51M	-21.8M	220.81M
Working Capital Changes	14.7M	884K	9.2M	42.97M	31.05M	95.82M	23.27M	125.2M	202.03M	0
Cash from Investing	-19.13M	-25.36M	-80.57M	-181.44M	-58.19M	-156.81M	-128.48M	-306.24M	-353.98M	-302.04M
Capital Expenditures	-68K	-332K	-2.93M	-4.07M	-18K	-313K	-15K	-243K	-137K	-102K
Acquisitions	0	0	2.81M	-7.07M	-11K	-15K	-8.53M	0	-69.83M	-34.26M
Purchase of Investments	-54.21M	-136.46M	-270.44M	-341.95M	-216.57M	-392.63M	-234.72M	-607.1M	-903.91M	-501.51M
Sale/Maturity of Investments	35.4M	111.17M	188.97M	170.23M	161.75M	242.73M	120.58M	0	627.57M	262.25M
Other Investing	-250K	250K	1.02M	1.42M	-3.34M	-6.57M	-5.79M	301.1M	-7.67M	-28.41M
Cash from Financing	0	1.55M	62.29M	128.33M	-13.04M	5.02M	-3.94M	73.77M	-28.79M	-32.34M
Dividends Paid	0	0	-5.12M	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-15.85M	-34.41M	-22.27M	0	-37.28M	-37.14M
Stock Issued	0	0	87.41M	125.55M	0	0	0	123.62M	4.92M	1.3M
Debt Issuance (Net)	0	1000K	-1000K	0	0	1000K	1000K	1000K	0	0
Other Financing	0	0	0	2.78M	2.81M	3.03M	2.13M	-112.97M	3.58M	3.51M
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%	-62.77M▲ 0%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	-50.34M
Cash at Beginning	9.81M	10.93M	9.92M	33.35M	33.79M	50.37M	68.16M	51.85M	80.54M	106.89M
Cash at End	10.93M	9.92M	33.35M	33.79M	50.37M	68.16M	51.85M	80.54M	106.89M	56.55M
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%	401.99M▲ 54.1%	318.33M▲ 0%
FCF Growth %	35.19%	11.38%	72.51%	27.6%	67.67%	97.26%	-33.18%	138.61%	54.07%	2.86%
FCF Margin %	33.94%	30.8%	34.22%	29.37%	33.48%	50.03%	29.09%	47.11%	45.89%	32.55%
FCF per Share	0.89	0.99	1.78	1.93	3.18	6.34	4.32	9.95	14.63	11.64

PLMR Key Ratios

Palomar Holdings, Inc. (PLMR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Combined Ratio	91.71%	75.04%	84.04%	96.31%	76.94%	79.35%	72.43%	72.7%	71.07%	74.12%
Medical Cost Ratio	63.31%	47.28%	37.82%	76.07%	55.24%	57.92%	47.97%	51.35%	26.1%	39.35%
Return on Equity (ROE)	4.99%	21.49%	6.86%	2.15%	12.1%	13.4%	18.5%	19.59%	23.58%	21.74%
Return on Assets (ROA)	2.27%	8.69%	3.39%	1.11%	5.54%	4.67%	5.25%	5.92%	8.78%	6.79%
Equity / Assets	41.63%	39.45%	55.27%	49.89%	42.58%	29.45%	27.59%	32.23%	42.34%	26.55%
Book Value / Share	3.47	4.03	10.01	14.21	15.1	14.92	18.61	27.8	34.3	35.08
Debt / Equity	0.22x	0.21x	-	-	0.01x	0.09x	0.11x	-	0.01x	0.31x
Revenue Growth	39.28%	22.71%	55.26%	48.69%	47.09%	32%	14.93%	47.33%	58.16%	60.34%

PLMR SEC Filings & Documents

Palomar Holdings, Inc. (PLMR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 6, 2026·SEC

Material company update

Feb 23, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 5, 2025·SEC

PLMR Frequently Asked Questions

Palomar Holdings, Inc. (PLMR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

Palomar Holdings, Inc. (PLMR) has a return on equity (ROE) of 23.6%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Palomar Holdings, Inc. (PLMR) has a combined ratio of 71.1%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in PLMR back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →

How much would $100/month in PLMR be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

May 6, 2026

$2.31vs $2.17+6.5%

$630Mvs $558M+12.9%

Q1 2026

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%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

TTM

Revenue

59.47M

72.97M

113.3M

168.46M

247.79M

327.09M

375.93M

553.86M

875.97M

977.99M

Revenue Growth %

39.28%

22.71%

55.26%

48.69%

47.09%

32%

14.93%

47.33%

58.16%

60.34%

Medical Costs & Claims

37.65M

34.5M

42.85M

128.16M

136.89M

189.44M

180.34M

284.42M

228.59M

384.86M

Medical Cost Ratio %

63.31%

47.28%

37.82%

76.07%

55.24%

57.92%

47.97%

51.35%

26.1%

39.35%

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%

593.13M▲ 0%

Gross Margin %

36.69%

52.72%

62.18%

23.93%

44.76%

42.08%

52.03%

48.65%

73.9%

60.65%

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

339.99M

OpEx / Revenue %

28.4%

27.76%

46.22%

20.23%

21.7%

21.43%

24.46%

21.35%

44.98%

34.76%

Depreciation & Amortization

160K

212K

216K

1.34M

3.54M

4.12M

4.5M

5.11M

8.87M

10.28M

Combined Ratio %

91.71%

75.04%

84.04%

96.31%

76.94%

79.35%

72.43%

72.7%

71.07%

74.12%

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%

253.14M▲ 0%

Operating Margin %

8.29%

24.96%

15.96%

3.69%

23.06%

20.65%

27.57%

27.3%

28.93%

25.88%

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

266.8M

EBITDA Margin %

8.56%

25.25%

16.15%

4.49%

24.49%

21.91%

28.77%

28.22%

29.94%

27.28%

Interest Expense

1.75M

2.3M

1.07M

40K

873K

3.77M

1.14M

392K

3.46M

Non-Operating Income

-1.75M

-2.3M

-1.07M

-40K

-873K

-3.77M

-1.14M

-392K

-3.46M

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%

253.14M▲ 0%

Pretax Margin %

8.29%

24.96%

15.96%

3.69%

23.06%

20.65%

27.57%

27.3%

28.93%

25.88%

Income Tax

1.15M

-6K

7.46M

-34K

11.29M

15.38M

24.44M

33.62M

56.32M

56.04M

Effective Tax Rate %

23.23%

-0.03%

41.25%

-0.55%

19.76%

22.77%

23.58%

22.24%

22.23%

22.14%

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%

197.09M▲ 0%

Net Margin %

6.36%

24.97%

9.37%

3.71%

18.5%

15.95%

21.07%

21.23%

22.5%

20.15%

Net Income Growth %

-42.8%

381.6%

-41.7%

-41.09%

632.73%

13.79%

51.81%

48.45%

67.62%

46.96%

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%

7.21▲ 0%

EPS Growth %

-41.38%

376.47%

-39.51%

-51.02%

633.33%

14.77%

54.95%

43.13%

60.04%

43.31%

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

21.83M

25.6M

26.11M

25.8M

25.33M

26.22M

27.49M

27.34M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

TTM

Total Assets

188.35M

231.13M

395.46M

729.09M

925.73M

1.31B

1.71B

2.26B

2.23B

3.61B

Asset Growth %

29.78%

22.71%

71.1%

84.36%

26.97%

41.13%

30.74%

32.45%

-1.59%

117.11%

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

4.12B

Short-Term Investments

101.91M

122.22M

217.15M

397.99M

432.68M

515.06M

643.8M

470.43M

618.28M

1.41B

Total Current Assets

142.66M

164.94M

303.76M

585.1M

789.42M

1.15B

559.8M

1.47B

Cash & Equivalents

10.78M

9.53M

33.12M

33.54M

50.28M

68.11M

51.55M

80.44M

106.89M

56.54M

Receivables

29.97M

53.49M

153.57M

245.33M

356.47M

538.77M

700.88M

452.91M

2.91B

Other Current Assets

8.4M

31.91M

54.17M

2.81M

3.83M

-1.5B

-1.53B

-974.18M

-577.74M

Goodwill & Intangibles

744K

11.51M

9.5M

8.26M

12.31M

13.24M

80.3M

576.92M

Goodwill

3.75M

246.17M

Intangible Assets

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

2.3M

Other Assets

-127.07M

-149.08M

-4.58M

-8.6M

93.03M

111.45M

1.65B

1.73B

849.19M

-1.56B

Total Liabilities

109.94M

139.96M

176.91M

365.38M

531.57M

921.7M

1.24B

1.53B

1.28B

2.65B

Total Debt

17.09M

19.08M

3.47M

36.4M

52.6M

7.09M

297.43M

Net Debt

6.31M

9.55M

-33.12M

-33.54M

-46.81M

-31.71M

1.05M

-80.44M

-99.8M

-56.54M

Long-Term Debt

17.09M

19.08M

1.28M

36.4M

52.6M

6.71M

Short-Term Debt

904K

36.4M

52.6M

1.05M

927K

Total Current Liabilities

11.57M

24.97M

1.12M

42.96M

531.57M

921.7M

5.85M

Accounts Payable

11.57M

19.85M

24.94M

42.96M

58.74M

171.89M

224.12M

260.25M

387.08M

Deferred Revenue

226.35M

471.31M

597.1M

741.69M

632.23M

Other Current Liabilities

-11.58M

-19.85M

-24.93M

245.57M

242.09M

-881.08M

-1B

-1.02B

5.85M

Deferred Taxes

1000K

10.84M

Other Liabilities

310.74M

486.5M

641.13M

381.86M

1.28B

2.64B

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%

959.04M▲ 0%

Equity Growth %

7.26%

16.27%

139.72%

66.42%

8.37%

-2.39%

22.48%

54.7%

29.3%

134.55%

Shareholders Equity

78.41M

91.17M

218.56M

363.71M

394.17M

384.75M

471.25M

729.03M

942.67M

959.04M

Minority Interest

Retained Earnings

6.92M

275K

33.86M

39.96M

69.95M

87.71M

144.64M

262.22M

422M

441.86M

Common Stock

Accumulated OCI

2.99M

-563K

4.69M

13.25M

5.31M

-36.52M

-23.99M

-26.84M

-2.51M

-16.45M

Return on Equity (ROE)

4.99%

21.49%

6.86%

2.15%

12.1%

13.4%

18.5%

19.59%

23.58%

21.74%

Return on Assets (ROA)

2.27%

8.69%

3.39%

1.11%

5.54%

4.67%

5.25%

5.92%

8.78%

6.79%

Equity / Assets

41.63%

39.45%

55.27%

49.89%

42.58%

29.45%

27.59%

32.23%

42.34%

26.55%

Debt / Equity

0.22x

0.21x

0.01x

0.09x

0.11x

0.01x

0.31x

Book Value per Share

3.47

4.03

10.01

14.21

15.10

14.92

18.61

27.80

34.30

35.08

Tangible BV per Share

3.43

4.00

9.98

13.76

14.73

14.60

18.12

27.30

31.38

26.07

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

TTM

Cash from Operations

20.25M

22.81M

41.7M

53.55M

87.81M

169.58M

116.11M

261.16M

409.12M

321.94M

Operating CF Growth %

27.95%

12.64%

82.83%

28.42%

63.98%

93.12%

-31.53%

124.93%

56.66%

64.34%

Operating CF / Revenue %

34.05%

31.26%

36.81%

31.79%

35.44%

51.85%

30.89%

47.15%

46.71%

32.92%

Net Income

3.78M

18.22M

10.62M

6.26M

45.85M

52.17M

79.2M

117.57M

197.07M

197.09M

Depreciation & Amortization

160K

212K

216K

1.34M

3.54M

4.12M

4.5M

5.11M

8.93M

1.35M

Stock-Based Compensation

24.1M

2.17M

5.58M

11.62M

14.91M

16.68M

21.01M

5.38M

Deferred Taxes

1.13M

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

-21.8M

220.81M

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

-302.04M

Capital Expenditures

-68K

-332K

-2.93M

-4.07M

-18K

-313K

-15K

-243K

-137K

-102K

Acquisitions

2.81M

-7.07M

-11K

-15K

-8.53M

-69.83M

-34.26M

Purchase of Investments

-54.21M

-136.46M

-270.44M

-341.95M

-216.57M

-392.63M

-234.72M

-607.1M

-903.91M

-501.51M

Sale/Maturity of Investments

35.4M

111.17M

188.97M

170.23M

161.75M

242.73M

120.58M

627.57M

262.25M

Other Investing

-250K

250K

1.02M

1.42M

-3.34M

-6.57M

-5.79M

301.1M

-7.67M

-28.41M

Cash from Financing

1.55M

62.29M

128.33M

-13.04M

5.02M

-3.94M

73.77M

-28.79M

-32.34M

Dividends Paid

-5.12M

Share Repurchases

-15.85M

-34.41M

-22.27M

-37.28M

-37.14M

Stock Issued

87.41M

125.55M

123.62M

4.92M

1.3M

Debt Issuance (Net)

1000K

-1000K

1000K

Other Financing

2.78M

2.81M

3.03M

2.13M

-112.97M

3.58M

3.51M

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%

-62.77M▲ 0%

Exchange Rate Effect

-50.34M

Cash at Beginning

9.81M

10.93M

9.92M

33.35M

33.79M

50.37M

68.16M

51.85M

80.54M

106.89M

Cash at End

10.93M

9.92M

33.35M

33.79M

50.37M

68.16M

51.85M

80.54M

106.89M

56.55M

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%

401.99M▲ 54.1%

318.33M▲ 0%

FCF Growth %

35.19%

11.38%

72.51%

27.6%

67.67%

97.26%

-33.18%

138.61%

54.07%

2.86%

FCF Margin %

33.94%

30.8%

34.22%

29.37%

33.48%

50.03%

29.09%

47.11%

45.89%

32.55%

FCF per Share

0.89

0.99

1.78

1.93

3.18

6.34

4.32

9.95

14.63

11.64

Metric

2017

2018

2019

2020

2021

2022

2023

2024

2025

TTM

Combined Ratio

91.71%

75.04%

84.04%

96.31%

76.94%

79.35%

72.43%

72.7%

71.07%

74.12%

Medical Cost Ratio

63.31%

47.28%

37.82%

76.07%

55.24%

57.92%

47.97%

51.35%

26.1%

39.35%

Return on Equity (ROE)

4.99%

21.49%

6.86%

2.15%

12.1%

13.4%

18.5%

19.59%

23.58%

21.74%

Return on Assets (ROA)

2.27%

8.69%

3.39%

1.11%

5.54%

4.67%

5.25%

5.92%

8.78%

6.79%

Equity / Assets

41.63%

39.45%

55.27%

49.89%

42.58%

29.45%

27.59%

32.23%

42.34%

26.55%

Book Value / Share

3.47

4.03

10.01

14.21

15.1

14.92

18.61

27.8

34.3

35.08

Debt / Equity

0.22x

0.21x

0.01x

0.09x

0.11x

0.01x

0.31x

Revenue Growth

39.28%

22.71%

55.26%

48.69%

47.09%

32%

14.93%

47.33%

58.16%

60.34%

Palomar Holdings, Inc.(PLMR)Earnings, Financials & Key Ratios

PLMR Key Insights

✓Strengths

✗Weaknesses

PLMR Price & Volume

PLMR Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

PLMR Recent Earnings

PLMR Peer Comparison

Compare PLMR vs Peers

vs KNSL

vs ACGL

Compare Top 5

PLMR Income Statement

PLMR Balance Sheet

PLMR Cash Flow Statement

PLMR Key Ratios

PLMR SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

PLMR Frequently Asked Questions

Palomar Holdings, Inc.(PLMR)Earnings, Financials & Key Ratios

PLMR Key Insights

✓Strengths

✗Weaknesses

PLMR Price & Volume

PLMR Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

PLMR Recent Earnings

PLMR Peer Comparison

Compare PLMR vs Peers

vs KNSL

vs ACGL

Compare Top 5

PLMR Income Statement

PLMR Balance Sheet

PLMR Cash Flow Statement

PLMR Key Ratios

PLMR SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

PLMR Frequently Asked Questions