The earnings call reflects a strong financial performance with significant growth across key segments, continued strategic investments, and successful reinsurance placements. However, challenges remain in the form of temporary premium declines in the fronting business and rate pressures in the commercial property sector.

Company Guidance -

Q3 2025

During the first quarter of 2025, Palomar Holdings reported robust financial performance, reflecting significant growth across various metrics. The company achieved an 85% increase in adjusted net income and maintained an adjusted combined ratio of 69%. Gross written premiums grew by 20% overall, with a notable 37% increase in same-store premium growth. This growth was driven by both new products and a diversified portfolio of residential and commercial properties. Palomar's strategic initiatives contributed to these results, including the successful integration of First Indemnity of America and the acquisition of Advanced AgProtection, positioning the company for long-term growth in its surety and crop insurance divisions. Additionally, the company raised its full-year adjusted net income guidance to a range of $186 million to $200 million, supported by a strong start to the year and favorable dynamics in their diverse business portfolio.

Record Adjusted Net Income Growth

Adjusted net income grew 85% year-over-year to $51.3 million, demonstrating strong financial performance and the successful execution of strategic initiatives.

Sustained Premium Growth

Gross written premium increased by 20% in the first quarter, driven by new products and a balanced portfolio, with same-store premium growth at 37%.

Strong Earthquake and Hawaiian Hurricane Growth

Earthquake gross written premium grew by 23% year-over-year, and Hawaiian hurricane premiums increased by 82%, highlighting strong demand and effective market adaptation.

Casualty Segment Expansion

Casualty gross written premium grew 113% year-over-year, with strong performances in general liability, E&S casualty, real estate E&O, and environmental liability.

Crop Business Expansion

Crop franchise generated $48 million in written premium, a 25% increase year-over-year, with strategic investments in talent and geographic expansion.

Successful Reinsurance Placements

Secured $525 million in earthquake limit through the Torrey Pines Re catastrophe bond issuance and placed a new Laulima excess loss treaty, both at favorable pricing.

Raised Full-Year 2025 Guidance

Adjusted net income guidance increased to a range of $186 million to $200 million, reflecting confidence in continued growth and profitability.

Palomar Holdings (PLMR) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

PLMR Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	1.57 / -	1.23	―	―	―
Aug 04, 2025	2025 (Q2)	1.67 / 1.76	1.25	40.80% (+0.51)	―
May 05, 2025	2025 (Q1)	1.59 / 1.87	1.09	71.56% (+0.78)	―
Feb 12, 2025	2024 (Q4)	1.23 / 1.52	1.11	36.94% (+0.41)	―
Nov 04, 2024	2024 (Q3)	1.03 / 1.23	0.92	33.70% (+0.31)	―
Aug 05, 2024	2024 (Q2)	1.09 / 1.25	0.86	45.35% (+0.39)	―
May 02, 2024	2024 (Q1)	0.94 / 1.09	0.8	36.25% (+0.29)	―
Feb 14, 2024	2023 (Q4)	0.94 / 1.11	0.82	35.37% (+0.29)	―
Nov 01, 2023	2023 (Q3)	0.74 / 0.92	0.29	217.24% (+0.63)	―
Aug 02, 2023	2023 (Q2)	0.82 / 0.86	0.73	17.81% (+0.13)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PLMR Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 04, 2025	$131.53	$112.26	-14.65%
May 05, 2025	$155.69	$156.33	+0.41%
Feb 12, 2025	$108.99	$125.04	+14.73%
Nov 04, 2024	$88.47	$90.30	+2.07%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Palomar Holdings (PLMR) report earnings?

Palomar Holdings (PLMR) is schdueled to report earning on Oct 29, 2025, After Close (Confirmed).

What is Palomar Holdings (PLMR) earnings time?

Palomar Holdings (PLMR) earnings time is at Oct 29, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PLMR EPS forecast?

PLMR EPS forecast for the fiscal quarter 2025 (Q3) is 1.57.

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