Equity Profile
Pre-Earnings Brief
Palomar Holdings Inc (PLMR) is a property and casualty insurance company that specializes in providing coverage for residential and commercial properties. As part of the financial sector, its performance is closely tied to trends in the housing market and overall economic conditions.
EPS
Earnings per share is a key indicator of profitability and helps investors gauge the company's financial health.
Revenue
Revenue figures provide insight into the company's sales performance and market demand for its insurance products.
Wall Street expectations, options signals, track record, and call prep available with Pro.
EPS Beat Streak
8Q
EPS Beat Rate
100%
Avg EPS Surprise
+28.12%
Avg Stock Reaction
+0.30%
In Q4 2025, Palomar reported an EPS of $2.24, significantly exceeding expectations and showcasing strong financial performance. The stock reacted positively, gaining 1.85% the following day.
Management Promises & Guidance
Analysts are generally optimistic about Palomar's upcoming earnings, expecting continued strong performance based on recent trends. The consensus EPS estimate is $2.20, reflecting confidence in the company's ability to maintain profitability.
Bull Case
If Palomar can deliver an EPS above the consensus estimate, it would reinforce the company's growth trajectory and potentially lead to a higher stock price.
Bear Case
Conversely, if the company fails to meet expectations, it could raise concerns about its ability to sustain growth, leading to a negative reaction in the stock price.
EPS
$2.20Earnings per share is a key indicator of profitability and helps investors gauge the company's financial health.
Revenue
$248MRevenue figures provide insight into the company's sales performance and market demand for its insurance products.
Expectations
The print will turn on these two things.
Q1
Will the EPS exceed $2.20, and if so, by how much?
A significant beat on EPS could signal strong operational performance and boost investor confidence.
Q2
What insights can management provide on revenue growth and market conditions?
Understanding revenue trends and market dynamics will be crucial for assessing future growth potential.
Edge
Why consensus could be wrong
The Street may underestimate Palomar's ability to outperform due to its strong operational efficiency and market positioning.
Supporting Evidence
Palomar has consistently beaten EPS estimates in the last four quarters, indicating strong management performance.
The company's focus on niche insurance markets may provide resilience against broader economic downturns.
Key Risk
If revenue growth significantly exceeds expectations, it could challenge the current consensus outlook.
Edge
Pre-commit to what would confirm each case.
The market is debating whether Palomar can sustain its recent growth momentum amid changing economic conditions.
Bull Confirmed If
An EPS of $2.25 or higher would confirm the bull case, indicating strong profitability.
Bear Confirmed If
An EPS below $2.14 would confirm the bear case, raising concerns about the company's growth prospects.
Pre-Earnings Positioning
Implied Move
±N/A
Historical Avg
±1.4%
There is no available options market data to gauge investor sentiment ahead of the earnings report.
Options are pricing ±6.0% while PLMR has averaged ±1.4% over the last 8 prints — setup is pricing rich.
30d HV
31.9%
Edge
Cross-company pattern from 30 similar setups.
Prior-quarter beat setup in Financials
n=30Fade rate: X of Y (Z%)
This setup has occurred 30 times across Financials in the last 2 years. The average absolute 1-day move is 1.5%, with a raw directional average of +0.3% (modestly positive historical bias).
Edge
Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.
Bought
$0.00
0 sh
0 insiders
Sold
$1.5M
11,634 sh
2 insiders
Net
$1.5M
Net selling
Most Active Insiders· 7 open-market trades
$871,563.28
Net selling
$624,142.19
Net selling
Recent Transactions
Apr 15, 2026 · @ $129.46
3,197 sh
$413,883.62
Apr 7, 2026 · @ $125.00
3,000 sh
$375,000.00
Open-market trades only (Form 4 codes P/S). Awards, exercises, and tax-withholding excluded as routine compensation noise.
Preparation
Likely market behavior by outcome — not investment advice.
Beat & Raise
If Palomar beats expectations, history suggests a potential stock increase of around 0.30%, confirming the company's growth trajectory.
In-Line / Cautious
An in-line report may lead to a muted response, as investors weigh management's commentary against current market conditions.
Miss
If the company misses expectations, history suggests a potential decline, although specific data on average moves when missing is not available.
Preparation
AI-powered briefs, options data, and 20 quarters of history — everything you need before earnings.
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LOEWS CORP
Apr 15, 2026 · @ $128.59
1,857 sh
$238,795.53
Apr 21, 2026 · @ $129.91
1,622 sh
$210,706.23
Apr 21, 2026 · @ $131.73
1,200 sh
$158,079.96