Equity Profile

PLMR

Palomar Holdings, Inc.

FinancialsProperty & Casualty Insurance$3.4B

Aug3Mon

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

Palomar Holdings, Inc. is a property and casualty insurance company that focuses on providing coverage for residential and commercial properties....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

$2.21

Revenue

Total revenue reflects the company's ability to attract and retain customers, which is vital for growth in the insurance industry.

$281M

Wall Street expectations, options signals, track record, and call prep available with Pro.

PLMR Q2-2026 Earnings Preview

Context

Company Snapshot

Palomar Holdings, Inc. is a property and casualty insurance company that focuses on providing coverage for residential and commercial properties. As part of the financial sector, it plays a crucial role in risk management for homeowners and businesses, especially in areas prone to natural disasters.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+25.56%

Avg Stock Reaction

+0.36%

Last Quarter Recap

In Q1 2026, Palomar reported an EPS of $2.31, exceeding estimates by nearly 15%. The stock experienced a slight decline the following day despite the positive surprise.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Palomar to continue its strong performance with an EPS of $2.21 and revenue of $281 million. The company has consistently beaten earnings estimates in recent quarters.

Bull Case

If Palomar can maintain or exceed its EPS estimates, it could indicate strong operational efficiency and customer retention, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations, it may raise concerns about its growth trajectory and profitability, leading to a negative market reaction.

Key Metrics to Watch

EPS

$2.21

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

Revenue

$281M

Total revenue reflects the company's ability to attract and retain customers, which is vital for growth in the insurance industry.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $2.21?

Surpassing this estimate would reinforce the company's strong performance trend and could positively influence investor sentiment.

How does management view revenue growth prospects in light of recent market conditions?

Understanding management's outlook on revenue growth will provide insights into the company's strategy and potential challenges ahead.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the impact of recent market conditions on Palomar's revenue growth, which could be more volatile than anticipated.

Supporting Evidence

The options market is pricing in a 19.99% move, indicating significant uncertainty that may not align with historical performance.

Palomar's recent EPS surprises have been substantial, suggesting that analysts may be too conservative in their estimates.

Key Risk

If revenue growth falls short of $281 million, it could undermine the bullish sentiment surrounding the stock.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Palomar can sustain its recent growth trajectory amidst competitive pressures and economic conditions.

Bull Confirmed If

An EPS of $2.25 or higher would confirm the bull case and suggest continued operational strength.

Bear Confirmed If

An EPS below $2.10 would confirm the bear case, indicating potential issues with profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±19.99%

Historical Avg

±1.4%

Pricing rich

The options market is pricing in a significant potential move, suggesting that investors are anticipating volatility around the earnings report.

Options are pricing ±20.0% while PLMR has averaged ±1.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

31.4%

Calls (100)P/C Ratio: 1.33Puts (200)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Palomar beats expectations, history suggests the stock could rise by about 0.36% on the following day, confirming its strong performance.

In-Line / Cautious

If results are in line with expectations but management provides cautious commentary, the stock may experience muted movement as investors reassess growth prospects.

Miss

A miss on EPS could lead to a decline, with historical data suggesting a potential drop of around 0.0% or more, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies and their effectiveness.
2Management's insights on claims trends and their impact on profitability.
3Details on any new insurance products or services being launched.
4Comments on competitive pressures in the property and casualty insurance market.
5Guidance on future revenue expectations and market conditions.

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Company Snapshot

Palomar Holdings, Inc. is a property and casualty insurance company that focuses on providing coverage for residential and commercial properties....

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

$2.21

Revenue

Total revenue reflects the company's ability to attract and retain customers, which is vital for growth in the insurance industry.

$281M

Wall Street expectations, options signals, track record, and call prep available with Pro.

PLMR Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+25.56%

Avg Stock Reaction

+0.36%

Last Quarter Recap

In Q1 2026, Palomar reported an EPS of $2.31, exceeding estimates by nearly 15%. The stock experienced a slight decline the following day despite the positive surprise.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Palomar to continue its strong performance with an EPS of $2.21 and revenue of $281 million. The company has consistently beaten earnings estimates in recent quarters.

Bull Case

If Palomar can maintain or exceed its EPS estimates, it could indicate strong operational efficiency and customer retention, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to meet expectations, it may raise concerns about its growth trajectory and profitability, leading to a negative market reaction.

Key Metrics to Watch

EPS

$2.21

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

Revenue

$281M

Total revenue reflects the company's ability to attract and retain customers, which is vital for growth in the insurance industry.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will EPS exceed the consensus estimate of $2.21?

Surpassing this estimate would reinforce the company's strong performance trend and could positively influence investor sentiment.

How does management view revenue growth prospects in light of recent market conditions?

Understanding management's outlook on revenue growth will provide insights into the company's strategy and potential challenges ahead.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the impact of recent market conditions on Palomar's revenue growth, which could be more volatile than anticipated.

Supporting Evidence

The options market is pricing in a 19.99% move, indicating significant uncertainty that may not align with historical performance.

Palomar's recent EPS surprises have been substantial, suggesting that analysts may be too conservative in their estimates.

Key Risk

If revenue growth falls short of $281 million, it could undermine the bullish sentiment surrounding the stock.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is debating whether Palomar can sustain its recent growth trajectory amidst competitive pressures and economic conditions.

Bull Confirmed If

An EPS of $2.25 or higher would confirm the bull case and suggest continued operational strength.

Bear Confirmed If

An EPS below $2.10 would confirm the bear case, indicating potential issues with profitability.

Pre-Earnings Positioning

Options Market

Implied Move

±19.99%

Historical Avg

±1.4%

Pricing rich

The options market is pricing in a significant potential move, suggesting that investors are anticipating volatility around the earnings report.

Options are pricing ±20.0% while PLMR has averaged ±1.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

31.4%

Calls (100)P/C Ratio: 1.33Puts (200)

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Palomar beats expectations, history suggests the stock could rise by about 0.36% on the following day, confirming its strong performance.

In-Line / Cautious

If results are in line with expectations but management provides cautious commentary, the stock may experience muted movement as investors reassess growth prospects.

Miss

A miss on EPS could lead to a decline, with historical data suggesting a potential drop of around 0.0% or more, reflecting investor disappointment.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition strategies and their effectiveness.
2Management's insights on claims trends and their impact on profitability.
3Details on any new insurance products or services being launched.
4Comments on competitive pressures in the property and casualty insurance market.
5Guidance on future revenue expectations and market conditions.