Equity Profile

PLMR

Palomar Holdings, Inc.

FinancialsProperty & Casualty Insurance$3.0B

Aug3Mon

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

Palomar Holdings, Inc. is a property and casualty insurance company that provides coverage for various risks, including natural disasters....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of a company's profitability and financial health, which investors closely monitor.

Expected to be around $2.31.

Revenue Growth

Revenue growth reflects the company's ability to expand its business and attract more customers, which is vital for long-term success.

Not available.

1 more metrics, 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 provides coverage for various risks, including natural disasters. Operating in the financial sector, it plays a crucial role in helping individuals and businesses manage their insurance needs, especially in areas prone to catastrophic events.

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 the last quarter, Palomar reported an EPS of $2.31, exceeding expectations by nearly 15%. However, revenue figures were not disclosed, leaving some uncertainty about overall performance.

Management Promises & Guidance

Continue to focus on expanding coverage options.
Maintain strong underwriting discipline.
Enhance customer service and claims processing.

Expectations

Wall Street Expectations

Analysts are generally optimistic about Palomar's upcoming earnings report, especially given its strong track record of beating EPS estimates. However, the lack of revenue guidance raises some concerns.

Bull Case

If Palomar can maintain its trend of beating EPS estimates and provide positive commentary on revenue growth, it could see a significant stock price increase.

Bear Case

On the other hand, if the company fails to meet expectations or provides weak guidance, it could lead to a sharp decline in stock value.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $2.31.

EPS is a key indicator of a company's profitability and financial health, which investors closely monitor.

Revenue Growth

Not available.

Revenue growth reflects the company's ability to expand its business and attract more customers, which is vital for long-term success.

Loss Ratio

Not available.

The loss ratio indicates how much of the premium income is paid out in claims, affecting profitability.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

The EPS figure is critical as it will indicate whether the company continues its trend of exceeding expectations and maintaining profitability.

What is the outlook for revenue growth moving forward?

Understanding the revenue trajectory is essential for assessing the company's ability to sustain its growth and profitability.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Palomar's ability to maintain its EPS growth due to its strong underwriting practices and market position in property insurance.

Supporting Evidence

Palomar has consistently beaten EPS estimates, indicating strong operational performance.

The options market is pricing a significant move, suggesting that traders expect volatility that may not align with consensus views.

Key Risk

If EPS comes in below $2.01, it could challenge the optimistic outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on whether Palomar can continue its streak of beating EPS estimates and provide clarity on revenue growth.

Bull Confirmed If

An EPS of $2.31 or higher would confirm the bullish case.

Bear Confirmed If

An EPS below $2.01 would indicate a bearish outlook.

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 in either direction, 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)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

This setup has occurred 30 times across Financials in the last 2 years. 12 of 25 faded and 13 held — no strong directional bias after the initial reaction. The average absolute 1-day move is 2.4%, with a raw directional average of -0.0% (roughly flat historical bias).

Edge

Insider Activity

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

CEO and ChairmanArmstrong Mac
$871,563.28
Net selling

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Palomar beats expectations, history suggests a potential stock increase of around +0.36%, confirming ongoing strong performance.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement as investors await further guidance.

Miss

A miss could lead to a decline, with historical patterns suggesting a potential drop of around -0.0%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on underwriting performance and loss ratios.
2Insights into customer acquisition and retention strategies.
3Details on claims processing efficiency improvements.
4Guidance on future premium pricing strategies.
5Management's view on market conditions and competitive landscape.

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Company Snapshot

Palomar Holdings, Inc. is a property and casualty insurance company that provides coverage for various risks, including natural disasters....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of a company's profitability and financial health, which investors closely monitor.

Expected to be around $2.31.

Revenue Growth

Revenue growth reflects the company's ability to expand its business and attract more customers, which is vital for long-term success.

Not available.

1 more metrics, 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 the last quarter, Palomar reported an EPS of $2.31, exceeding expectations by nearly 15%. However, revenue figures were not disclosed, leaving some uncertainty about overall performance.

Management Promises & Guidance

Continue to focus on expanding coverage options.
Maintain strong underwriting discipline.
Enhance customer service and claims processing.

Expectations

Wall Street Expectations

Bull Case

If Palomar can maintain its trend of beating EPS estimates and provide positive commentary on revenue growth, it could see a significant stock price increase.

Bear Case

On the other hand, if the company fails to meet expectations or provides weak guidance, it could lead to a sharp decline in stock value.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $2.31.

EPS is a key indicator of a company's profitability and financial health, which investors closely monitor.

Revenue Growth

Not available.

Revenue growth reflects the company's ability to expand its business and attract more customers, which is vital for long-term success.

Loss Ratio

Not available.

The loss ratio indicates how much of the premium income is paid out in claims, affecting profitability.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026?

The EPS figure is critical as it will indicate whether the company continues its trend of exceeding expectations and maintaining profitability.

What is the outlook for revenue growth moving forward?

Understanding the revenue trajectory is essential for assessing the company's ability to sustain its growth and profitability.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Palomar's ability to maintain its EPS growth due to its strong underwriting practices and market position in property insurance.

Supporting Evidence

Palomar has consistently beaten EPS estimates, indicating strong operational performance.

The options market is pricing a significant move, suggesting that traders expect volatility that may not align with consensus views.

Key Risk

If EPS comes in below $2.01, it could challenge the optimistic outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will hinge on whether Palomar can continue its streak of beating EPS estimates and provide clarity on revenue growth.

Bull Confirmed If

An EPS of $2.31 or higher would confirm the bullish case.

Bear Confirmed If

An EPS below $2.01 would indicate a bearish outlook.

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 in either direction, 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)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

Edge

Insider Activity

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

CEO and ChairmanArmstrong Mac
$871,563.28
Net selling

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Palomar beats expectations, history suggests a potential stock increase of around +0.36%, confirming ongoing strong performance.

In-Line / Cautious

If results are in line with expectations, the stock may see muted movement as investors await further guidance.

Miss

A miss could lead to a decline, with historical patterns suggesting a potential drop of around -0.0%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on underwriting performance and loss ratios.
2Insights into customer acquisition and retention strategies.
3Details on claims processing efficiency improvements.
4Guidance on future premium pricing strategies.
5Management's view on market conditions and competitive landscape.