Equity Profile

PLMR

Palomar Holdings, Inc.

FinancialsProperty & Casualty Insurance$3.7B

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 innovative insurance solutions....

Key Metrics to Watch

EPS (Earnings Per Share)

EPS is a key indicator of profitability and will show how well the company has managed costs and generated revenue this quarter.

N/A

Revenue Growth

Revenue growth is critical for assessing the company's market demand and overall business health, especially in a competitive insurance landscape.

N/A

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 innovative insurance solutions. Operating in the financial sector, it plays a crucial role in protecting individuals and businesses from various risks, especially in the context of changing climate conditions and increasing 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, surpassing estimates by 14.93%. However, the stock experienced a slight decline of 0.88% the following day, indicating mixed investor sentiment despite the earnings beat.

Management Promises & Guidance

Expectations

Wall Street Expectations

Investors are cautiously optimistic about Palomar's upcoming earnings, given its strong track record of beating EPS estimates consistently. However, the lack of revenue guidance raises some concerns about future growth.

Bull Case

If Palomar continues its trend of beating EPS estimates, it could signal strong operational efficiency and robust demand for its insurance products, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to provide clear revenue growth or guidance, it may lead to skepticism about its future prospects, causing the stock to decline.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the EPS figure for Q2-2026?

Given Palomar's history of beating EPS estimates, this figure will be crucial for determining investor sentiment and stock performance.

How is the company addressing potential risks from climate change?

As a property and casualty insurer, understanding how Palomar is managing risks related to climate change will be vital for assessing its long-term viability and growth.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Palomar's ability to leverage its innovative insurance solutions to capture market share, despite potential headwinds.

Supporting Evidence

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

The options market is pricing in a significant move, suggesting that investors expect volatility, which could be a sign of underlying strength.

The company's focus on niche markets may provide resilience against broader economic challenges.

Key Risk

If Palomar's EPS comes in above $2.50, it could challenge the current cautious sentiment and shift expectations positively.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The debate this quarter centers on whether Palomar can maintain its strong earnings performance amid potential market challenges.

Bull Confirmed If

An EPS of $2.50 or higher would confirm the bull case, indicating strong operational performance.

Bear Confirmed If

An EPS below $2.00 would confirm the bear case, raising concerns about 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 expect 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 around 0.36% on the following day, confirming strong operational health.

In-Line / Cautious

If results are in line with expectations but lack strong guidance, the stock may remain flat or see minor fluctuations as investors reassess future growth.

Miss

A miss on earnings could lead to a decline, with historical patterns indicating an average drop of around 0.0% to 2.56% in the following days.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on how the company is managing risks related to climate change.
2Details on new insurance products or services that could drive future growth.
3Insights into customer demand trends in the property and casualty insurance market.
4Management's outlook on the competitive landscape and how Palomar plans to differentiate itself.
5Any commentary on regulatory changes that could impact the insurance industry.

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Company Snapshot

Palomar Holdings, Inc. is a property and casualty insurance company that focuses on providing innovative insurance solutions....

Key Metrics to Watch

EPS (Earnings Per Share)

EPS is a key indicator of profitability and will show how well the company has managed costs and generated revenue this quarter.

N/A

Revenue Growth

Revenue growth is critical for assessing the company's market demand and overall business health, especially in a competitive insurance landscape.

N/A

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

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If Palomar continues its trend of beating EPS estimates, it could signal strong operational efficiency and robust demand for its insurance products, potentially driving the stock higher.

Bear Case

Conversely, if the company fails to provide clear revenue growth or guidance, it may lead to skepticism about its future prospects, causing the stock to decline.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will be the EPS figure for Q2-2026?

Given Palomar's history of beating EPS estimates, this figure will be crucial for determining investor sentiment and stock performance.

How is the company addressing potential risks from climate change?

As a property and casualty insurer, understanding how Palomar is managing risks related to climate change will be vital for assessing its long-term viability and growth.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Palomar's ability to leverage its innovative insurance solutions to capture market share, despite potential headwinds.

Supporting Evidence

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

The options market is pricing in a significant move, suggesting that investors expect volatility, which could be a sign of underlying strength.

The company's focus on niche markets may provide resilience against broader economic challenges.

Key Risk

If Palomar's EPS comes in above $2.50, it could challenge the current cautious sentiment and shift expectations positively.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The debate this quarter centers on whether Palomar can maintain its strong earnings performance amid potential market challenges.

Bull Confirmed If

An EPS of $2.50 or higher would confirm the bull case, indicating strong operational performance.

Bear Confirmed If

An EPS below $2.00 would confirm the bear case, raising concerns about 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 expect 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 around 0.36% on the following day, confirming strong operational health.

In-Line / Cautious

If results are in line with expectations but lack strong guidance, the stock may remain flat or see minor fluctuations as investors reassess future growth.

Miss

A miss on earnings could lead to a decline, with historical patterns indicating an average drop of around 0.0% to 2.56% in the following days.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on how the company is managing risks related to climate change.
2Details on new insurance products or services that could drive future growth.
3Insights into customer demand trends in the property and casualty insurance market.
4Management's outlook on the competitive landscape and how Palomar plans to differentiate itself.
5Any commentary on regulatory changes that could impact the insurance industry.