Equity Profile

PLMR

Palomar Holdings, Inc.

FinancialsProperty & Casualty Insurance$3.0B

May6Wed

Post-Earnings Recap

ReportedQ1-2026After Close4:15 PM EDT

Palomar Holdings, Inc. Beats on EPS, Stock Down 0.88%

Metric	Actual	Expected	Surprise
EPS	$2.31	$2.20	+14.93%
Revenue	—	$248M	—

management commentary, guidance changes, and full analysis available with Pro.

Palomar Holdings, Inc. Beats on EPS, Stock Down 0.88%

Key Numbers

Metric	Actual	Expected	Surprise
EPS	$2.31	$2.20	+14.93%
Revenue	—	$248M	—

Management Commentary

Tone: Unknown

No transcript is on record, and the analysis is based on numerical results only.

What It Means

Palomar Holdings reported better-than-expected earnings per share, which indicates strong performance relative to analyst expectations. However, the stock reacted negatively, declining by 0.88%. The lack of revenue data and guidance may have contributed to investor uncertainty.

Company Snapshot

Palomar Holdings, Inc. (PLMR) operates in the property and casualty insurance sector, focusing on providing innovative insurance solutions....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and will show how well the company is managing its costs and generating income.

$2.20

Revenue

Revenue growth is crucial for assessing the company's ability to expand its market share and sustain operations.

$248M

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

Original Pre-Earnings Preview

Context

Company Snapshot

Palomar Holdings, Inc. (PLMR) operates in the property and casualty insurance sector, focusing on providing innovative insurance solutions. With a market cap of $3 billion, the company plays a significant role in the financial sector, particularly as it relates to risk management and coverage in the face of natural disasters and other liabilities.

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 Q4-2025, Palomar reported an EPS of $2.24, significantly beating estimates by 17.4%. The stock reacted positively, gaining 1.85% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Palomar to continue its strong performance with an EPS of $2.20 and revenue of $248 million. The company has consistently beaten EPS estimates in recent quarters.

Bull Case

If Palomar can maintain its track record of beating EPS estimates, it could see a strong positive reaction from investors, reinforcing confidence in its growth strategy.

Bear Case

On the other hand, if the company fails to meet expectations or if there are signs of declining profitability, it could lead to a negative market reaction.

Key Metrics to Watch

Earnings Per Share (EPS)

$2.20

EPS is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

$248M

Revenue growth is crucial for assessing the company's ability to expand its market share and sustain operations.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $2.20?

A beat on EPS would continue the company's streak of positive surprises, likely boosting investor confidence.

What insights can management provide on revenue growth relative to the expected $248 million?

Revenue performance is critical for assessing the company's growth trajectory and market position.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Palomar's ability to outperform due to its innovative insurance products that cater to emerging risks.

Supporting Evidence

The company has consistently beaten EPS estimates, indicating stronger operational efficiency than anticipated.

Options pricing suggests a significant move, which may reflect underlying investor optimism not captured in consensus estimates.

Key Risk

If the company reports an EPS below $2.14, it could challenge the current bullish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is weighing the company's ability to sustain its growth amid rising competition and economic challenges.

Bull Confirmed If

An EPS of $2.25 or higher would confirm the bull case, indicating strong operational performance.

Bear Confirmed If

An EPS below $2.14 would suggest potential issues in profitability and could confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±9.06%

Historical Avg

±1.4%

Pricing rich

The options market is pricing in a significant move of over 9%, indicating that traders expect volatility around the earnings announcement.

Options are pricing ±10.0% while PLMR has averaged ±1.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.7%

30d HV

36.1%

Calls (4K)P/C Ratio: 0.07Puts (2K)

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 the stock could rise by about 0.30% on the day, confirming the company's growth narrative.

In-Line / Cautious

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

Miss

A miss on earnings could lead to a decline, with historical patterns suggesting an average drop of around 1.43%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new insurance products or market expansions.
2Management's commentary on claims trends and risk exposure.
3Insights into customer retention rates and new client acquisitions.
4Discussion on competitive pressures and how they plan to address them.

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Company Snapshot

Palomar Holdings, Inc. (PLMR) operates in the property and casualty insurance sector, focusing on providing innovative insurance solutions....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of profitability and will show how well the company is managing its costs and generating income.

$2.20

Revenue

Revenue growth is crucial for assessing the company's ability to expand its market share and sustain operations.

$248M

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

Original Pre-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 Q4-2025, Palomar reported an EPS of $2.24, significantly beating estimates by 17.4%. The stock reacted positively, gaining 1.85% the following day.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Palomar to continue its strong performance with an EPS of $2.20 and revenue of $248 million. The company has consistently beaten EPS estimates in recent quarters.

Bull Case

If Palomar can maintain its track record of beating EPS estimates, it could see a strong positive reaction from investors, reinforcing confidence in its growth strategy.

Bear Case

On the other hand, if the company fails to meet expectations or if there are signs of declining profitability, it could lead to a negative market reaction.

Key Metrics to Watch

Earnings Per Share (EPS)

$2.20

EPS is a key indicator of profitability and will show how well the company is managing its costs and generating income.

Revenue

$248M

Revenue growth is crucial for assessing the company's ability to expand its market share and sustain operations.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed the consensus estimate of $2.20?

A beat on EPS would continue the company's streak of positive surprises, likely boosting investor confidence.

What insights can management provide on revenue growth relative to the expected $248 million?

Revenue performance is critical for assessing the company's growth trajectory and market position.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate Palomar's ability to outperform due to its innovative insurance products that cater to emerging risks.

Supporting Evidence

The company has consistently beaten EPS estimates, indicating stronger operational efficiency than anticipated.

Options pricing suggests a significant move, which may reflect underlying investor optimism not captured in consensus estimates.

Key Risk

If the company reports an EPS below $2.14, it could challenge the current bullish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is weighing the company's ability to sustain its growth amid rising competition and economic challenges.

Bull Confirmed If

An EPS of $2.25 or higher would confirm the bull case, indicating strong operational performance.

Bear Confirmed If

An EPS below $2.14 would suggest potential issues in profitability and could confirm the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±9.06%

Historical Avg

±1.4%

Pricing rich

The options market is pricing in a significant move of over 9%, indicating that traders expect volatility around the earnings announcement.

Options are pricing ±10.0% while PLMR has averaged ±1.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.7%

30d HV

36.1%

Calls (4K)P/C Ratio: 0.07Puts (2K)

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 the stock could rise by about 0.30% on the day, confirming the company's growth narrative.

In-Line / Cautious

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

Miss

A miss on earnings could lead to a decline, with historical patterns suggesting an average drop of around 1.43%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on new insurance products or market expansions.
2Management's commentary on claims trends and risk exposure.
3Insights into customer retention rates and new client acquisitions.
4Discussion on competitive pressures and how they plan to address them.