Equity Profile

PLMR

Palomar Holdings, Inc.

FinancialsProperty & Casualty Insurance$2.9B

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 specialty insurance products....

Key Metrics to Watch

Earnings Per Share (EPS)

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

$2.01

Revenue Growth

Revenue growth reflects the company's ability to expand its business and capture market share, crucial for long-term success.

N/A

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 focuses on providing specialty insurance products. Operating in the financial sector, it plays a crucial role in managing risks 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 expectations by nearly 15%. However, the stock experienced a slight decline the following day.

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. However, concerns about revenue growth and claims management persist.

Bull Case

If Palomar continues its trend of exceeding EPS estimates and shows strong revenue growth, it could signal robust demand for its insurance products and lead to a positive stock reaction.

Bear Case

On the other hand, if the company fails to meet expectations or reports a high claims ratio, it could raise red flags about profitability and lead to a negative market reaction.

Key Metrics to Watch

Earnings Per Share (EPS)

$2.01

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

Revenue Growth

N/A

Revenue growth reflects the company's ability to expand its business and capture market share, crucial for long-term success.

Claims Ratio

N/A

The claims ratio indicates how much of the premium income is being 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?

Given Palomar's history of beating EPS estimates, this number will be critical in determining investor sentiment.

How is the claims ratio trending this quarter?

A high claims ratio could indicate potential profitability issues, making this a key focus for investors.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Palomar's ability to manage claims effectively, which could lead to better-than-expected profitability despite market concerns.

Supporting Evidence

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

The options market is pricing a significant move, suggesting that investors are uncertain about the outcome.

Key Risk

If the claims ratio comes in lower than expected, it could significantly boost investor confidence.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is weighing the potential for continued earnings growth against concerns about claims and revenue stability.

Bull Confirmed If

An EPS of $2.50 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $1.90 could signal underlying issues with profitability and claims management.

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, indicating heightened uncertainty ahead of 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 EPS expectations and raises guidance, history suggests a positive stock reaction, averaging a +0.36% move.

In-Line / Cautious

If results are in line with expectations but management expresses caution, the stock may react neutrally.

Miss

Should the company miss expectations, historical patterns indicate a potential decline, averaging a -0.88% move.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on the claims ratio and how it compares to previous quarters.
2Details on revenue growth and any new product offerings.
3Management's outlook on market conditions and potential challenges.
4Insights into customer acquisition and retention strategies.
5Any commentary on competitive pressures in the insurance market.

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Company Snapshot

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

Key Metrics to Watch

Earnings Per Share (EPS)

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

$2.01

Revenue Growth

Revenue growth reflects the company's ability to expand its business and capture market share, crucial for long-term success.

N/A

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 Q1 2026, Palomar reported an EPS of $2.31, exceeding expectations by nearly 15%. However, the stock experienced a slight decline the following day.

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. However, concerns about revenue growth and claims management persist.

Bull Case

If Palomar continues its trend of exceeding EPS estimates and shows strong revenue growth, it could signal robust demand for its insurance products and lead to a positive stock reaction.

Bear Case

On the other hand, if the company fails to meet expectations or reports a high claims ratio, it could raise red flags about profitability and lead to a negative market reaction.

Key Metrics to Watch

Earnings Per Share (EPS)

$2.01

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

Revenue Growth

N/A

Revenue growth reflects the company's ability to expand its business and capture market share, crucial for long-term success.

Claims Ratio

N/A

The claims ratio indicates how much of the premium income is being 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?

Given Palomar's history of beating EPS estimates, this number will be critical in determining investor sentiment.

How is the claims ratio trending this quarter?

A high claims ratio could indicate potential profitability issues, making this a key focus for investors.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Palomar's ability to manage claims effectively, which could lead to better-than-expected profitability despite market concerns.

Supporting Evidence

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

The options market is pricing a significant move, suggesting that investors are uncertain about the outcome.

Key Risk

If the claims ratio comes in lower than expected, it could significantly boost investor confidence.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

The market is weighing the potential for continued earnings growth against concerns about claims and revenue stability.

Bull Confirmed If

An EPS of $2.50 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $1.90 could signal underlying issues with profitability and claims management.

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, indicating heightened uncertainty ahead of 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 EPS expectations and raises guidance, history suggests a positive stock reaction, averaging a +0.36% move.

In-Line / Cautious

If results are in line with expectations but management expresses caution, the stock may react neutrally.

Miss

Should the company miss expectations, historical patterns indicate a potential decline, averaging a -0.88% move.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on the claims ratio and how it compares to previous quarters.
2Details on revenue growth and any new product offerings.
3Management's outlook on market conditions and potential challenges.
4Insights into customer acquisition and retention strategies.
5Any commentary on competitive pressures in the insurance market.