PLMRPalomar Holdings, Inc.
Palomar Holdings, Inc. (PLMR) sells reinsurance and specialty insurance products, primarily targeting commercial and specialty markets. The next catalyst is Nov 4, 2026 — Q3 2026 Earnings Release, which will test the company’s ability to maintain margin stability amid cooling interest rates and rising catastrophe risk.
- Revenue grew 58.2% YoY to $1.04B, with net income of $189.94M and a net margin of 18.2% (TTM).
- Debt-to-equity ratio of 0.31x, with shareholders’ equity of $942.67M.
- Diluted EPS of $1.94, reflecting strong earnings power but pressure from rising costs.
The Read
2% after positive reinsurance updates and earnings revisions, but fell 7% in August after matching EPS estimates amid margin pressures.
The schedule
- Wed4Nov
The earnings release will test whether Palomar can deliver a strong guidance reset, particularly on margin and cash flow, following the last report where the mix was a key drag.
- Tue9Feb
This report will test the ability to sustain the guidance reset from Q3, with a focus on the reinsurance treaty placements and their impact on the balance sheet and cash flow.
- Tue30Mar
The Spring 2027 Reinsurance Treaty will test the ability to secure favorable terms and pricing, which will directly impact the P&L and cash flow.
- Tue11May
The earnings release will test the ability to maintain the guidance reset and deliver on the reinsurance treaty placements, with a focus on the P&L impact of the mix and margin changes.
- Wed4Aug
This report will test the ability to maintain the guidance reset and deliver on the reinsurance treaty placements, with a focus on the P&L impact of the mix and margin changes.
Past
- Tue6Oct
Actual outcome: Bull · $140.69 at outcome
The stock rallied 10.8% following the Q3 2026 Catastrophe Event, driven by stronger-than-expected revenue growth and improved guidance on demand stabilization. The price movement reflected optimism around the company's strategic initiatives and long-term growth prospects, which moved the stock above the bull target despite a mixed earnings report.
- Wed5Aug
Actual outcome: Bear · $131.00 at outcome
Palomar Holdings, Inc. (PLMR) reported earnings per share (EPS) of $2.00, matching the estimate of $2.00, but the stock fell 2.2% following the results. The price closed below the bear floor of $132.00, indicating a bearish outcome. The mixed reaction to the earnings report, combined with underlying margin pressures and the stock's subsequent decline, led to the bear classification.
Quarterly earnings report evaluating top-line momentum against net income and margin pressures.
- Mon30Mar
Actual outcome: Bull · $128.38 at outcome
Palomar's mid-year reinsurance update coincided with a positive trend in earnings estimate revisions and a technical hammer pattern that signaled a price bottom. While the stock remained flat during the immediate outcome window, the fundamental support from analysts and upward revisions suggest the reinsurance placement successfully mitigated cost concerns, maintaining the stock's position near its bull target
- Tue24Feb
Actual outcome: Bull · $129.99 at outcome
Palomar delivered a strong Q4 earnings beat ($2.24 actual vs $2.06 estimate) and a nearly 60% jump in revenue, driven by higher premiums and underwriting gains. Crucially, the company provided a sharply raised 2026 outlook, which successfully addressed market scrutiny regarding its high valuation. This combination of strong fundamental results and aggressive forward guidance drove the stock price well past the bull target.