Palomar Holdings, Inc. (PLMR)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
$144.04+1.29%
Close 2026-11-04 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
QuarterlyIQ Insights · PLMR
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -32.5% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 49.7% |
Growth built into the price is above our model estimate.
The price assumes 82.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 26 industry peers · Company calendar date is not available
PLMR — dividend update
Dated 2026-08-04
Other Events. On July 30, 2026, the Board of Directors of the Company declared the Company’s initial quarterly cash dividend of $0.45 per common share. The dividend will be payable on September 2, 2026, to stockholders of record as of the close of business on August 19, 2026.
Why it matters: Palomar raised its 2026 adjusted income range to $270M–$280M. Meeting it would support the Palomar 2X growth plan.
Supportive ifQ3 results keep full-year adjusted net income guidance at $270M–$280M or raise it.
Worry ifPalomar cuts its full-year adjusted net income outlook to below $270M.
Why it matters: A low combined ratio points to profit from underwriting. Q2's adjusted ratio was 76.7% as premiums grew.
Supportive ifQ3 adjusted combined ratio is 78% or lower, with gross written premiums still growing year over year.
Worry ifQ3 adjusted combined ratio rises above 80%, or gross written premiums fall from last year.
Why it matters: The first dividend adds a new cash payment. Another declaration would show the program is continuing alongside growth plans.
Supportive ifThe Board declares another $0.45 dividend per share each quarter.
Worry ifThe Board skips the next quarterly dividend or declares less than $0.45 per share.
Why it matters: Palomar bought back $41.0M of shares in Q2. Further purchases would show the board is still using the plan.
Supportive ifQ3 filings show share repurchases under the $200M program. The program is not paused or canceled.
Worry ifPalomar reports no Q3 share repurchases or ends the $200M program.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$166 on $10,000 · ±1.7% | How much price usually moves either way. |
| Bad day | $359 loss on $10,000 · 3.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,614 loss on $10,000 · 26.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The release is the next test of growth and underwriting results. The sector's growth trend has eased, which adds context.
Watch forQ3 gross written premiums grow year over year and adjusted combined ratio is 78% or lower.
Also watch forQ3 gross written premiums fall from last year, or the adjusted combined ratio rises above 80%.