Compared to Estimates, Palomar (PLMR) Q4 Earnings: A Look at Key Metrics

Core Insights - Palomar (PLMR) reported a revenue of $250.99 million for the quarter ended December 2025, marking a year-over-year increase of 59.9% and exceeding the Zacks Consensus Estimate by 13.07% [1] - The earnings per share (EPS) for the same period was $2.24, up from $1.52 a year ago, with an EPS surprise of 8.95% compared to the consensus estimate of $2.06 [1] Financial Performance Metrics - Loss Ratio stood at 30.4%, better than the five-analyst average estimate of 31% [4] - Combined Ratio was reported at 76.8%, slightly above the average estimate of 75.5% based on four analysts [4] - Expense Ratio was 46.4%, compared to the four-analyst average estimate of 44.5% [4] - Adjusted Combined Ratio was 73.4%, in line with the average estimate of 73.1% from two analysts [4] - Net Investment Income was $15.99 million, exceeding the average estimate of $15.34 million by 41.3% year-over-year [4] - Commission and Other Income reached $1.54 million, significantly higher than the estimated $1.1 million, representing a 105.5% year-over-year increase [4] - Net Earned Premiums totaled $233.46 million, surpassing the average estimate of $205.55 million, with a year-over-year change of 61.1% [4] Stock Performance - Palomar's shares have returned +1.3% over the past month, contrasting with a -0.3% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]