Palomar Holdings Inc. (PLMR) reported second-quarter 2025 operating income of $1.76 per share, which beat the Zacks Consensus Estimate by 4.7%. The bottom line increased 40.8% year over year. The quarter's results benefited from the successful execution of Palomar 2X strategy, improved premiums and net investment income, higher yields on invested assets and solid underwriting income, offset by higher expenses. Behind the Headlines Total revenues improved 48.9% year over year to $195 million, mainly attribut ...

View all Key Company Metrics for Lemonade here>>> Shares of Lemonade have returned -13.2% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial he ...

Core Insights - RLI Corp. reported second-quarter 2025 operating earnings of 84 cents per share, exceeding the Zacks Consensus Estimate by 12%, although this represents a 2.3% decrease from the prior-year quarter [1] Operational Performance - Operating revenues for the quarter were $441 million, reflecting a 6.9% year-over-year increase, driven by a 6% rise in net premiums earned and a 16% increase in net investment income, though it missed the Zacks Consensus Estimate by 0.5% [2] - Gross premiums written remained flat at $562.3 million, with performance improvements in the Casualty and Property segments offset by a decline in the Surety segment [2] - Net investment income rose 16% year over year to $39.4 million, aligning with estimates, while total expenses increased by 9.8% to $345.8 million due to higher loss and settlement expenses [3] Financial Update - Underwriting income decreased by 11.14% year over year to $62.2 million, with the combined ratio deteriorating by 300 basis points to 84.5, better than the Zacks Consensus Estimate of 88 [4] - RLI exited the quarter with total investments and cash of $4.4 billion, an 8.4% increase from the end of 2024, and book value rose 13.9% to $18.89 per share [4] - Net cash flow from operations increased by 23.2% year over year to $174.7 million [4] - The statutory surplus increased by 2.3% to $1.8 billion as of June 30, 2025, while return on equity was 23.5%, down 180 basis points from the previous year [5] Dividend Update - On June 20, 2025, RLI paid a dividend of 16 cents, an increase of 1 cent from the previous payout, with cumulative dividends exceeding $971 million over the last five years [6] Peer Performances - The Travelers Companies reported second-quarter 2025 core income of $6.51 per share, beating estimates by 83.8%, with total revenues increasing by 6.7% to $12.1 billion [9] - The Progressive Corporation's earnings per share of $4.88 exceeded estimates by 10.1%, with operating revenues rising 19.5% to $42.2 billion [10] - W.R. Berkley's operating income of $1.05 per share beat estimates, with operating revenues at $3.6 billion, up 7.9% year over year [11]

Core Insights - RLI Corp. reported first-quarter 2025 operating earnings of 92 cents per share, exceeding the Zacks Consensus Estimate by 4.5%, but down 9.2% from the prior-year quarter [1] - The quarterly results were influenced by higher premiums and improved investment income, which were offset by increased expenses and poor underwriting income [1] Operational Performance - Operating revenues for the quarter reached $436 million, reflecting a 10.7% year-over-year increase, driven by higher net premiums earned and net investment income, although it missed the Zacks Consensus Estimate by 0.9% [2] - Gross premiums written rose 5% year over year to $491 million, primarily due to strong performance in the Casualty segment, which increased by 13.5% [2] - Net investment income increased by 12% year over year to $36.7 million, falling short of the Zacks Consensus Estimate of $38.6 million [3] - Total expenses increased by 14.7% year over year to $332 million, mainly due to higher loss and settlement expenses and policy acquisition costs [3] Underwriting Performance - Underwriting income decreased by 9.3% year over year to $70.5 million, with the combined ratio deteriorating by 380 basis points to 82.3 [4] Dividend Update - On March 20, 2025, RLI paid a regular quarterly dividend of 15 cents per share, with cumulative dividends exceeding $967 million over the last five years [5] Peer Performance - The Travelers Companies reported first-quarter 2025 core income of $1.91 per share, beating the Zacks Consensus Estimate, but down 29.3% year over year [7] - Progressive Corporation's first-quarter 2025 earnings per share of $4.65 missed the Zacks Consensus Estimate, although it increased by 24.6% year over year [9] - W.R. Berkley Corporation's first-quarter 2025 operating income of $1.01 per share matched the Zacks Consensus Estimate, but declined 2.9% year over year [11]