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Stock Ratings / Financials / PLMR / earnings
LMND (21) SLDE (84) NMIH (73) AGO (54) ⌘ Pro Terminal →

Palomar Holdings Inc. (PLMR) Next Earnings Date & Expected ±6.2% Move

$145.02 +3.35% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $146.24

Palomar Holdings Inc. (PLMR) earns a Roarable Rating of B+ (Buy) with 77/100 RQD Confidence. High-quality cash engine (steady margins, 21% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B+ • BUY Cap $3.69B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PLMR Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PLMR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Palomar Holdings Inc. (NASDAQ: PLMR) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $145.02 (+3.35% 1D, market cap $3.69B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, PLMR ranks #21 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PLMR compare to LMND and SLDE in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), PLMR carries a Roarable B+ (77/100 RQD), trailing P/E of 18.3x, gross margin of —, and ROIC of 20.9%. By comparison, LMND (Lemonade Inc.) holds a E grade (21/100 RQD, P/E N/A, ROIC -31.1%, cap $3.32B) and SLDE (Slide Insurance Holdings Inc.) posts a A- grade (84/100 RQD, P/E 7.2x, ROIC 39.9%, cap $3.25B). Among the 5-stock peer group, AGO leads on earnings multiple (6.2x) while SLDE leads on capital efficiency (39.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PLMR?
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Per PLMR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001761312), Palomar Holdings Inc. generated $876.0M in revenue (+58.2% YoY), $197.1M in net income, and $409.0M in free cash flow against $3.05B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $146.24 (+0.84%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 17/20 (A-) • 46.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 77/100 (B+) historically ranked in the Top 10% of excess returns over the next 90 days (+7.8% avg 90D alpha vs SPY • 70.3% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B+
025507510077
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw A- · Rk C+
Cash (17)Whales (15)SEC (13)Macro (14)CEO (18)
Each axis scored 0–20
12M PRICE TARGET CONE+8.6% Base Target
$186 Bull$157 Base$119 Bear
📬 FREE PLMR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PLMR)Realized 20D OHLCV Swing Band: ±6.2%
Deterministic 5-Pillar Attribution (77/100 Composite)
🔍 WHY PLMR SCORES 77/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+17/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 46.7% FCF Margin ($409.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
69
Grade B-$133.43+5.3% Next Q
Q2 (-2Q)
72
Grade B$140.53-4.6% Next Q
Q3 (-1Q)
74
Grade B+$134.06+8.2% Next Q
Current
77
Grade B+$145.02+7.8% Hist 90D α
Trajectory: B- (69) → B+ (77)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PLMR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 77/100 (B+) score, PLMR faces multiple-compression risk if 18.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($133.55) or 200D SMA ($126.39) invalidates the momentum regime and cuts Target Base ($157.42) toward Bear Floor ($118.92).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PLMR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PLMR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 77%NO 23%Trade / Inspect Odds →
NEXT EST. WINDOW: Dec 30, 2026 (~56 DAYS)

Historical OHLCV Volatility ±6.2% Swing Band

±$8.99 Expected Swing
$136.03 (-6.2%)Spot $145.02$154.01 (+6.2%)
MODEL EARNINGS SETUP GAUGE

PLMR Quantitative Pre-Earnings Setup: 77/100

Trailing EPS: $7.49 • YoY Revenue Growth: 58.2%

Model Bullish Setup (77/100)Model Risk Weight (23/100)
Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).
LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

PeriodFiledRevenueNet ProfitFree Cash FlowGross Margin
FY 20252025-12-31$876.0M$197.1M$409.0M52%
FY 20242024-12-31$553.9M$117.6M$260.9M52%
FY 20232023-12-31$375.9M$79.2M$116.1M52%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PLMR & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on PLMR
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PLMR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.50%⚡ TESTING RESISTANCE
2026-11-03O $137.2H $145.0L $137.2C $145.0VOL 136.8K
RES: $144.9SUP: $116.2SMA50: $133.6SMA200: $126.4
$150.9$137.3$123.7$110.2$96.60RES $144.9SUP $116.2$145.02026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PLMR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PLMR Butterfly Map → + Track PLMR →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
11.5%/yr Implied 5Y Growth

vs. +58.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PLMR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PLMR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PLMR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PLMR)

Financials Rank #21 of 1097 ⚔️ LMND vs PLMR Full Matrix →

1. Head-to-Head Financials Peer Comparison (PLMR vs. LMND, SLDE, NMIH, AGO)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Palomar Holdings Inc. (PLMR) ranks #21 by composite RQD confidence (77/100, grade B+) and #323 by equity capitalization ($3.69B). Within this direct 5-issuer industry benchmark cohort, AGO leads on earnings valuation at 6.2x trailing P/E, while SLDE leads on capital efficiency and profitability with 39.9% ROIC and — gross margin. SLDE currently holds the highest overall quantitative score in the immediate peer group at 84/100 (A-) compared with PLMR at 77/100 (B+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PLMR ACTIVE
Palomar Holdings Inc.
B+ 77/100 18.3x — 20.9% +3.35% $3.69B Benchmark Subject
LMND
Lemonade Inc.
E 21/100 — — -31.1% -4.07% $3.32B /lmnd-vs-plmr →
SLDE
Slide Insurance Holdings Inc.
A- 84/100 7.2x — 39.9% -0.72% $3.25B /slde-vs-plmr →
NMIH
NMI Holdings Inc.
B 73/100 8.4x — 15.0% +1.76% $3.21B /nmih-vs-plmr →
AGO
Assured Guaranty Ltd.
D+ 54/100 6.2x — 8.9% +2.06% $3.10B /ago-vs-plmr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001761312 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Palomar Holdings Inc. (PLMR) reported GAAP revenue of $876.0M (+58.2% vs. FY2024 revenue of $553.9M , and +133.0% cumulative change since FY2023) , GAAP net income of $197.1M, operating cash flow of $409.1M, and free cash flow of $409.0M (+56.8% YoY). On the balance sheet, PLMR closed FY2025 with $3.05B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $876.0M $197.1M $409.1M $409.0M $3.05B —
FY2024 (FY) 2024-12-31 $553.9M $117.6M $261.2M $260.9M $2.26B —
FY2023 (FY) 2023-12-31 $375.9M $79.2M $116.1M $116.1M — —

3. PLMR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PLMR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Palomar Holdings Inc. (NASDAQ: PLMR) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 77/100 at a spot price of $145.02 (+3.35% 1D, market cap $3.69B). Pillar breakdown: Fundamental Cash Engine 17/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 18/20. Across 1097 tracked Financials issuers, PLMR ranks #21 in composite RQD confidence.

How does PLMR compare to LMND and SLDE in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), PLMR carries a Roarable B+ (77/100 RQD), trailing P/E of 18.3x, gross margin of —, and ROIC of 20.9%. By comparison, LMND (Lemonade Inc.) holds a E grade (21/100 RQD, P/E N/A, ROIC -31.1%, cap $3.32B) and SLDE (Slide Insurance Holdings Inc.) posts a A- grade (84/100 RQD, P/E 7.2x, ROIC 39.9%, cap $3.25B). Among the 5-stock peer group, AGO leads on earnings multiple (6.2x) while SLDE leads on capital efficiency (39.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PLMR?

Per PLMR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001761312), Palomar Holdings Inc. generated $876.0M in revenue (+58.2% YoY), $197.1M in net income, and $409.0M in free cash flow against $3.05B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PLMR trading relative to its 50-day, 200-day, and 52-week technical levels?

PLMR last traded at $145.02 (+3.35% on volume of 227,334 shares), positioning the stock +8.59% above its 50-day simple moving average ($133.55) and +14.74% above its 200-day simple moving average ($126.39). Across its 52-week range of $100.81 to $147.62, PLMR sits at the 94.4% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.2% ($136.03 to $154.01).

Direct Sub-Reports: PLMR RQD Cockpit PLMR 12M Forecast PLMR Earnings & Move PLMR Dividends & DRIP PLMR Insiders & 13F PLMR Whale Options PLMR Profit Sankey PLMR News & Why
ROARABLE RATING BRIEF • RQD 77/100 (B+) ✓ SEC XBRL & RQD VERIFIED

PLMR — Palomar Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Palomar Holdings Inc. (PLMR) earns a live Roarable RQD composite score of 77/100, corresponding to a B+ letter grade (Roarable Buy) at a spot price of $145.02 (+3.35% 1D, market capitalization $3.69B).

  • Fundamental Cash Engine (17/20): Anchored by return on invested capital (ROIC) of 20.9%, gross margin of —, operating margin of —, and free cash flow yield of 11.33%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (18/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Palomar Holdings Inc. (PLMR) is a NASDAQ-listed issuer in the Financials sector, operating within the Property-Casualty Insurers industry (per the company profile).

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Palomar Holdings Inc. (PLMR) reported $876.0M in annual revenue (up from $553.9M in FY2024, +58.2% YoY) and $197.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($375.9M revenue, $79.2M net income) through FY2025, PLMR scaled operating cash flow to $409.1M and free cash flow to $409.0M, backed by $3.05B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B+ • RQD 77/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Big institutional funds and options desks are actively positioning on the bullish side. With Fundamental Cash Engine at 17/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $100.81 – $147.62 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 18.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply_chain is NONE and butterfly_links is empty. — for upstream or downstream dependencies. Sector correlations and 2nd-order bottlenecks are not provided by the source. The one sector-level reference in the news wire, the Q2 Property & Casualty Insurance comparison, indicates PLMR is being discussed alongside peers, but the source does not quantify those correlations.

  • Key Question #1: Can PLMR sustain or expand its — operating margin and 20.9% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $876.0M and free cash flow of $409.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PLMR's 15.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PLMR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Palomar Holdings Inc. (PLMR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PLMR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PLMR Bull vs. Bear Conversation Board — What's Your Call at $145.02?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PLMR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PLMR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $174.00 (+24.0%)
📌 Pinned Debate

ROIC of 20.9% and an FCF yield of 11.33% indicate strong cash generation relative to the company's market value.

Here is why I am bullish on PLMR here at $140.32: ROIC of 20.9% and an FCF yield of 11.33% indicate strong cash generation relative to the company's market value.. Compare PLMR's 0.0% operating margin and 20.9% ROIC against the rest of Property-Casualty Insurers. As long as cash conversion holds up, dips toward $133.30 are getting bought.

CapAlloc_Nerd 🐂 BULL

@BreakoutHunter Agree on the RQD 77/100 quality, though with 1.0 beta I'm scaling in with half-size at $140.32 and keeping dry powder in case we test $130.50.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $106.64 (-24.0%)
Spot @ $140.32

A Seeking Alpha headline argues the valuation bargain disappears once add-backs are stripped out.

Sitting on the sidelines or leaning short PLMR above $140.32. A Seeking Alpha headline argues the valuation bargain disappears once add-backs are stripped out.. Until Fundamental Cash Engine (17/20) and FCF yield (11.33%) inflect higher, upside is capped near $147.62.

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