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Palomar Holdings (PLMR) guidance and outlook

Palomar Holdings (PLMR) raised its guidance on Nov 4, 2026: Net income $280M–$285M for FY2026. Palomar Holdings' 10-Q filed Nov 6, 2026 makes 60 forward-looking statements.

Guidance and outlook

Latest guidance

From the earnings release filed Nov 4, 2026 (8-K on EDGAR).

Forward-looking statements, 10-Q filed Nov 6, 2026

• We define adjusted underwriting income as underwriting income excluding the impact of certain items that may not be indicative of underlying business trends, operating results, or future outlook.
• We define adjusted net income as net income excluding the impact of certain items that may not be indicative of underlying business trends, operating results, or future outlook, net of tax impact.
• We define adjusted combined ratio as the sum of the loss ratio and the expense ratio calculated excluding the impact of certain items that may not be indicative of underlying business trends, operating results, or future outlook.
• We believe that we will generate sufficient cash flows from operations to satisfy our liquidity requirements for at least the next 12 months and beyond.
• The declaration and payment of any future dividends will be at the discretion of our Board of Directors and will be subject to the restrictions described under “Sources and Uses of Funds” above and in Note 13 to the condensed consolidated financial statements included in Part I, Item 1 of this Quarterly Report.
• We currently purchase reinsurance from over 100 reinsurers, who either have an “A−” (Excellent) (Outlook Stable) or better financial strength rating by A.M.
• Our reinsurance contracts include special termination provisions that allow us to cancel and replace any participating reinsurer that is downgraded below a rating of “A−” (Excellent) (Outlook Stable) from A.M.
• Critical accounting estimates are defined as those estimates that are both important to the portrayal of our financial condition and results of operations and require us to exercise significant judgment.
• As permitted by SEC staff guidance, we expect to exclude PCSC from management’s annual assessment of internal control over financial reporting as of December 31, 2026.
• We believe that the outcome of such matters, individually and in the aggregate, will not have a material adverse effect on our consolidated financial position, results of operations, or cash flows.
• Claims arising from unpredictable and severe catastrophe events, including those caused by global climate change, could reduce or eliminate our earnings and stockholders’ equity, particularly if such events occur with greater frequency or severity than historical experience, and could limit our ability to underwrite new insurance policies;
• We rely on a select group of brokers and program administrators, and such relationships may not continue or may not perform as expected;

Palomar Holdings' latest quarter

Questions

Did Palomar Holdings raise or lower its guidance?

Palomar Holdings (PLMR) raised its guidance on Nov 4, 2026: Net income $280M–$285M for FY2026.

What does Palomar Holdings expect?

We define adjusted underwriting income as underwriting income excluding the impact of certain items that may not be indicative of underlying business trends, operating results, or future outlook. We define adjusted net income as net income excluding the impact of certain items that may not be indicative of underlying business trends, operating results, or future outlook, net of tax impact. We define adjusted combined ratio as the sum of the loss ratio and the expense ratio calculated excluding the impact of certain items that may not be indicative of underlying business trends, operating resul

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.