Palomar Holdings, Inc. PLMR
We are a specialty insurance company that provides property and casualty insurance products to individuals and businesses. 10-K, Item 1
- Headquarters
- La Jolla, CA
- CEO
- Mac Armstrong
- Next results
- around Feb 10, 2027
PLMR among Financials peers
Six ratios from the latest 10-K. Each corner is the share of 241 peers the company is above, not a score.
What changed
16 new risk paragraphs. 10-K filed Feb 24, 2026 against Feb 25, 2025.
Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.
Accounting checks
8 checks on the latest 10-K. Checks, not verdicts.
0facts worth reading about all 8 checks found nothing to note
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Same auditor in both 10-Ks: Ernst & Young LLP
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No statement of substantial doubt about going concern
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No 8-K item 4.02 in the last 2 years
5 more checks with nothing to note
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No NT 10-K or NT 10-Q in the last 2 years
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The same matters as last year: Valuation of Reserve for Losses and Loss Adjustment Expenses
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No sentence in the 10-K concludes that controls were not effective because of a material weakness
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No 8-K item 2.06 in the last 2 years
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No 8-K item 1.03 in the last 2 years
In their words
16 paragraphs in Risk Factors that were not in the 10-K filed Feb 25, 2025. Quoted as filed.
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Participants in the insurance industry use ratings from independent ratings agencies, such as A.M. Best, as an important means of assessing the financial strength and creditworthiness of insurers. In setting its ratings, A.M. Best performs quantitative and qualitative analysis of a company’s balance sheet strength, operating performance…
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Competition for business in our industry is intense, which may result in pricing pressure, reduced underwriting margins, or changes in market share.
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Instability in the surety market, resulting from construction defaults, contractual disputes, or evolving regulatory requirements, could negatively impact the performance of our surety products; Fluctuations in construction industry performance, defaults on bonded projects, contractual disagreements and regulatory changes are inherent…
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Changes in global trade policies, including the imposition of tariffs, along with broader economic uncertainty, could contribute to financial market volatility, interest rate fluctuations, and disruptions to the sectors we insure. Ongoing global economic uncertainty, including the effects of inflation, interest rate volatility, and…
New risk paragraphs, against peers
Latest 10-K of each, Financials companies closest in revenue
Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.
Financial performance
Last 4 fiscal years · 10-K XBRL
| Metric | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | $327.1M | $375.9M | $553.9M | $876.0M |
| Net income | $52.2M | $79.2M | $117.6M | $197.1M |
| Operating cash flow | $169.6M | $116.1M | $261.2M | $409.1M |
| Free cash flow | $169.3M | $116.1M | $260.9M | $409.0M |
Revenue, FY2017 to FY2025
Ten fiscal years, each from its own 10-K · XBRL · USD
$876.0M ▲ 58.2% in FY2025$197.1M ▲ 67.6% in FY2025$409.0M ▲ 56.8% in FY2025
Recent filings
7 filings in the last 30 days · SEC EDGAR
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8-KNov 12, 2026Regulation FD disclosure 8-K item 7.01
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Planned saleNov 6, 2026Angela Grant (Chief Legal Officer) adopted a 10b5-1 trading plan reported in the 10-Q, up to 1,848 shares, runs to May 31, 2027
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Planned saleNov 6, 2026Christopher Uchida (Chief Financial Officer) adopted a 10b5-1 trading plan reported in the 10-Q, up to 9,827 shares, runs to May 31, 2027
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Planned saleNov 6, 2026Jon Christianson (President) adopted a 10b5-1 trading plan reported in the 10-Q, up to 12,000 shares, runs to May 31, 2027
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10-QNov 6, 2026Quarterly report (10-Q) period ended Sep 30, 2026
About the company
Palomar Holdings, Inc., La Jolla, CA · from the 10-K filed Feb 24, 2026
We are a specialty insurance company that provides property and casualty insurance products to individuals and businesses. We leverage underwriting expertise and data-driven analytics to offer innovative solutions in five product categories: Earthquake, Casualty, Inland Marine and Other Property, Crop, and Fronting. We offer coverage in both the admitted and excess and surplus lines (“E&S”) markets, utilizing proprietary data analytics and a technology-enabled platform to support customized underwriting and pricing.
- Headquarters
- La Jolla, CA
- Country
- United States
- Reports in
- USD
- Listed on
- Nasdaq
- Fiscal year ends
- December 31
- Last results
- Nov 4, 2026
- Incorporated in
- DE
Email alerts
Sources
The 10-K filed Feb 24, 2026 (open at SEC), compared with the 10-K filed Feb 25, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.
Work with it: Excel workbook · CSV. Google Sheet that stays up to date: paste =IMPORTDATA("https://tickdelta.com/company/PLMR/export.csv") into a cell.