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Palomar
Palomar (PLMR) investor relations material
Palomar Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved record gross written premium and adjusted net income in 2025, with 32% and 62% year-over-year growth, respectively, and an adjusted ROE of 26%.
Exceeded initial full-year adjusted net income guidance, finishing at $216 million, and beat earnings every quarter, resulting in four upward revisions.
Net income for Q4 2025 rose 60.6% year-over-year to $56.2 million, with adjusted net income up 48.0% to $61.1 million.
Successfully executed four strategic imperatives, scaled new verticals, integrated acquisitions, and grew the team to over 500 professionals.
Notable acquisitions included Advanced Ag Protection and The Gray Casualty and Surety Company.
Financial highlights
Q4 adjusted net income was $61.1 million ($2.24/share), up 48% year-over-year; adjusted underwriting income rose 52%.
Q4 gross written premiums were $492.6 million, up 32%; net earned premiums were $233.5 million, up 61%.
Full-year gross written premium reached $2.03 billion (+32%), net earned premiums $802.6 million (+57%), and adjusted net income $216.1 million (+62%).
Full year 2025 underwriting income: $185.9 million (+66.1% YoY); adjusted underwriting income: $218.9 million (+63.2% YoY).
Net investment income for 2025 was $56 million, up 56% year-over-year.
Outlook and guidance
2026 adjusted net income guidance set at $260–$275 million, implying 24% growth at the midpoint and ROE above 20%.
Guidance includes $8–12 million in catastrophe losses and a 10% decrease in excess of loss property catastrophe reinsurance costs.
Loss ratio expected in the mid- to upper 30s for 2026; adjusted combined ratio projected in the mid-70s.
Crop premium expected to grow over 30% in 2026, with a long-term target of $1 billion.
What drove favorable cat loss development in 2025?
Discuss the strategic impact of product mix shifts
What factors drove the non-catastrophe loss ratio increase?
Crop retention strategy beyond 2026
Construction engineering practice scaling plan
Commercial quake competitive differentiation
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Next Palomar earnings date
Q1 20265 May, 2026
Palomar
Next Palomar earnings date
Q1 20265 May, 2026
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Frequently asked questions
Palomar Holdings Inc is a specialty insurance company offering property and catastrophe insurance products. The company serves residential and commercial clients with coverage for earthquakes, hurricanes, and other risks, primarily in the United States. The company is headquartered in La Jolla, California, and its shares are listed on the NASDAQ.
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