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Palomar (PLMR) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

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Palomar (PLMR - Free Report) reported $195.01 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 48.8%. EPS of $1.76 for the same period compares to $1.25 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $186.21 million, representing a surprise of +4.72%. The company delivered an EPS surprise of +4.76%, with the consensus EPS estimate being $1.68.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Palomar performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Loss Ratio: 25.7% compared to the 28.1% average estimate based on six analysts.
  • Combined Ratio: 78.8% compared to the 77.8% average estimate based on five analysts.
  • Expense Ratio: 53.1% versus 49.4% estimated by five analysts on average.
  • Adjusted combined ratio: 73.1% compared to the 74.3% average estimate based on three analysts.
  • Revenues- Net investment income: $13.37 million versus $12.06 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +68% change.
  • Revenues- Commission and other income: $1.68 million versus the six-analyst average estimate of $0.81 million. The reported number represents a year-over-year change of +111.7%.
  • Revenues- Net earned premiums: $179.96 million versus $173.63 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +47.2% change.

View all Key Company Metrics for Palomar here>>>

Shares of Palomar have returned -12.2% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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