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Palomar
Palomar (PLMR) investor relations material
Palomar Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary23 Feb, 2026
Growth and profitability highlights
Achieved gross written premium of $2.03B in 2025, up 31.5% year-over-year, with adjusted net income of $216.1M, a 61.9% increase from 2024.
Adjusted return on equity reached 25.9% for 2025, with an adjusted combined ratio of 72.7%.
Fourth quarter 2025 saw gross written premium of $492.6M and adjusted net income of $61.1M, both showing strong year-over-year growth.
Diversified specialty insurance portfolio with non-earthquake premiums now representing 72% of the mix.
Closed the Gray Surety acquisition, adding scale and diversification to the Surety & Credit segment.
Product and portfolio diversification
Five core product categories: Earthquake, Casualty, Inland Marine & Property, Crop, and Surety & Credit, each contributing to balanced growth.
Surety & Credit, including Gray Surety, represented about 7% of 2025 GWP and is expected to be a key growth driver.
Crop segment exceeded targets with $248M GWP and is positioned for over 30% growth in 2026.
Business mix shift has preserved strong margins and profitability, with 14 consecutive quarters of results beating consensus.
Conservative approach in casualty with disciplined reserving and limited auto exposure.
Risk management and reinsurance
Comprehensive reinsurance strategy utilizes facultative, quota share, excess of loss, and catastrophe bonds to manage risk and support growth.
Earthquake reinsurance program provides $3.5B in coverage with $1.15B via catastrophe bonds, maintaining a $20M occurrence retention.
All perils excluding earthquake have separate reinsurance towers, with reduced per occurrence retention to $11M.
Recent reinsurance renewals executed at improved terms, with ongoing softening in the property cat reinsurance market expected through 2026.
How does softening reinsurance market impact margins?
Explain casualty IBNR impact on earnings stability.
Detail planned investment portfolio risk adjustments.
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Next Palomar earnings date
47th Annual Raymond James Institutional Investor Conference2 Mar, 2026
Palomar
Next Palomar earnings date
47th Annual Raymond James Institutional Investor Conference2 Mar, 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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