For the quarter ended September 2025, Palomar (PLMR) reported revenue of $241.17 million, up 65.4% over the same period last year. EPS came in at $2.01, compared to $1.23 in the year-ago quarter.
The reported revenue represents a surprise of +6.66% over the Zacks Consensus Estimate of $226.11 million. With the consensus EPS estimate being $1.60, the EPS surprise was +25.63%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 32.3% versus the five-analyst average estimate of 37.9%.
- Combined Ratio: 78.1% versus the four-analyst average estimate of 83.3%.
- Expense Ratio: 45.8% compared to the 44.1% average estimate based on four analysts.
- Adjusted combined ratio: 74.8% versus the two-analyst average estimate of 79.8%.
- Revenues- Net investment income: $14.57 million versus $13.59 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +54.9% change.
- Revenues- Net earned premiums: $225.15 million versus the five-analyst average estimate of $211.64 million. The reported number represents a year-over-year change of +66%.
- Revenues- Commission and other income: $1.45 million versus the five-analyst average estimate of $1.08 million. The reported number represents a year-over-year change of +102.5%.
- Revenues- Net realized and unrealized gains (losses) on investments: $3.49 million versus the two-analyst average estimate of $5.88 million.
View all Key Company Metrics for Palomar here>>>
Shares of Palomar have returned -1.9% over the past month versus the Zacks S&P 500 composite's +1.3% 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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Palomar Holdings, Inc. (PLMR): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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