---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-029760"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2023-11-01T23:59:59+00:00"
generated_at: "2026-06-09T03:01:21.811896+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Palomar Q3 net income $18.4M ($0.73/dil), adjusted EPS $0.92 vs $0.36 YoY

## Summary
- Gross written premiums +24% to $314.0M; adjusted net income $23.3M (+153% YoY).
- Combined ratio improved to 75.8% (Q3 2022: 94.8%); adjusted combined ratio 70.9%.
- Annualized adjusted ROE 22.3% (Q3 2022: 9.9%); net investment income +61% to $6.0M.
- FY 2023 adjusted net income guidance $90-93M; repurchased $6.6M of shares in Q3.

## SEC filing metadata
- accession: 0001437749-23-029760
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2023-11-01T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1761312/000143774923029760/0001437749-23-029760-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000143774923029760/plmr20230816_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-029760
- JSON: https://secwatch.observer/filing/0001437749-23-029760.json
- Plain text: https://secwatch.observer/filing/0001437749-23-029760.txt

## Key facts
- Earnings Releases
  Palomar Holdings, Inc. reported third quarter of 2023 results: net income $18.4 million, EPS $0.73 per diluted share. Guidance initiated.
  - Period: third quarter of 2023
  - Net income: $18.4 million
  - EPS: $0.73 per diluted share
  - Guidance: initiated
  - Result: reported results
  source text: Palomar Holdings, Inc. (NASDAQ:PLMR) (“Palomar” or “Company”) reported net income of $18.4 million, or $0.73 per diluted share, for the third quarter of 2023 compared to net income of $4.3 million, or $0.17 per diluted share, for the third quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1761312/000143774923029760/0001437749-23-029760-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.