{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-004161","form_type":"8-K","ticker":"PLMR","cik":"0001761312","company_name":"Palomar Holdings, Inc.","filed_at":"2024-02-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.437612+00:00","generated_at":"2026-06-06T02:30:21.154066+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Palomar Q4 adj EPS $1.11, gross premiums +26.8%; guides FY24 adj net income $110-115M","bullets":["Q4 2023 net income $25.9M ($1.02 diluted EPS); adjusted net income $28.0M ($1.11 diluted EPS), up from $0.82 adjusted EPS in Q4 2022.","Gross written premiums +26.8% to $303.2M; combined ratio improved to 74.2% (adjusted 68.8%) from 75.5% (adjusted 71.4%).","Full-year 2023 adjusted net income $93.5M (vs $71.3M in 2022); return on equity 18.5% (adjusted 21.9%).","Guides FY2024 adjusted net income $110-115M, including ~$3.5M estimated loss from California flooding.","Net investment income +58.9% to $7.0M; cash & invested assets $741.4M at Dec 31, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-004161","json":"https://secwatch.observer/filing/0001437749-24-004161.json","markdown":"https://secwatch.observer/filing/0001437749-24-004161.md","text":"https://secwatch.observer/filing/0001437749-24-004161.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1761312/000143774924004161/0001437749-24-004161-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1761312/000143774924004161/plmr20231206_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T02:30:21.154066+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"2fc8ca3557a0ed263be6b6aed16061da867c6a65","claim":"Palomar Holdings, Inc. updated its full year 2024 guidance (initiated).","evidence_excerpt":"Full Year 2024 Outlook For the full year 2024, the Company expects to achieve adjusted net income of $110 million to $115 million.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1761312/000143774924004161/0001437749-24-004161-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full year 2024"},{"label":"Guidance","value":"initiated"},{"label":"Result","value":"guidance update"}],"fact_type":"earnings_release"},{"claim_id":"4c9c5cc86867398a7d0d31a4dc54a2d655aad893","claim":"Palomar Holdings, Inc. reported full year 2023 results: net income $79.2 million. Guidance initiated.","evidence_excerpt":"Full Year 2023 Highlights ● Gross written premiums increased by 29.4% to $1.1 billion compared to $881.9 million in 2022 ● Net income of $79.2 million compared to $52.2 million in 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1761312/000143774924004161/0001437749-24-004161-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full year 2023"},{"label":"Net income","value":"$79.2 million"},{"label":"Guidance","value":"initiated"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"cae4fac9d25dec8c7fd7e64cd21a47fc190c76dd","claim":"Palomar Holdings, Inc. reported fourth quarter of 2023 results: net income $25.9 million, EPS $1.02 per diluted share. Guidance initiated.","evidence_excerpt":"Palomar Holdings, Inc. Reports Fourth Quarter & Full Year 2023 Results LA JOLLA, Calif. ( February 14, 2024 ) — Palomar Holdings, Inc. (NASDAQ:PLMR) (“Palomar” or “Company”) reported net income of $25.9 million, or $1.02 per diluted share, for the fourth quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1761312/000143774924004161/0001437749-24-004161-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter of 2023"},{"label":"Net income","value":"$25.9 million"},{"label":"EPS","value":"$1.02 per diluted share"},{"label":"Guidance","value":"initiated"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}