---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-033137"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2024-11-04T23:59:59+00:00"
generated_at: "2026-05-30T06:13:04.886371+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Palomar Q3 adjusted EPS $1.23, premiums up 32%; guides FY adj net income $124-128M

## Summary
- Net income $30.5M ($1.15 diluted EPS) vs $18.4M ($0.73) a year ago; adjusted net income $32.4M ($1.23).
- Gross written premiums $415.0M, up 32.2% YoY; same-store premium growth 38%.
- Combined ratio 80.5%, adjusted combined ratio 77.1%; catastrophe loss ratio 9.5% from Hurricanes Beryl, Debby, Helene.
- Full-year 2024 adjusted net income guidance $124-128M, includes ~$8M Hurricane Milton losses.
- Raised $116M in August; acquiring First Indemnity of America to enter surety market.

## SEC filing metadata
- accession: 0001437749-24-033137
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2024-11-04T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1761312/000143774924033137/0001437749-24-033137-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000143774924033137/plmr20240825_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-033137
- JSON: https://secwatch.observer/filing/0001437749-24-033137.json
- Plain text: https://secwatch.observer/filing/0001437749-24-033137.txt

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