---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-21-014308"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2021-11-03T23:59:59+00:00"
generated_at: "2026-06-28T14:26:54.958554+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Palomar Q3 net income $0.2M, premiums +48%; guides Q4 adj net $17-18.5M

## Summary
- Net income $0.2M ($0.01 diluted EPS) vs loss $15.7M ($0.62 loss) in Q3 2020.
- Gross written premiums up 47.9% to $152.3M; net earned premiums up 54%.
- Catastrophe loss ratio improved to 27.0% from 86.9%; combined ratio 102.8% (vs 157.1%).
- Q4 2021 guidance: adjusted net income $17.0M-$18.5M excluding catastrophe losses.
- Launched PLMR-FRONT fronting initiative; $15.8M in share repurchases YTD.

## SEC filing metadata
- accession: 0001558370-21-014308
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2021-11-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1761312/000155837021014308/0001558370-21-014308-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000155837021014308/plmr-20211103x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-21-014308
- JSON: https://secwatch.observer/filing/0001558370-21-014308.json
- Plain text: https://secwatch.observer/filing/0001558370-21-014308.txt

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