---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-001279"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2022-02-16T23:59:59+00:00"
generated_at: "2026-06-27T07:35:51.863933+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Palomar Q4 net income $16.6M vs prior-year loss; gross premiums +56%; FY22 adj net income guide $80-85M

## Summary
- Q4 net income $16.6M ($0.64 diluted EPS) vs net loss $1.8M ($0.07 loss) in Q4 2020.
- Q4 gross written premiums +56% to $149.9M; full year +51% to $535.2M.
- Q4 combined ratio improved to 75.0% from 112.8%; adjusted combined ratio 70.7%.
- FY2022 adjusted net income guidance of $80-85 million.
- PESIC (E&S subsidiary) wrote $152.1M premium in first full year; exited at >$200M annual run rate.

## SEC filing metadata
- accession: 0001558370-22-001279
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2022-02-16T23:59:59+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/1761312/000155837022001279/0001558370-22-001279-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000155837022001279/plmr-20220216x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-001279
- JSON: https://secwatch.observer/filing/0001558370-22-001279.json
- Plain text: https://secwatch.observer/filing/0001558370-22-001279.txt

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