---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-016002"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2022-11-02T23:59:59+00:00"
generated_at: "2026-06-22T14:53:19.585203+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Palomar Q3 adjusted net income $0.29/share, premiums up 66%; guides FY adjusted net income $82-85M

## Summary
- Net income $4.3M ($0.17 diluted) vs $0.2M prior year; adjusted net income $7.4M ($0.29 diluted).
- Gross written premiums $253.1M (+66.2% YoY); combined ratio 94.8% improved from 102.8%.
- Hurricane Ian catastrophe losses $12.5M; management says prior underwriting actions reduced exposure.
- Full year 2022 adjusted net income guidance $82-85M, including additional reinsurance costs from Ian.
- Repurchased 52,185 shares for $3.0M; $76.7M remains under $100M authorization.

## SEC filing metadata
- accession: 0001558370-22-016002
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2022-11-02T23:59:59+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/1761312/000155837022016002/0001558370-22-016002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000155837022016002/plmr-20221102x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-016002
- JSON: https://secwatch.observer/filing/0001558370-22-016002.json
- Plain text: https://secwatch.observer/filing/0001558370-22-016002.txt

## Key facts
- Earnings Releases
  Palomar Holdings, Inc. reported the fiscal quarter ended September 30, 2022 results: net income $4.3 million, EPS $0.17 per diluted share.
  - Period: the fiscal quarter ended September 30, 2022
  - Net income: $4.3 million
  - EPS: $0.17 per diluted share
  - Result: reported results
  source text: Palomar Holdings, Inc. Reports Third Quarter 2022 Results ​ LA JOLLA, Calif. (November 2, 2022) — Palomar Holdings, Inc. (NASDAQ:PLMR) (“Palomar” or “Company”) reported net income of $4.3 million, or $0.17 per diluted share, for the third quarter of 2022 compared to $0.2 million, or $0.01 per diluted share, for the third quarter of 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1761312/000155837022016002/0001558370-22-016002-index.htm

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