---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-001371"
form_type: "8-K"
ticker: "PLMR"
cik: "0001761312"
company_name: "Palomar Holdings, Inc."
filed_at: "2023-02-15T23:59:59+00:00"
generated_at: "2026-06-19T11:46:47.101379+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Palomar Q4 net income $18.8M ($0.73 EPS); GWP +59.5%; FY2023 guidance $86-90M adj. net income

## Summary
- Q4 adjusted net income $21.1M ($0.82 diluted EPS) vs $17.6M ($0.68) YoY.
- Gross written premiums rose 59.5% to $239.1M; combined ratio 75.5% (adj. 71.4%).
- Full year 2022 GWP $881.9M (+64.8%); net income $52.2M; adj. net income $71.3M.
- FY2023 guidance: adjusted net income $86M-$90M, implying ~23% growth and 21% adj. ROE.
- Repurchased 222,217 shares for $11.1M in Q4; $65.6M remaining under buyback.

## SEC filing metadata
- accession: 0001558370-23-001371
- form_type: 8-K
- ticker: PLMR
- cik: 0001761312
- company_name: Palomar Holdings, Inc.
- filed_at: 2023-02-15T23:59:59+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/1761312/000155837023001371/0001558370-23-001371-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1761312/000155837023001371/plmr-20230215x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-001371
- JSON: https://secwatch.observer/filing/0001558370-23-001371.json
- Plain text: https://secwatch.observer/filing/0001558370-23-001371.txt

## Key facts
- Earnings Releases
  Palomar Holdings, Inc. reported financial results for fourth quarter of 2022.
  - Period: fourth quarter of 2022
  - Result: reported results
  source text: On February 15, 2023, Palomar Holdings, Inc. (the "Company") issued a press release announcing its financial results for the fiscal quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1761312/000155837023001371/0001558370-23-001371-index.htm
- Earnings Releases
  Palomar Holdings, Inc. updated its Full year 2023 guidance (initiated).
  - Period: Full year 2023
  - Guidance: initiated
  - Result: guidance update
  source text: For the full year 2023, the Company expects to achieve adjusted net income of $86 million to $90 million.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1761312/000155837023001371/0001558370-23-001371-index.htm

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