What is the 13F Pro Quality Score for PLMR?

13F Pro ranks Palomar Holdings, Inc. (PLMR) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PLMR's current score at https://13fpro.ai/company/PLMR (free sign-up required for the full ranking).

Where does 13F Pro source PLMR data?

All Palomar Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. Palomar Holdings, Inc. files with the SEC under CIK 1761312. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PLMR in?

Palomar Holdings, Inc. (PLMR) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives PLMR's revenue?

Per Palomar Holdings, Inc.'s latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Net earned premiums ($287.0M, +59.5% YoY); Net investment income ($20.0M, +49.2% YoY); Net realized and unrealized gains on investments ($6.8M, -18.7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/PLMR.

What are PLMR's largest expenses?

Palomar Holdings, Inc.'s latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses ($99.0M, +114.3% YoY); Acquisition expenses, net ($71.3M, +38.0% YoY); Other underwriting expenses ($69.4M, +52.5% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is PLMR research updated on 13F Pro?

PLMR's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Palomar Holdings, Inc.(PLMR)Stock Analysis

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13F Pro Quality Score

70.0/100

Rank #236 of 2,961 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

94.8/100

Profitability

72.2/100

Balance Sheet

74.0/100

Earnings Quality

80.2/100

Free Cash Flow

89.9/100

Institutional Flow

26.5/100

Revenue Scale

51.5/100

Dilution Risk

36.9/100

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Why PLMR Scores 70/100

exact factor attribution · 2026-09-11

PLMR's composite is driven by revenue growth and free cash flow, held back by institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.9 pts

95th pct

Free cash flow

+6.0 pts

90th pct

Profitability

+4.4 pts

72th pct

Capital efficiency

+3.2 pts

74th pct

Earnings quality

+3.0 pts

80th pct

Earnings growth

+2.5 pts

88th pct

Scale

+0.3 pts

52th pct

Shareholder dilution

-0.9 pts

37th pct

Institutional flow

-1.6 pts

27th pct

Latest change (2026-08-05): 78 → 74 · ↓ Earnings growth 85→73

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PLMR Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Palomar Holdings, Inc. (PLMR), a Financials sector company. 13F Pro's AI-powered ranking engine scores PLMR at 70.0/100 on a 32-signal composite quality model, placing it at rank #236 of 2,961 stocks — the top 10% of the AI-ranked universe. PLMR scores in the top quartile across revenue growth (94.8), free cash flow (89.9), earnings quality (80.2). Areas of concern include institutional flow (26.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 36.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Palomar Holdings, Inc. reports quarterly revenue of $314.4M, net income of $52.6M, an operating margin of 22.2%. Top institutional holders of PLMR by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. PLMR trades on the Nasdaq exchange and files with the SEC under CIK 1761312. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PLMR daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Palomar Holdings, Inc. directly from SEC EDGAR. Palomar Holdings, Inc.'s 13F Pro composite quality score has ranged between 47 and 78 since 2021, currently 70.0 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about Palomar Holdings, Inc.

Quirks, history, and lore behind PLMR — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. insurance company · small-cap · listed on Nasdaq · headquartered in Southern California.
2
The Numbers
Annual revenue in the low hundreds of millions, but it's grown fast — premium growth has consistently run at double-digit percentages year over year since going public.
3
The History
Founded around 2014 and went public in 2019, making it one of the newer publicly traded insurers — built from scratch rather than carved out of an old-line carrier.
4
The Secret
It doesn't do car or life insurance — it hyper-focuses on specialty property catastrophe coverage, the kind that kicks in when earthquakes and hurricanes come calling.
5
The Lore
Its name is borrowed from a famous California observatory perched on a mountain, which feels appropriate for a company keeping a very close eye on natural disaster risk.
6
The Giveaway
Named after the Palomar Mountain landmark near San Diego, it writes specialty catastrophe insurance — and its ticker is four letters that rhyme with a popular sports broadcast.

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What's Driving PLMR's Business? Latest 10-Q Breakdown

✓ 41/41 datapoints verified

AI-extracted from Palomar Holdings, Inc.'s 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenue reached $314.4M as net earned premiums rose 59.5% to $287.0M, but the loss ratio climbed to 34.5% from 25.7% and the combined ratio to 83.3%.

Biggest Revenue Drivers

Net earned premiums$287.0M+59.5% YoY

Earning of increased gross written premiums, partially offset by ceded premiums; retention of a higher percentage of Crop premiums and lower XOL pricing

Net investment income$20.0M+49.2% YoY

Higher average investment balance from investing operating cash flow and higher yields on invested assets

Biggest Revenue Drivers

Total revenue: $314.4M

Net earned premiums$287.0M+59.5% YoY

Earning of increased gross written premiums, partially offset by ceded premiums; retention of a higher percentage of Crop premiums and lower XOL pricing

Net investment income$20.0M+49.2% YoY

Higher average investment balance from investing operating cash flow and higher yields on invested assets

Net realized and unrealized gains on investments$6.8M-18.7% YoY

Primarily driven by unrealized gains on equity securities of $6.4M

Commission and other income$0.8M-54.1% YoY

Non-recurrence of a reimbursement arrangement that benefited the prior period

Largest Expense Items

Losses and loss adjustment expenses$99.0M+114.3% YoY

Higher attritional losses from premium growth in Casualty, Crop and Inland Marine and Property, plus higher Crop retention

Acquisition expenses, net$71.3M+38.0% YoY

Higher commissions and premium-related taxes on higher gross earned premiums

Other underwriting expenses$69.4M+52.5% YoY

Higher payroll, technology and stock-based compensation expenses associated with general growth

Interest expense$4.9M

Term Loan interest of $4.0 million following the January 2026 $300 million borrowing

Margins: Combined ratio rose to 83.3% from 78.8% as the loss ratio jumped to 34.5% from 25.7%, partly offset by an expense ratio improving to 48.8% from 53.1%.

Watch Items from the Filing

Loss ratio deteriorated to 34.5% from 25.7%; non-catastrophe losses rose 115.1% to $99.4M on higher attritional losses and higher retained Crop exposure.
Gray Surety, acquired January 2026 for approximately $314.0 million, contributed $21.6 million of revenue but a $4.6 million net loss in the quarter.
Distribution concentration: largest program administrator produced $207.6M (16.5% of gross written premiums) and second largest $164.5M (13.0%) for the six months.
California generated 25.6% of gross written premiums for the six months, concentrating catastrophe and regulatory exposure; catastrophe retention is $20 million per earthquake event.
New leverage and commitments: $295.8 million Term Loan outstanding with covenants, $164.3 million unfunded limited partnership commitments, and a first-ever dividend of approximately $12.2 million.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$314.4M

Net Income

Q2 2026

$52.6M

Free Cash Flow

Q2 2026

$166.8M

Operating Margin

Q2 2026

22.2%

ROIC

Q2 2026

21.9%

D/E Ratio

Q2 2026

0.30

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+58.2% YoY

$876.0MFY 2025

FY22 $327.1MFY23 $375.9MFY24 $553.9MFY25 $876.0M

Net Income

+67.6% YoY

$197.1MFY 2025

FY22 $52.2MFY23 $79.2MFY24 $117.6MFY25 $197.1M

EPS (Diluted)

+60.0% YoY

$7.17FY 2025

FY22 $2.02FY23 $3.13FY24 $4.48FY25 $7.17

Total Assets

+34.9% YoY

$3.05BFY 2025

FY22 $1.31BFY23 $1.71BFY24 $2.26BFY25 $3.05B

Total Debt

$0.00FY 2025

FY22 —FY23 —FY24 —FY25 $0.00

Op. Cash Flow

+56.7% YoY

$409.1MFY 2025

FY22 $169.6MFY23 $116.1MFY24 $261.2MFY25 $409.1M

Free Cash Flow

+56.8% YoY

$409.0MFY 2025

FY22 $169.3MFY23 $116.1MFY24 $260.9MFY25 $409.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$876.0M +58.2%	$553.9M +47.3%	$375.9M +14.9%	$327.1M +32.0%	$247.8M +47.1%	$168.5M
Net Income	$197.1M +67.6%	$117.6M +48.4%	$79.2M +51.8%	$52.2M +13.8%	$45.8M +632.7%	$6.3M
EPS (Diluted)	$7.17 +60.0%	$4.48 +43.1%	$3.13 +55.0%	$2.02 +14.8%	$1.76 +633.3%	$0.24
Total Assets	$3.05B +34.9%	$2.26B +32.4%	$1.71B +30.7%	$1.31B +41.1%	$925.7M +27.0%	$729.1M
Total Debt	$0.00	—	—	—	—	—
Operating Cash Flow	$409.1M +56.7%	$261.2M +124.9%	$116.1M -31.5%	$169.6M +93.1%	$87.8M +52.7%	$57.5M
Free Cash Flow	$409.0M +56.8%	$260.9M +124.7%	$116.1M -31.4%	$169.3M +92.8%	$87.8M +53.1%	$57.4M

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Available Research

13F Pro tracks comprehensive data for Palomar Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PLMR

BlackRock, Inc.
$556.3M4,401,832 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$156.1M1,234,699 sh
VANGUARD CAPITAL MANAGEMENT LLC
$150.7M1,192,254 sh
STATE STREET CORP
$141.9M1,122,717 sh
Jupiter Topco LLC
$132.2M1,045,459 sh
AMERICAN CENTURY COMPANIES INC
$97.0M767,319 sh
Stephens Investment Management Group LLC
$92.6M732,301 sh
GEODE CAPITAL MANAGEMENT, LLC
$90.5M715,901 sh
Sumitomo Mitsui Trust Holdings, Inc.
$90.1M713,127 sh
Hood River Capital Management LLC
$86.2M682,283 sh

Fund	Value	Shares
BlackRock, Inc.	$556.3M	4,401,832
VANGUARD PORTFOLIO MANAGEMENT LLC	$156.1M	1,234,699
VANGUARD CAPITAL MANAGEMENT LLC	$150.7M	1,192,254
STATE STREET CORP	$141.9M	1,122,717
Jupiter Topco LLC	$132.2M	1,045,459
AMERICAN CENTURY COMPANIES INC	$97.0M	767,319
Stephens Investment Management Group LLC	$92.6M	732,301
GEODE CAPITAL MANAGEMENT, LLC	$90.5M	715,901
Sumitomo Mitsui Trust Holdings, Inc.	$90.1M	713,127
Hood River Capital Management LLC	$86.2M	682,283

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Is PLMR a good stock to buy?

13F Pro's AI-powered analysis of Palomar Holdings, Inc. (PLMR) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PLMR are available on the PLMR stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. PLMR is classified as a mid company.

Which hedge funds own PLMR?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PLMR. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Palomar Holdings, Inc.'s investment landscape.