Palomar Holdings, Inc. — Form 8-K
Filed August 10, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 62/100
What the filing says
Palomar Holdings reported Q2 2026 gross written premiums of $630.5M (+27% YoY) and adjusted net income of $63.8M (+31% YoY). The company raised full-year 2026 adjusted net income guidance to $270–280M (midpoint $275M, +27% vs. 2025's $216.1M), implying achievement of its 'Palomar 2X' goal (doubling ANI every 3–5 years) within two years. Key actions: completed reinsurance renewals securing $3.92B total earthquake limit; repurchased 368.7K shares for $41.0M; announced first quarterly dividend of $0.45/share; achieved 77% adjusted combined ratio with 26% adjusted ROE.
Why this rating
Guidance raise of ~27% is material relative to company scale (~$4B market cap). Execution streak (15 consecutive quarters beating consensus EPS) and trajectory toward 2X goal is strategically significant. Not transformational but demonstrates strong momentum, disciplined capital allocation, and operational control.
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