PLMRHIGH SIGNALFINANCIAL10-K

PLMR delivered exceptional growth with net income surging 68% to $197M while gross written premiums reached $2.0B, representing a 55% compound annual growth rate since inception.

The company demonstrates remarkable scaling efficiency with revenue growing 58% while operating cash flow expanded 57%, indicating strong underlying business momentum. The updated language emphasizes their data-driven analytics platform and expanded product portfolio, suggesting strategic positioning for continued market share gains in specialty insurance markets.

Comparing 2026-02-24 vs 2025-02-25View on EDGAR →
FINANCIAL ANALYSIS

PLMR showed explosive growth across all key metrics with revenue jumping 58% to $876M, net income soaring 68% to $197M, and operating cash flow increasing 57% to $409M. Total assets grew 35% to $3.1B while stockholders' equity expanded 29% to $943M, demonstrating strong balance sheet expansion to support growth. The significant improvement in interest expense (down 66%) combined with robust profitability metrics signals exceptional operational leverage and financial discipline during this high-growth phase.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+67.6%
$117.6M$197.1M

Net income grew 67.6% — bottom-line growth signals improving overall business health.

Interest Expense
P&L
-65.6%
$1.1M$392K

Interest expense declined — debt repayment or refinancing at lower rates improving earnings quality.

Revenue
P&L
+58.2%
$553.9M$876.0M

Strong top-line growth of 58.2% — accelerating demand or successful expansion into new markets.

Operating Cash Flow
Cash Flow
+56.7%
$261.2M$409.1M

Operating cash flow surged 56.7% — exceptional cash generation, highest quality earnings signal.

Capital Expenditure
Cash Flow
-43.6%
$243K$137K

Capex reduced 43.6% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Total Liabilities
Balance Sheet
+37.5%
$1.5B$2.1B

Liabilities grew 37.5% — significant increase in debt or obligations, assess impact on financial flexibility.

Total Assets
Balance Sheet
+34.9%
$2.3B$3.1B

Asset base grew 34.9% — expansion through organic growth, acquisitions, or capital deployment.

Cash & Equivalents
Balance Sheet
+32.9%
$80.4M$106.9M

Cash position surged 32.9% — strong cash generation or capital raise providing significant financial cushion.

Stockholders Equity
Balance Sheet
+29.3%
$729.0M$942.7M

Equity base grew 29.3% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-02-25
ADDED
We leverage underwriting expertise and data-driven analytics to offer innovative solutions in five product categories: Earthquake, Casualty, Inland Marine and Other Property, Crop, and Fronting.
We offer coverage in both the admitted and excess and surplus lines ( E S ) markets, utilizing proprietary data analytics and a technology-enabled platform to support customized underwriting and pricing.
Our insurance company subsidiaries, Palomar Specialty Insurance Company ( PSIC ), Palomar Excess and Surplus Insurance Company ( PESIC ), and First Indemnity of America Insurance Co.
Our management team combines decades of insurance industry experience across specialty underwriting, reinsurance, program administration, distribution, analytics, and claims.
We have organically increased gross written premiums from $16.6 million in our first year of operations to $2.0 billion for the year ended December 31, 2025, which reflects a compound annual growth rate of approximately 55%.
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REMOVED
These are primarily associated with larger recoveries from catastrophe events in earlier years of operation.
Beginning in 2024, the Company has updated the categorization of its products to align with management's current strategy and view of the business.
Prior year amounts have been reclassified for comparability purposes.
The recategorization is for presentation purposes only and does not impact overall gross written premiums.
Data presented for these calendar years is required supplementary information, which is unaudited.
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