
Palomar (PLMR) Stock Forecast & Price Target
Palomar (PLMR) Analyst Ratings
Bulls say
Palomar Holdings Inc. is positioned favorably in the property and casualty insurance sector, with expectations of improving core loss ratios in 2025 influenced by historical trends between premium pricing and profitability. The company has demonstrated strong profitable growth, which is anticipated to attract investor interest despite some cyclical challenges in loss ratios and earned premium metrics. Forecast enhancements for earnings per share (EPS) from $7.05 in 2025 to $9.85 by 2027 highlight the company's potential for sustained financial performance, driven by factors such as higher net-to-gross premium ratios and effective reserve management.
Bears say
Palomar Holdings Inc has experienced significant underperformance relative to both the S&P 500 and the KBW Insurance Index, primarily attributed to slowing growth in earthquake gross written premiums (GWP) and a higher-than-expected core loss ratio reported in 2Q25. Concerns regarding risks such as reduced reinsurance availability, increased pricing, and heightened competition from more sophisticated carriers add additional pressure to the company's outlook. Additionally, the company's reliance on ceding 70% of crop book premiums and losses affects its net-to-gross ratio, further contributing to uncertainties in its financial stability, particularly in the third quarter.
This aggregate rating is based on analysts' research of Palomar and is not a guaranteed prediction by Public.com or investment advice.
Palomar (PLMR) Analyst Forecast & Price Prediction
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