Palomar (PLMR) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended September 2025, Palomar (PLMR) reported revenue of $241.17 million, up 65.4% over the same period last year. EPS came in at $2.01, compared to $1.23 in the year-ago quarter.The reported revenue represents a surprise of +6.66% over the Zacks Consensus Estimate of $226.11 million. With the consensus EPS estimate being $1.60, the EPS surprise was +25.63%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Palomar performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Loss Ratio: 32.3% versus the five-analyst average estimate of 37.9%.Combined Ratio: 78.1% versus the four-analyst average estimate of 83.3%.Expense Ratio: 45.8% compared to the 44.1% average estimate based on four analysts.Adjusted combined ratio: 74.8% versus the two-analyst average estimate of 79.8%.Revenues- Net investment income: $14.57 million versus $13.59 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +54.9% change.Revenues- Net earned premiums: $225.15 million versus the five-analyst average estimate of $211.64 million. The reported number represents a year-over-year change of +66%.Revenues- Commission and other income: $1.45 million versus the five-analyst average estimate of $1.08 million. The reported number represents a year-over-year change of +102.5%.Revenues- Net realized and unrealized gains (losses) on investments: $3.49 million versus the two-analyst average estimate of $5.88 million.View all Key Company Metrics for Palomar here>>>Shares of Palomar have returned -1.9% over the past month versus the Zacks S&P 500 composite's +1.3% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.This top pick is a little-known satellite-based communications firm. Space is projected to become a trillion dollar industry, and this company's customer base is growing fast. Analysts have forecasted a major revenue breakout in 2025. Of course, all our elite picks aren't winners but this one could far surpass earlier Zacks' Stocks Set to Double like Hims & Hers Health, which shot up +209%.Free: See Our Top Stock And 4 Runners UpWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Palomar Holdings, Inc. (PLMR): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks