
Palomar (PLMR) Stock Forecast & Price Target
Palomar (PLMR) Analyst Ratings
Bulls say
Palomar Holdings Inc. is poised for a favorable outlook due to anticipated improvements in core loss ratios across the property and casualty insurance group, projected for 2025, which aligns with historical trends following peak pricing. Enhanced earnings per share (EPS) estimates for 2025, 2026, and 2027 reflect expectations of stronger net-to-gross earned premium ratios and lower core loss ratios, contributing to a solid growth trajectory. Additionally, despite current unusual loss ratios, investors are likely to focus on the company's underlying profitable growth potential, which should bolster the stock’s performance in the market.
Bears say
Palomar Holdings Inc has recently faced significant underperformance compared to both the equal-weighted S&P 500 and the KBW Insurance Index, primarily due to slowing growth in earthquake gross written premiums (GWP) and an unexpectedly high core loss ratio in the second quarter of 2025. Furthermore, the company is exposed to considerable risks, including potential decreases in reinsurance availability or increases in reinsurance pricing, which could exacerbate losses beyond conservatively modeled scenarios. Additionally, the company cedes 70% of its crop book’s premiums and losses, resulting in a net-to-gross ratio that is weaker than that of its overall portfolio, thereby further affecting its financial stability.
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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