
Palomar (PLMR) Stock Forecast & Price Target
Palomar (PLMR) Analyst Ratings
Bulls say
Palomar Holdings Inc. operates in the property and casualty insurance sector, where a favorable outlook is supported by anticipated improvements in core loss ratios starting in 2025, aligning with historical trends following peak pricing periods. The company's earthquake product line, known for generating high premiums, contributes to its strong growth prospects, which are further enhanced by rising estimated earnings per share for 2025, 2026, and 2027. Analysts project that as investors recognize the underlying profitable growth despite current unusual loss ratio dynamics, the company's shares are expected to outperform industry standards.
Bears say
Palomar Holdings Inc. has exhibited significant underperformance compared to both the S&P 500 and the KBW Insurance Index, largely due to a downturn in earthquake gross written premium (GWP) growth and an elevated core loss ratio reported in the second quarter of 2025. The company faces potential risks that include increasing reinsurance costs and the possibility of catastrophic losses surpassing conservative modeling, which could further strain financial performance. Additionally, Palomar's heavy reliance on ceding 70% of its crop book's premiums and losses has resulted in a lower net-to-gross ratio for this segment, which negatively impacts overall profitability.
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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