All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2018; the latest 2021-03-01.
From the record
Palomar Holdings, Inc.'s filings since 2018 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2021-03-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+40% a year over 9 filed years; profitable in 9 of 9.
From the record
Palomar Holdings, Inc.'s 9 filed years say what it did: revenue went from $59 million in fiscal 2017 to $876 million in fiscal 2025, up 40% a year; it rose in 8 of 8 years; it never fell from a peak; net income was positive in 9 of 9 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 2.1% a year. 8% of cash flow returned. Insiders: 96 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Palomar Holdings, Inc.'s diluted share count grew about 2.1% a year, and dividends and buybacks returned about 8% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 96 sales (54 under scheduled 10b5-1 plans) and 1 purchase of their own stock on the open market in the year to 2026-10-22, buying about $0 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 21%: 21¢ of profit per shareholder dollar. Leverage 69%: owes 69¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Palomar Holdings, Inc. earned about 21 cents of profit for every dollar of shareholders' money. Leverage: it owed about 69 cents per dollar of assets, and net share issuance: its share count grew 4.8% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 31% of 60 in its family; net margin 22.5%.
From the record
Palomar Holdings, Inc.'s standing among 60 graded names in its industry family: revenue of $876 million in fiscal 2025 ranks in the bottom 36% by size; a net margin of 22.5% ranks in the top 17%; revenue growth of 38.9% a year over the last 3 filed years ranks in the top 12% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 49% of 47 in its family for leadership; chief executive since 2019.
From the record
Palomar Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Armstrong, Mac (CEO and Chairman, as filed), filing under that title since 2019-04-16, 7.6 years (top 39% of its family); the 14 officers and directors filing in the last fifteen months have been on the record a median of 6.5 years (bottom 43%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 14 people in charge now (bottom 48%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 26% of 60 in its family for room to expand.
From the record
Palomar Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $107 million against no long-term debt tagged leaves 3.5% of its assets as net cash, top 41% of its family; cash from operations less capital spending is 46.7% of revenue (top 11%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 46% of 56 in its family for growth drivers.
From the record
Palomar Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 38.9% a year over the last three filed years against 40% over all 9, slowing (bottom 21% of its family); the newest year grew 58.2% (top 4%); capital spending grew -24.1% a year (bottom 23%) (its annual reports). Palomar Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 34% of 56 in its family for expectations against reality.
From the record
Palomar Holdings, Inc.'s newest year against its own record: revenue of $876 million in fiscal 2025 came in 21.6% above the $721 million its prior three years' pace pointed to (top 8% of its family); net income of $197 million against a prior three-year average of $83 million (top 33%); a net margin of 22.5% against 19.4% before (bottom 38%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made