PRHI
Presurance Holdings, Inc.
Insurance - Property & Casualty
Market Cap$8M
5Y Perf.-75.6%
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Stock Comparison
PRHI vs OPEN
Revenue, margins, valuation, and 5-year total return — side by side.
OPEN
Opendoor Technologies Inc.
Real Estate - Services
Market Cap$4.08B
5Y Perf.-54.7%
PRHI vs OPEN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PRHI | OPEN |
|---|---|---|
| Industry | Insurance - Property & Casualty | Real Estate - Services |
| Market Cap | $8M | $4.08B |
| Revenue (TTM) | $43M | $3.94B |
| Net Income (TTM) | $-27M | $-1.39B |
| Gross Margin | -48.4% | 7.9% |
| Operating Margin | -62.3% | -9.9% |
| Forward P/E | 0.3x | — |
| Total Debt | $12M | $193M |
| Cash & Equiv. | $28M | $962M |
PRHI vs OPEN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PRHI
OPEN
| Stock | Jun 20 | May 26 | Return |
|---|---|---|---|
| Presurance Holdings… (PRHI) | 100 | 24.4 | -75.6% |
| Opendoor Technologi… (OPEN) | 100 | 45.3 | -54.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRHI vs OPEN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PRHI and OPEN are tied at the top with 3 categories each — the right choice depends on your priorities. Opendoor Technologies Inc. is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
PRHI
Presurance Holdings, Inc.
The Insurance Pick
PRHI carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 1.00, yield 5.4%
- Rev growth -26.3%, EPS growth 191.0%, 3Y rev CAGR -17.0%
- Lower volatility, beta 1.00, Low D/E 55.4%
Best for: income & stability and growth exposure
OPEN
Opendoor Technologies Inc.
The Real Estate Income Play
OPEN is the clearest fit if your priority is long-term compounding.
- -50.8% 10Y total return vs PRHI's -90.0%
- -15.2% FFO/revenue growth vs PRHI's -26.3%
- -35.2% margin vs PRHI's -62.7%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OPEN | -15.2% FFO/revenue growth vs PRHI's -26.3% |
| Quality / Margins | OPEN | -35.2% margin vs PRHI's -62.7% |
| Stability / Safety | PRHI | Beta 1.00 vs OPEN's 3.09 |
| Dividends | PRHI | 5.4% yield; the other pay no meaningful dividend |
| Momentum (1Y) | OPEN | +5.1% vs PRHI's -3.6% |
| Efficiency (ROA) | PRHI | -9.4% ROA vs OPEN's -53.6%, ROIC -239.2% vs -15.8% |
PRHI vs OPEN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
Segment breakdown not available.
PRHI vs OPEN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOPENLAGGINGPRHI
PRHIPresurance Holdings, …
1leads
OPENOpendoor Technologies…
3leads
6 Total Categories
CATEGORYLEADERvs PRHIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OPEN6/6
Valuation MetricsMultiples, price ratios, and targets
PRHI2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OPEN5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
OPEN5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
OPEN leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
OPEN is the larger business by revenue, generating $3.9B annually — 92.2x PRHI's $43M. OPEN is the more profitable business, keeping -35.2% of every revenue dollar as net income compared to PRHI's -62.7%. On growth, OPEN holds the edge at -37.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PRHIPresurance Holdin… | OPENOpendoor Technolo… |
|---|---|---|
| RevenueTrailing 12 months | $43M | $3.9B |
| EBITDAEarnings before interest/tax | -$26M | -$363M |
| Net IncomeAfter-tax profit | -$27M | -$1.4B |
| Free Cash FlowCash after capex | -$39M | $1.1B |
| Gross MarginGross profit ÷ Revenue | -48.4% | +7.9% |
| Operating MarginEBIT ÷ Revenue | -62.3% | -9.9% |
| Net MarginNet income ÷ Revenue | -62.7% | -35.2% |
| FCF MarginFCF ÷ Revenue | -90.6% | +27.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -58.3% | -37.6% |
| EPS Growth (YoY)Latest quarter vs prior year | -107.4% | -50.0% |
OPEN leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
PRHI leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | PRHIPresurance Holdin… | OPENOpendoor Technolo… |
|---|---|---|
| Market CapShares × price | $8M | $4.1B |
| Enterprise ValueMkt cap + debt − cash | -$8M | $3.3B |
| Trailing P/EPrice ÷ TTM EPS | 0.34x | -3.13x |
| Forward P/EPrice ÷ next-FY EPS est. | — | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 0.12x | 0.93x |
| Price / BookPrice ÷ Book value/share | 0.38x | 4.06x |
| Price / FCFMarket cap ÷ FCF | — | 3.93x |
PRHI leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
OPEN leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
PRHI delivers a -105.8% return on equity — every $100 of shareholder capital generates $-106 in annual profit, vs $-163 for OPEN. OPEN carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to PRHI's 0.55x. On the Piotroski fundamental quality scale (0–9), OPEN scores 5/9 vs PRHI's 3/9, reflecting solid financial health.
| Metric | PRHIPresurance Holdin… | OPENOpendoor Technolo… |
|---|---|---|
| ROE (TTM)Return on equity | -105.8% | -163.2% |
| ROA (TTM)Return on assets | -9.4% | -53.6% |
| ROICReturn on invested capital | -2.4% | -15.8% |
| ROCEReturn on capital employed | -12.2% | -11.7% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 |
| Debt / EquityFinancial leverage | 0.55x | 0.19x |
| Net DebtTotal debt minus cash | -$16M | -$769M |
| Cash & Equiv.Liquid assets | $28M | $962M |
| Total DebtShort + long-term debt | $12M | $193M |
| Interest CoverageEBIT ÷ Interest expense | -6.48x | -8.92x |
OPEN leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
OPEN leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OPEN five years ago would be worth $2,845 today (with dividends reinvested), compared to $2,188 for PRHI. Over the past 12 months, OPEN leads with a +510.1% total return vs PRHI's -3.6%. The 3-year compound annual growth rate (CAGR) favors OPEN at 37.4% vs PRHI's -24.6% — a key indicator of consistent wealth creation.
| Metric | PRHIPresurance Holdin… | OPENOpendoor Technolo… |
|---|---|---|
| YTD ReturnYear-to-date | -5.3% | -12.4% |
| 1-Year ReturnPast 12 months | -3.6% | +510.1% |
| 3-Year ReturnCumulative with dividends | -57.1% | +159.5% |
| 5-Year ReturnCumulative with dividends | -78.1% | -71.6% |
| 10-Year ReturnCumulative with dividends | -90.0% | -50.8% |
| CAGR (3Y)Annualised 3-year return | -24.6% | +37.4% |
OPEN leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PRHI and OPEN each lead in 1 of 2 comparable metrics.
Risk & Volatility
PRHI is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than OPEN's 3.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OPEN currently trades 48.9% from its 52-week high vs PRHI's 23.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PRHIPresurance Holdin… | OPENOpendoor Technolo… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.00x | 3.09x |
| 52-Week HighHighest price in past year | $2.83 | $10.87 |
| 52-Week LowLowest price in past year | $0.48 | $0.51 |
| % of 52W HighCurrent price vs 52-week peak | +23.5% | +48.9% |
| RSI (14)Momentum oscillator 0–100 | 47.1 | 56.2 |
| Avg Volume (50D)Average daily shares traded | 94K | 36.3M |
Evenly matched — PRHI and OPEN each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
PRHI is the only dividend payer here at 5.40% yield — a key consideration for income-focused portfolios.
| Metric | PRHIPresurance Holdin… | OPENOpendoor Technolo… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $6.50 |
| # AnalystsCovering analysts | — | 26 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | $0.04 | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
OPEN leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). PRHI leads in 1 (Valuation Metrics). 1 tied.
Best OverallOpendoor Technologies Inc. (OPEN)Leads 3 of 6 categories
Loading custom metrics...
PRHI vs OPEN: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is PRHI or OPEN a better buy right now?
For growth investors, Opendoor Technologies Inc.
(OPEN) is the stronger pick with -15. 2% revenue growth year-over-year, versus -26. 3% for Presurance Holdings, Inc. (PRHI). Presurance Holdings, Inc. (PRHI) offers the better valuation at 0. 3x trailing P/E, making it the more compelling value choice. Analysts rate Opendoor Technologies Inc. (OPEN) a "Hold" — based on 26 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — PRHI or OPEN?
Over the past 5 years, Opendoor Technologies Inc.
(OPEN) delivered a total return of -71. 6%, compared to -78. 1% for Presurance Holdings, Inc. (PRHI). Over 10 years, the gap is even starker: OPEN returned -50. 8% versus PRHI's -90. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PRHI or OPEN?
By beta (market sensitivity over 5 years), Presurance Holdings, Inc.
(PRHI) is the lower-risk stock at 1. 00β versus Opendoor Technologies Inc. 's 3. 09β — meaning OPEN is approximately 207% more volatile than PRHI relative to the S&P 500. On balance sheet safety, Opendoor Technologies Inc. (OPEN) carries a lower debt/equity ratio of 19% versus 55% for Presurance Holdings, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — PRHI or OPEN?
By revenue growth (latest reported year), Opendoor Technologies Inc.
(OPEN) is pulling ahead at -15. 2% versus -26. 3% for Presurance Holdings, Inc. (PRHI). On earnings-per-share growth, the picture is similar: Presurance Holdings, Inc. grew EPS 191. 0% year-over-year, compared to -203. 6% for Opendoor Technologies Inc.. Over a 3-year CAGR, PRHI leads at -17. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — PRHI or OPEN?
Presurance Holdings, Inc.
(PRHI) is the more profitable company, earning 36. 7% net margin versus -29. 7% for Opendoor Technologies Inc. — meaning it keeps 36. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OPEN leads at -6. 2% versus -54. 4% for PRHI. At the gross margin level — before operating expenses — OPEN leads at 7. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — PRHI or OPEN?
In this comparison, PRHI (5.
4% yield) pays a dividend. OPEN does not pay a meaningful dividend and should not be held primarily for income.
07Is PRHI or OPEN better for a retirement portfolio?
For long-horizon retirement investors, Presurance Holdings, Inc.
(PRHI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 00), 5. 4% yield). Opendoor Technologies Inc. (OPEN) carries a higher beta of 3. 09 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PRHI: -90. 0%, OPEN: -50. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between PRHI and OPEN?
These companies operate in different sectors (PRHI (Financial Services) and OPEN (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: PRHI is a small-cap deep-value stock; OPEN is a small-cap quality compounder stock. PRHI pays a dividend while OPEN does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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