PRHI
Presurance Holdings, Inc.
Insurance - Property & Casualty
Market Cap$8M
5Y Perf.-73.6%
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Stock Comparison
PRHI vs RM
Revenue, margins, valuation, and 5-year total return — side by side.
RM
Regional Management Corp.
Financial - Credit Services
Market Cap$329M
5Y Perf.+120.5%
PRHI vs RM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PRHI | RM |
|---|---|---|
| Industry | Insurance - Property & Casualty | Financial - Credit Services |
| Market Cap | $8M | $329M |
| Revenue (TTM) | $43M | $646M |
| Net Income (TTM) | $-27M | $49M |
| Gross Margin | -48.4% | 52.3% |
| Operating Margin | -62.3% | 12.4% |
| Forward P/E | 0.3x | 6.3x |
| Total Debt | $12M | $1.73B |
| Cash & Equiv. | $28M | $98M |
PRHI vs RM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PRHI
RM
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Presurance Holdings… (PRHI) | 100 | 26.4 | -73.6% |
| Regional Management… (RM) | 100 | 220.5 | +120.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PRHI vs RM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RM leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Presurance Holdings, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
PRHI
Presurance Holdings, Inc.
The Insurance Pick
PRHI is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 1.00, yield 5.4%
- Lower volatility, beta 1.00, Low D/E 55.4%
- Beta 1.00, yield 5.4%
Best for: income & stability and sleep-well-at-night
RM
Regional Management Corp.
The Banking Pick
RM carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 9.7%, EPS growth 7.5%
- 159.2% 10Y total return vs PRHI's -90.0%
- 9.7% NII/revenue growth vs PRHI's -26.3%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RM | 9.7% NII/revenue growth vs PRHI's -26.3% |
| Value | PRHI | Lower P/E (0.3x vs 6.3x) |
| Quality / Margins | RM | 6.9% margin vs PRHI's -62.7% |
| Stability / Safety | PRHI | Beta 1.00 vs RM's 1.40, lower leverage |
| Dividends | PRHI | 5.4% yield, vs RM's 3.3% |
| Momentum (1Y) | RM | +26.1% vs PRHI's -3.6% |
| Efficiency (ROA) | RM | 2.4% ROA vs PRHI's -9.4%, ROIC 3.0% vs -239.2% |
PRHI vs RM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
Segment breakdown not available.
PRHI vs RM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRMLAGGINGPRHI
PRHIPresurance Holdings, …
2leads
RMRegional Management C…
3leads
6 Total Categories
CATEGORYLEADERvs PRHIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RM5/5
Valuation MetricsMultiples, price ratios, and targets
PRHI3/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RM6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
RM5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
PRHI1/1
Income & Cash Flow (Last 12 Months)
RM leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
RM is the larger business by revenue, generating $646M annually — 15.1x PRHI's $43M. RM is the more profitable business, keeping 6.9% of every revenue dollar as net income compared to PRHI's -62.7%.
| Metric | PRHIPresurance Holdin… | RMRegional Manageme… |
|---|---|---|
| RevenueTrailing 12 months | $43M | $646M |
| EBITDAEarnings before interest/tax | -$26M | $117M |
| Net IncomeAfter-tax profit | -$27M | $49M |
| Free Cash FlowCash after capex | -$39M | $316M |
| Gross MarginGross profit ÷ Revenue | -48.4% | +52.3% |
| Operating MarginEBIT ÷ Revenue | -62.3% | +12.4% |
| Net MarginNet income ÷ Revenue | -62.7% | +6.9% |
| FCF MarginFCF ÷ Revenue | -90.6% | +47.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | -58.3% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -107.4% | +68.6% |
RM leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
PRHI leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
At 0.3x trailing earnings, PRHI trades at a 96% valuation discount to RM's 7.9x P/E.
| Metric | PRHIPresurance Holdin… | RMRegional Manageme… |
|---|---|---|
| Market CapShares × price | $8M | $329M |
| Enterprise ValueMkt cap + debt − cash | -$8M | $2.0B |
| Trailing P/EPrice ÷ TTM EPS | 0.34x | 7.86x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 6.28x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.60x |
| EV / EBITDAEnterprise value multiple | — | 21.34x |
| Price / SalesMarket cap ÷ Revenue | 0.12x | 0.51x |
| Price / BookPrice ÷ Book value/share | 0.38x | 0.93x |
| Price / FCFMarket cap ÷ FCF | — | 1.08x |
PRHI leads this category, winning 3 of 3 comparable metrics.
Profitability & Efficiency
RM leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
RM delivers a 13.2% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $-106 for PRHI. PRHI carries lower financial leverage with a 0.55x debt-to-equity ratio, signaling a more conservative balance sheet compared to RM's 4.65x. On the Piotroski fundamental quality scale (0–9), RM scores 6/9 vs PRHI's 3/9, reflecting solid financial health.
| Metric | PRHIPresurance Holdin… | RMRegional Manageme… |
|---|---|---|
| ROE (TTM)Return on equity | -105.8% | +13.2% |
| ROA (TTM)Return on assets | -9.4% | +2.4% |
| ROICReturn on invested capital | -2.4% | +3.0% |
| ROCEReturn on capital employed | -12.2% | +4.5% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 6 |
| Debt / EquityFinancial leverage | 0.55x | 4.65x |
| Net DebtTotal debt minus cash | -$16M | $1.6B |
| Cash & Equiv.Liquid assets | $28M | $98M |
| Total DebtShort + long-term debt | $12M | $1.7B |
| Interest CoverageEBIT ÷ Interest expense | -6.48x | 1.24x |
RM leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
RM leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RM five years ago would be worth $9,242 today (with dividends reinvested), compared to $2,188 for PRHI. Over the past 12 months, RM leads with a +26.1% total return vs PRHI's -3.6%. The 3-year compound annual growth rate (CAGR) favors RM at 13.1% vs PRHI's -24.6% — a key indicator of consistent wealth creation.
| Metric | PRHIPresurance Holdin… | RMRegional Manageme… |
|---|---|---|
| YTD ReturnYear-to-date | -5.3% | -10.1% |
| 1-Year ReturnPast 12 months | -3.6% | +26.1% |
| 3-Year ReturnCumulative with dividends | -57.1% | +44.5% |
| 5-Year ReturnCumulative with dividends | -78.1% | -7.6% |
| 10-Year ReturnCumulative with dividends | -90.0% | +159.2% |
| CAGR (3Y)Annualised 3-year return | -24.6% | +13.1% |
RM leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PRHI and RM 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 RM's 1.40 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RM currently trades 76.0% 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… | RMRegional Manageme… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.00x | 1.40x |
| 52-Week HighHighest price in past year | $2.83 | $46.00 |
| 52-Week LowLowest price in past year | $0.48 | $26.06 |
| % of 52W HighCurrent price vs 52-week peak | +23.5% | +76.0% |
| RSI (14)Momentum oscillator 0–100 | 47.1 | 43.4 |
| Avg Volume (50D)Average daily shares traded | 94K | 56K |
Evenly matched — PRHI and RM each lead in 1 of 2 comparable metrics.
Analyst Outlook
PRHI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, PRHI offers the higher dividend yield at 5.40% vs RM's 3.31%.
| Metric | PRHIPresurance Holdin… | RMRegional Manageme… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | 15 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +3.3% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.04 | $1.16 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +7.3% |
PRHI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
RM leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). PRHI leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
Best OverallRegional Management Corp. (RM)Leads 3 of 6 categories
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PRHI vs RM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is PRHI or RM a better buy right now?
For growth investors, Regional Management Corp.
(RM) is the stronger pick with 9. 7% 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 Regional Management Corp. (RM) a "Hold" — based on 15 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 has the better valuation — PRHI or RM?
On trailing P/E, Presurance Holdings, Inc.
(PRHI) is the cheapest at 0. 3x versus Regional Management Corp. at 7. 9x.
03Which is the better long-term investment — PRHI or RM?
Over the past 5 years, Regional Management Corp.
(RM) delivered a total return of -7. 6%, compared to -78. 1% for Presurance Holdings, Inc. (PRHI). Over 10 years, the gap is even starker: RM returned +159. 2% 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.
04Which is safer — PRHI or RM?
By beta (market sensitivity over 5 years), Presurance Holdings, Inc.
(PRHI) is the lower-risk stock at 1. 00β versus Regional Management Corp. 's 1. 40β — meaning RM is approximately 39% more volatile than PRHI relative to the S&P 500. On balance sheet safety, Presurance Holdings, Inc. (PRHI) carries a lower debt/equity ratio of 55% versus 5% for Regional Management Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — PRHI or RM?
By revenue growth (latest reported year), Regional Management Corp.
(RM) is pulling ahead at 9. 7% 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 7. 5% for Regional Management Corp.. 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.
06Which has better profit margins — PRHI or RM?
Presurance Holdings, Inc.
(PRHI) is the more profitable company, earning 36. 7% net margin versus 6. 9% for Regional Management Corp. — meaning it keeps 36. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RM leads at 12. 4% versus -54. 4% for PRHI. At the gross margin level — before operating expenses — RM leads at 52. 3%, 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.
07Which pays a better dividend — PRHI or RM?
All stocks in this comparison pay dividends.
Presurance Holdings, Inc. (PRHI) offers the highest yield at 5. 4%, versus 3. 3% for Regional Management Corp. (RM).
08Is PRHI or RM 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). Both have compounded well over 10 years (PRHI: -90. 0%, RM: +159. 2%), 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.
09What are the main differences between PRHI and RM?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
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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