| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| NODKNI Holdings, Inc. | 274.26M | 13.31 | 55.46 | 6.97% | 0.87% | 1.06% | 13.68% | |
| HMNHorace Mann Educators Corporation | 1.74B | 42.88 | 17.29 | 8.21% | 10.24% | 11.39% | 25.91% | 0.42 |
| SAFTSafety Insurance Group, Inc. | 1.14B | 76.49 | 16.00 | 19.85% | 7.13% | 9.7% | 10.91% | 0.06 |
| UFCSUnited Fire Group, Inc. | 912.14M | 35.75 | 14.96 | 13.98% | 8.22% | 12.38% | 36.01% | 0.15 |
| DGICADonegal Group Inc. | 608.25M | 19.58 | 12.80 | 6.71% | 8.72% | 13.73% | 11.09% | 0.06 |
| MCYMercury General Corporation | 5.06B | 91.39 | 10.82 | 18.27% | 7.55% | 19.69% | 19.58% | 0.30 |
| KINSKingstone Companies, Inc. | 225.09M | 15.91 | 10.75 | 7.6% | 14.2% | 0.02% | 24.71% | 0.17 |
| KMPRKemper Corporation | 2.26B | 38.61 | 7.86 | -5.74% | 5.14% | 9.14% | 14.59% | 0.50 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 83.63M | 104.19M | 96.35M | 94.19M | 94.63M | 103.49M | 115.96M | 101.48M | 89.97M | 66.3M |
| Revenue Growth % | 0.2% | 0.25% | -0.08% | -0.02% | 0% | 0.09% | 0.12% | -0.12% | -0.11% | -0.26% |
| Medical Costs & Claims | 55.06M | 84.28M | 100.16M | 88.05M | 84.66M | 82.33M | 98.31M | 109.02M | 98.21M | 86.64M |
| Medical Cost Ratio % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 28.57M | 19.9M | -3.81M | 6.14M | 9.98M | 21.16M | 17.65M | -7.54M | -8.24M | -20.34M |
| Gross Margin % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit Growth % | 1% | -0.3% | -1.19% | 2.61% | 0.63% | 1.12% | -0.17% | -1.43% | -0.09% | -1.47% |
| Operating Expenses | 15.57M | 18.24M | 18.73M | 20.33M | 20.46M | 21.39M | 19.36M | 12.95M | 19.39M | 15.74M |
| OpEx / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | 398K | 401K | 372K | 386K | 453K | 437K | 423K | 417K | 545K | 1.67M |
| Combined Ratio % | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 12.99M | 1.66M | -22.54M | -14.19M | -10.49M | -238K | -1.71M | -20.49M | -27.63M | -36.08M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | 7.38% | -0.87% | -14.59% | 0.37% | 0.26% | 0.98% | -6.18% | -10.98% | -0.35% | -0.31% |
| EBITDA | 13.39M | 2.06M | -22.17M | -13.8M | -10.03M | 199K | -1.29M | -20.07M | -27.09M | -34.41M |
| EBITDA Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 769K | 647K | 1.36M | 2.64M | 2.88M | 2.92M | 2.85M | 2.97M | 3.21M | 4.88M |
| Non-Operating Income | 12.14M | 9.65M | -1.85M | -7.37M | -4.25M | -2.92M | -2.85M | -2.97M | -3.21M | -4.88M |
| Pretax Income | 83K | -8.64M | -22.05M | -9.46M | -9.12M | 601K | -886K | -20.12M | -27.63M | -36.08M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 48K | -77K | -447K | 52K | -913K | 6K | 208K | -9.44M | -353K | -1.84M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 64K | -8.44M | -21.54M | -9.23M | -7.82M | 595K | -1.09M | -10.68M | -25.9M | 24.35M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 1.01% | -132.83% | -1.55% | 0.57% | 0.15% | 1.08% | -2.84% | -8.76% | -1.43% | 1.94% |
| EPS (Diluted) | -0.09 | -1.11 | -2.74 | -1.08 | -0.88 | 0.06 | -0.11 | -1.00 | -2.12 | 1.93 |
| EPS Growth % | 0.92% | -11.33% | -1.47% | 0.61% | 0.19% | 1.07% | -2.78% | -8.09% | -1.12% | 1.91% |
| EPS (Basic) | -0.09 | -1.11 | -2.74 | -1.08 | -0.88 | 0.06 | -0.11 | -1.00 | -2.12 | 1.93 |
| Diluted Shares Outstanding | 5.37M | 7.62M | 7.87M | 8.54M | 8.88M | 9.63M | 9.69M | 10.69M | 12.22M | 12.22M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 177.93M | 203.7M | 239.03M | 232.75M | 247.26M | 261.6M | 290.4M | 312.35M | 311.8M | 281.66M |
| Asset Growth % | 0.09% | 0.14% | 0.17% | -0.03% | 0.06% | 0.06% | 0.11% | 0.08% | -0% | -0.1% |
| Total Investment Assets | 124.11M | 139.32M | 157.65M | 140.1M | 169.73M | 183.21M | 182.73M | 137.4M | 288.26M | 128.42M |
| Long-Term Investments | 117.72M | 128.53M | 9.69M | 10.74M | 169.73M | 183.21M | 182.73M | 137.4M | 145.31M | 128.42M |
| Short-Term Investments | 6.39M | 10.79M | 147.96M | 129.37M | 162.43M | 165.32M | 172.8M | 136.13M | 142.95M | 126.82M |
| Total Current Assets | 94.45M | 141.02M | 241.32M | 217.01M | 0 | 0 | 0 | 0 | 90.24M | 0 |
| Cash & Equivalents | 12.7M | 12.49M | 11.87M | 10.79M | 7.46M | 8.19M | 9.91M | 28.04M | 11.13M | 27.65M |
| Receivables | 1000K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | 45.03M | 0 | 57.56M | 53.78M | -219.35M | -221.35M | -259.68M | -292.93M | -121.65M | -269.94M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 9.33M | -65.85M | -9.69M | 1.27M | -169.73M | -183.21M | -182.73M | -137.4M | 0 | -128.42M |
| Total Liabilities | 100.67M | 135.91M | 186.21M | 190.59M | 204.54M | 217.18M | 249.9M | 293.4M | 308.92M | 260.13M |
| Total Debt | 12.75M | 17.75M | 29.03M | 33.5M | 35.82M | 41M | 33.56M | 33.88M | 25.06M | 11.93M |
| Net Debt | 47K | 5.26M | 17.16M | 22.71M | 28.36M | 32.8M | 23.65M | 5.84M | 13.94M | -15.72M |
| Long-Term Debt | 12.75M | 17.75M | 29.03M | 33.5M | 33.82M | 36M | 33.56M | 33.88M | 25.06M | 11.93M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 2M | 5M | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 91.71M | 0 |
| Accounts Payable | 3.83M | 5.38M | 11.61M | 5.75M | 0 | 0 | 5.32M | 6.14M | 5.56M | 1K |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -3.83M | -5.38M | -11.61M | -5.75M | -2M | -13.69M | -5.32M | -6.14M | 86.15M | -1K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 47.12M | 61.48M | 68.27M | 59.74M | -33.82M | -36M | -33.56M | -33.88M | 81.57M | -11.93M |
| Total Equity | 77.26M | 67.79M | 52.83M | 42.16M | 42.73M | 44.41M | 40.5M | 18.95M | 2.89M | 21.52M |
| Equity Growth % | 0.54% | -0.12% | -0.22% | -0.2% | 0.01% | 0.04% | -0.09% | -0.53% | -0.85% | 6.45% |
| Shareholders Equity | 77.26M | 67.79M | 52.83M | 42.16M | 42.73M | 44.41M | 40.5M | 18.95M | 2.89M | 21.52M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | -3.03M | -11.47M | -33.01M | -41.76M | -49.58M | -48.98M | -50.08M | -60.76M | -86.68M | -63.15M |
| Common Stock | 80.11M | 80.34M | 86.2M | 86.53M | 91.82M | 92.49M | 92.69M | 97.91M | 98.1M | 98.18M |
| Accumulated OCI | 182K | -1.08M | -363K | -2.61M | 489K | 912K | -2.11M | -18.2M | -14.53M | -13.5M |
| Return on Equity (ROE) | 0% | -0.12% | -0.36% | -0.19% | -0.18% | 0.01% | -0.03% | -0.36% | -2.37% | 1.99% |
| Return on Assets (ROA) | 0% | -0.04% | -0.1% | -0.04% | -0.03% | 0% | -0% | -0.04% | -0.08% | 0.08% |
| Equity / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / Equity | 0.17x | 0.26x | 0.55x | 0.79x | 0.84x | 0.92x | 0.83x | 1.79x | 8.67x | 0.55x |
| Book Value per Share | 14.39 | 8.90 | 6.71 | 4.93 | 4.81 | 4.61 | 4.18 | 1.77 | 0.24 | 1.76 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -3.14M | 6.17M | 9.09M | -17.01M | 15.36M | 2.98M | 5.36M | -40.47M | -13.39M | -32.68M |
| Operating CF Growth % | -1.5% | 2.97% | 0.47% | -2.87% | 1.9% | -0.81% | 0.8% | -8.56% | 0.67% | -1.44% |
| Operating CF / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -17K | -8.44M | -21.54M | -9.23M | -7.82M | 595K | -1.09M | -10.68M | -25.9M | -34.24M |
| Depreciation & Amortization | 398K | 401K | 372K | 386K | 453K | 437K | 423K | 417K | 545K | 1.67M |
| Stock-Based Compensation | 303K | 856K | 895K | 970K | 959K | 706K | 218K | 211K | 190K | 78K |
| Deferred Taxes | 0 | -147K | 0 | 0 | 0 | 0 | 0 | -9.4M | 328K | 0 |
| Other Non-Cash Items | 187K | -506K | -22K | -17K | -1.41M | -8.8M | -12.8M | -8.9M | -3.89M | 557K |
| Working Capital Changes | -4.01M | 14M | 29.39M | -9.12M | 23.18M | 10.04M | 18.61M | -12.12M | 15.34M | -745K |
| Cash from Investing | -15.29M | -10.75M | -25.95M | 12.22M | -25.01M | -7.34M | 1.38M | 56.5M | -272K | 70.29M |
| Capital Expenditures | -167K | -195K | -13K | -86K | -61K | -78K | 0 | 0 | 0 | 0 |
| Acquisitions | -1.32M | 0 | 0 | 0 | 0 | 0 | 4M | 30.32M | -934K | 58.28M |
| Purchase of Investments | -118.62M | -166.97M | -218.49M | -91.29M | -157.24M | -391.59M | -226.79M | -318.23M | -234.87M | -193.59M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Investing | 0 | 0 | 0 | 0 | 0 | 0 | -71K | 0 | 2.33M | -7.18M |
| Cash from Financing | 12.64M | 4.38M | 16.24M | 3.71M | 6.32M | 5.08M | -5.01M | 2.09M | -3.25M | -21.09M |
| Dividends Paid | -384K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -439K |
| Share Repurchases | -6.28M | -625K | 0 | -636K | -676K | -36K | -12K | 0 | -3K | 0 |
| Stock Issued | 36.07M | 0 | 5M | 0 | 5M | 0 | 0 | 5.01M | 0 | 0 |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K |
| Other Financing | -1.95M | 0 | -1.01M | -1.45M | 0 | 0 | 0 | 0 | -2M | 0 |
| Net Change in Cash | -5.79M | -210K | -625K | -1.08M | -3.33M | 729K | 1.72M | 18.12M | -16.91M | 16.53M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 18.49M | 12.7M | 12.49M | 11.87M | 10.79M | 7.46M | 8.19M | 9.91M | 28.04M | 11.13M |
| Cash at End | 12.7M | 12.49M | 11.87M | 10.79M | 7.46M | 8.19M | 9.91M | 28.04M | 11.13M | 27.65M |
| Free Cash Flow | -3.3M | 5.97M | 9.08M | -17.09M | 15.3M | 2.9M | 5.36M | -40.47M | -13.39M | -32.68M |
| FCF Growth % | -1.56% | 2.81% | 0.52% | -2.88% | 1.9% | -0.81% | 0.84% | -8.56% | 0.67% | -1.44% |
| FCF Margin % | - | - | - | - | - | - | - | - | - | - |
| FCF per Share | -0.62 | 0.78 | 1.15 | -2 | 1.72 | 0.3 | 0.55 | -3.79 | -1.1 | -2.67 |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 84.47% | 98.41% | 123.4% | 115.07% | 111.08% | 100.23% | 101.47% | 120.19% | 130.71% | 154.42% |
| Medical Cost Ratio | 65.84% | 80.9% | 103.96% | 93.48% | 89.46% | 79.56% | 84.78% | 107.43% | 109.16% | 130.68% |
| Return on Equity (ROE) | 0.1% | -11.63% | -35.72% | -19.43% | -18.43% | 1.37% | -2.58% | -35.93% | -237.23% | 199.45% |
| Return on Assets (ROA) | 0.04% | -4.42% | -9.73% | -3.91% | -3.26% | 0.23% | -0.4% | -3.54% | -8.3% | 8.21% |
| Equity / Assets | 43.42% | 33.28% | 22.1% | 18.11% | 17.28% | 16.98% | 13.95% | 6.07% | 0.93% | 7.64% |
| Book Value / Share | 14.39 | 8.9 | 6.71 | 4.93 | 4.81 | 4.61 | 4.18 | 1.77 | 0.24 | 1.76 |
| Debt / Equity | 0.17x | 0.26x | 0.55x | 0.79x | 0.84x | 0.92x | 0.83x | 1.79x | 8.67x | 0.55x |
| Revenue Growth | 19.99% | 24.58% | -7.52% | -2.24% | 0.47% | 9.36% | 12.05% | -12.49% | -11.34% | -26.31% |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Commercial And Personal Lines | - | - | - | - | - | - | - | - | 84.25M | 60.98M |
| Commercial And Personal Lines Growth | - | - | - | - | - | - | - | - | - | -27.62% |
| Personal Lines1 | - | - | - | - | - | - | - | - | 24.81M | 32.75M |
| Personal Lines1 Growth | - | - | - | - | - | - | - | - | - | 32.00% |
| Commercial Lines1 | - | - | - | - | - | - | - | - | 59.44M | 28.23M |
| Commercial Lines1 Growth | - | - | - | - | - | - | - | - | - | -52.51% |
| Insurance Agency | - | - | - | - | - | - | - | - | 7.06M | - |
| Insurance Agency Growth | - | - | - | - | - | - | - | - | - | - |
| Management Service | - | - | - | 13.57M | 11.62M | 12.53M | 15.95M | 4.98M | - | - |
| Management Service Growth | - | - | - | - | -14.34% | 7.80% | 27.34% | -68.78% | - | - |
| Commercial Lines | - | 69.3M | 77.41M | - | - | - | - | - | - | - |
| Commercial Lines Growth | - | - | 11.71% | - | - | - | - | - | - | - |
| Personal Lines | - | 21.26M | 15.72M | - | - | - | - | - | - | - |
| Personal Lines Growth | - | - | -26.06% | - | - | - | - | - | - | - |
| Corporate and Other | 79K | - | - | - | - | - | - | - | - | - |
| Corporate and Other Growth | - | - | - | - | - | - | - | - | - | - |
Presurance Holdings, Inc. (PRHI) has a price-to-earnings (P/E) ratio of 0.3x. This may indicate the stock is undervalued or faces growth challenges.
Presurance Holdings, Inc. (PRHI) saw revenue decline by 26.3% over the past year.
Presurance Holdings, Inc. (PRHI) reported a net loss of $26.8M for fiscal year 2024.
Yes, Presurance Holdings, Inc. (PRHI) pays a dividend with a yield of 5.40%. This makes it attractive for income-focused investors.
Presurance Holdings, Inc. (PRHI) has a return on equity (ROE) of 199.5%. This is excellent, indicating efficient use of shareholder capital.
Presurance Holdings, Inc. (PRHI) has a combined ratio of 154.4%. A ratio above 100% means claims and expenses exceed premiums.