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PRHIPresurance Holdings, Inc.
$5.11$10M
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PRHI logoPresurance Holdings, Inc.(PRHI)Earnings, Financials & Key Ratios

PRHI•NASDAQ•Insurance & Managed Care
Price updated Jun 19, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustrySpecialty and excess surplus insurers
AboutAn insurance holding company engaged in underwriting specialty property & casualty insurance products, including homeowners, dwelling fire, liability coverage for both individuals and small/mid-sized businesses.Show more
  • Revenue$37M-44.3%
  • Combined Ratio149.53%-3.2%
  • Net Income-$18M-175.7%
  • Return on Equity-120.94%-160.6%
  • Medical Cost Ratio127.08%-2.8%
  • Operating Margin-49.53%+9.0%
  • Net Margin-49.91%-235.9%
  • ROA-7.08%-186.3%
  • Equity / Assets3.75%-51.0%

PRHI Key Insights

Presurance Holdings, Inc. (PRHI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Trading at only 1.0x book value

✗Weaknesses

  • ✗Unprofitable underwriting: 149.5% combined ratio
  • ✗High debt to equity ratio of 3.0x
  • ✗Weak Piotroski F-Score: 3/9
  • ✗High loss ratio of 127.1%
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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PRHI Price & Volume

Presurance Holdings, Inc. (PRHI) stock price & volume — 10-year historical chart

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PRHI Growth Metrics

Presurance Holdings, Inc. (PRHI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-7.85%
5 Years-18.62%
3 Years-28.6%
TTM-45.02%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-166.31%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-171.33%

Return on Capital

10 Years-8.15%
5 Years-12.35%
3 Years-18.11%
Last Year-29.62%

PRHI Recent Earnings

Presurance Holdings, Inc. (PRHI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
May 13, 2026
Metric
Actual
Est
EPS
$0.15
—
Rev
$12M
—
Q2 2026
Mar 27, 2026
Metric
Actual
Est
EPS
$1.24-12500.0%
$0.01
Rev
$7M-71.1%
$23M
Q4 2025
Nov 12, 2025
Metric
Actual
Est
EPS
$0.22-2300.0%
$0.01
Rev
$7M-69.9%
$22M
Q3 2025
Aug 13, 2025
Metric
Actual
Est
EPS
$0.17-1800.0%
$0.01
Rev
$16M-26.0%
$22M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 13, 2026
$0.15
$12M
Q2 2026Mar 27, 2026
$1.24vs $0.01-12500.0%
$7Mvs $23M-71.1%
Q4 2025Nov 12, 2025
$0.22vs $0.01-2300.0%
$7Mvs $22M-69.9%
Q3 2025Aug 13, 2025
$0.17vs $0.01-1800.0%
$16Mvs $22M-26.0%
Based on last 12 quarters of dataView full earnings history →

PRHI Peer Comparison

Presurance Holdings, Inc. (PRHI) competitors in Specialty and excess surplus insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HIFS logoHIFSHingham Institution for SavingsDirect Competitor628.22M284.6511.508.92%23.04%11.96%3.05
WRLD logoWRLDWorld Acceptance CorporationDirect Competitor896.53M177.9510.92-1.46%7.46%10.79%1.20
RM logoRMRegional Management Corp.Direct Competitor349.57M37.208.369.7%7.4%13.16%4.65
LMND logoLMNDLemonade, Inc.Product Competitor4.52B58.84-25.5840.15%-16.92%-26.52%0.34
ROOT logoROOTRoot, Inc.Product Competitor728.69M51.9923.2128.95%3.7%15.88%0.51
HIPO logoHIPOHippo Holdings Inc.Product Competitor675.77M25.9611.6925.93%23.45%27.43%0.12
METC logoMETCRamaco Resources, Inc.Product Competitor759.75M13.99-13.58-19.46%-11.52%-13.44%0.04
VERX logoVERXVertex, Inc.Supply Chain1.8B11.1227812.25%-0.84%-2.53%1.39

Compare PRHI vs Peers

Presurance Holdings, Inc. (PRHI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HIFS

Most directly comparable listed peer for PRHI.

Scale Benchmark

vs OSCR

Larger-name benchmark to compare PRHI against a more recognizable public peer.

Peer Set

Compare Top 5

vs HIFS, WRLD, RM, LMND

PRHI Income Statement

Presurance Holdings, Inc. (PRHI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
96.35M94.19M94.63M103.49M115.96M101.48M89.97M66.3M36.94M32.52M
Revenue Growth %
-7.52%-2.24%0.47%9.36%12.05%-12.49%-11.34%-26.31%-44.28%-45.02%
Medical Costs & Claims
100.16M88.05M84.66M82.33M98.31M109.02M98.21M86.64M46.95M39.88M
Medical Cost Ratio %
103.96%93.48%89.46%79.56%84.78%107.43%109.16%130.68%127.08%122.64%
Gross Profit
-3.81M▲ 0%
6.14M▲ 260.9%
9.98M▲ 62.6%
21.16M▲ 112.0%
17.65M▼ 16.6%
-7.54M▼ 142.7%
-8.24M▼ 9.3%
-20.34M▼ 146.8%
-10M▲ 50.8%
-7.36M▲ 0%
Gross Margin %
-3.96%6.52%10.54%20.44%15.22%-7.43%-9.16%-30.68%-27.08%-22.64%
Gross Profit Growth %
-119.16%260.91%62.59%112.02%-16.56%-142.72%-9.28%-146.84%50.82%-
Operating Expenses
18.73M20.33M20.46M21.39M19.36M12.95M19.39M15.74M8.29M8.87M
OpEx / Revenue %
19.44%21.58%21.62%20.67%16.7%12.76%21.55%23.74%22.45%27.28%
Depreciation & Amortization
372K386K453K437K423K417K545K1.67M255K254K
Combined Ratio %
123.4%115.07%111.08%100.23%101.47%120.19%130.71%154.42%149.53%149.92%
Operating Income
-22.54M▲ 0%
-14.19M▲ 37.1%
-10.49M▲ 26.1%
-238K▲ 97.7%
-1.71M▼ 618.5%
-20.49M▼ 1098.2%
-27.63M▼ 34.9%
-36.08M▼ 30.6%
-18.3M▲ 49.3%
-16.23M▲ 0%
Operating Margin %
-23.4%-15.07%-11.08%-0.23%-1.47%-20.19%-30.71%-54.42%-49.53%-49.92%
Operating Income Growth %
-1458.83%37.05%26.1%97.73%-618.49%-1098.25%-34.86%-30.57%49.29%-
EBITDA
-22.17M-13.8M-10.03M199K-1.29M-20.07M-27.09M-34.41M-18.04M-15.98M
EBITDA Margin %
-23.01%-14.66%-10.6%0.19%-1.11%-19.78%-30.11%-51.9%-48.84%-49.14%
Interest Expense
1.36M2.64M2.88M2.92M2.85M2.97M3.21M4.88M3.19M4.62M
Non-Operating Income
-1.85M-7.37M-4.25M-2.92M-2.85M-2.97M-3.21M-4.88M-3.19M-4.62M
Pretax Income
-22.05M▲ 0%
-9.46M▲ 57.1%
-9.12M▲ 3.6%
601K▲ 106.6%
-886K▼ 247.4%
-20.12M▼ 2171.1%
-27.63M▼ 37.3%
-36.08M▼ 30.6%
-18.3M▲ 49.3%
-16.23M▲ 0%
Pretax Margin %
-22.89%-10.05%-9.64%0.58%-0.76%-19.83%-30.71%-54.42%-49.53%-49.92%
Income Tax
-447K52K-913K6K208K-9.44M-353K-1.84M141K103K
Effective Tax Rate %
2.03%-0.55%10.01%1%-23.48%46.92%1.28%5.1%-0.77%-0.63%
Net Income
-21.54M▲ 0%
-9.23M▲ 57.2%
-7.82M▲ 15.2%
595K▲ 107.6%
-1.09M▼ 283.9%
-10.68M▼ 876.3%
-25.9M▼ 142.5%
24.35M▲ 194.0%
-18.44M▼ 175.7%
-16.34M▲ 0%
Net Margin %
-22.36%-9.8%-8.27%0.57%-0.94%-10.53%-28.79%36.72%-49.91%-50.24%
Net Income Growth %
-155.33%57.17%15.23%107.61%-283.87%-876.33%-142.52%193.99%-175.73%-166.31%
EPS (Diluted)
-19.18▲ 0%
-7.56▲ 60.6%
-6.16▲ 18.5%
0.43▲ 107.0%
-0.77▼ 278.0%
-7.00▼ 809.1%
-14.84▼ 112.0%
13.51▲ 191.0%
-10.57▼ 178.2%
-9.36▲ 0%
EPS Growth %
-146.85%60.58%18.52%107.02%-277.99%-809.09%-112%191.04%-178.24%-171.33%
EPS (Basic)
-19.18-7.56-6.160.43-0.77-7.00-14.8413.51-10.57-
Diluted Shares Outstanding
1.12M1.22M1.27M1.38M1.38M1.53M1.75M1.75M1.75M1.75M

PRHI Balance Sheet

Presurance Holdings, Inc. (PRHI) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
239.03M232.75M247.26M261.6M290.4M312.35M311.8M281.66M239.28M236.61M
Asset Growth %
17.34%-2.63%6.24%5.8%11.01%7.56%-0.17%-9.67%-15.04%-37.9%
Total Investment Assets
157.65M140.1M169.73M183.21M182.73M137.4M288.26M128.42M114.31M4M
Long-Term Investments
9.69M10.74M169.73M183.21M182.73M137.4M145.31M128.42M1.28M173.66M
Short-Term Investments
147.96M129.37M162.43M165.32M172.8M136.13M142.95M126.82M113.03M77.6M
Total Current Assets
241.32M217.01M000090.24M032.88M32.01M
Cash & Equivalents
11.87M10.79M7.46M8.19M9.91M28.04M11.13M27.65M27.36M25.47M
Receivables
22.84M21.25M48.22M46.53M68.67M112.37M29.37M109.38M5.52M119.57M
Other Current Assets
57.56M53.78M-219.35M-221.35M-259.68M-292.93M-121.65M-269.94M-125.05M-87.23M
Goodwill & Intangibles
000000002.7M11.85M
Goodwill
0000000000
Intangible Assets
000000002.7M2.83M
PP&E (Net)
0000000000
Other Assets
-9.69M1.27M-169.73M-183.21M-182.73M-137.4M10.49M-128.42M-3.97M-39.29M
Total Liabilities
186.21M190.59M204.54M217.18M249.9M293.4M308.92M260.13M230.32M211.42M
Total Debt
29.03M33.5M35.82M41M33.56M33.88M25.06M11.93M26.57M20.25M
Net Debt
17.16M22.71M28.36M32.8M23.65M5.84M13.94M-15.72M-795K-5.22M
Long-Term Debt
29.03M33.5M33.82M36M33.56M33.88M25.06M11.93M26.57M20.25M
Short-Term Debt
002M5M000000
Total Current Liabilities
00000091.71M0198.7M186.05M
Accounts Payable
11.61M5.75M005.32M6.14M5.56M1K2.5M4.55M
Deferred Revenue
00000000023.46M
Other Current Liabilities
-11.61M-5.75M-2M-13.69M-5.32M-6.14M86.15M-1K196.2M158.05M
Deferred Taxes
0000000000
Other Liabilities
68.27M59.74M-33.82M-36M-33.56M-33.88M81.57M-11.93M5.05M5.12M
Total Equity
52.83M▲ 0%
42.16M▼ 20.2%
42.73M▲ 1.3%
44.41M▲ 4.0%
40.5M▼ 8.8%
18.95M▼ 53.2%
2.89M▼ 84.8%
21.52M▲ 645.1%
8.97M▼ 58.3%
25.19M▲ 0%
Equity Growth %
-22.08%-20.19%1.33%3.95%-8.8%-53.21%-84.75%645.07%-58.35%2412.98%
Shareholders Equity
52.83M42.16M42.73M44.41M40.5M18.95M2.89M21.52M8.97M25.19M
Minority Interest
0000000000
Retained Earnings
-33.01M-41.76M-49.58M-48.98M-50.08M-60.76M-86.68M-63.15M-81.59M-78.97M
Common Stock
86.2M86.53M91.82M92.49M92.69M97.91M98.1M98.18M100.16M113.92M
Accumulated OCI
-363K-2.61M489K912K-2.11M-18.2M-14.53M-13.5M-9.6M-9.76M
Return on Equity (ROE)
-35.72%-19.43%-18.43%1.37%-2.58%-35.93%-237.23%199.45%-120.94%-74.55%
Return on Assets (ROA)
-9.73%-3.91%-3.26%0.23%-0.4%-3.54%-8.3%8.21%-7.08%-6.26%
Equity / Assets
22.1%18.11%17.28%16.98%13.95%6.07%0.93%7.64%3.75%10.65%
Debt / Equity
0.55x0.79x0.84x0.92x0.83x1.79x8.67x0.55x2.96x0.80x
Book Value per Share
47.0034.5433.6832.3029.2512.411.6512.335.1314.43
Tangible BV per Share
47.0034.5433.6832.3029.2512.411.6512.333.5912.81

PRHI Cash Flow Statement

Presurance Holdings, Inc. (PRHI) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
9.09M-17.01M15.36M2.98M5.36M-40.47M-13.39M-32.68M-43.88M-36.93M
Operating CF Growth %
47.42%-287.11%190.32%-80.59%79.58%-855.82%66.91%-144.02%-34.28%186.07%
Operating CF / Revenue %
9.43%-18.06%16.23%2.88%4.62%-39.88%-14.88%-49.29%-118.79%-113.57%
Net Income
-21.54M-9.23M-7.82M595K-1.09M-10.68M-25.9M-34.24M-18.44M-16.34M
Depreciation & Amortization
372K386K453K437K423K417K545K1.67M-407K33K
Stock-Based Compensation
895K970K959K706K218K211K190K78K56K54K
Deferred Taxes
00000-9.4M328K000
Other Non-Cash Items
-22K-17K-1.41M-8.8M-12.8M-8.9M-3.89M557K-4.93M-4.53M
Working Capital Changes
29.39M-9.12M23.18M10.04M18.61M-12.12M15.34M-745K-20.16M-16.07M
Cash from Investing
-25.95M12.22M-25.01M-7.34M1.38M56.5M-272K70.29M28.09M37.87M
Capital Expenditures
-13K-86K-61K-78K000000
Acquisitions
00004M30.32M-934K58.28M10M0
Purchase of Investments
-218.49M-91.29M-157.24M-391.59M-226.79M-318.23M-234.87M-193.59M-301.15M-304.56M
Sale/Maturity of Investments
192.55M103.6M132.28M384.33M224.24M344.42M233.2M212.79M319.24M332.43M
Other Investing
0000-71K02.33M-7.18M010M
Cash from Financing
16.24M3.71M6.32M5.08M-5.01M2.09M-3.25M-21.09M15.5M14.25M
Dividends Paid
0000000-439K00
Share Repurchases
0-636K-676K-36K-12K0-3K00-7.5M
Stock Issued
5M05M005.01M001.92M14M
Debt Issuance (Net)
1000K1000K1000K1000K-1000K-1000K-1000K-1000K00
Other Financing
-1.01M-1.45M0000-2M007.25M
Net Change in Cash
-625K▲ 0%
-1.08M▼ 72.2%
-3.33M▼ 209.3%
729K▲ 121.9%
1.72M▲ 135.9%
18.12M▲ 953.6%
-16.91M▼ 193.3%
16.53M▲ 197.7%
-292K▼ 101.8%
15.19M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
12.49M11.87M10.79M7.46M8.19M9.91M28.04M11.13M27.65M27.36M
Cash at End
11.87M10.79M7.46M8.19M9.91M28.04M11.13M27.65M27.36M25.47M
Free Cash Flow
9.08M▲ 0%
-17.09M▼ 288.3%
15.3M▲ 189.5%
2.9M▼ 81.0%
5.36M▲ 84.4%
-40.47M▼ 855.8%
-13.39M▲ 66.9%
-32.68M▼ 144.0%
-43.88M▼ 34.3%
-36.93M▲ 0%
FCF Growth %
52.02%-288.32%189.51%-81.02%84.4%-855.82%66.91%-144.02%-34.28%34.19%
FCF Margin %
9.42%-18.15%16.17%2.81%4.62%-39.88%-14.88%-49.29%-118.79%-113.57%
FCF per Share
8.08-14.0112.062.113.87-26.5-7.67-18.72-25.13-21.15

PRHI Key Ratios

Presurance Holdings, Inc. (PRHI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
123.4%115.07%111.08%100.23%101.47%120.19%130.71%154.42%149.53%149.92%
Medical Cost Ratio
103.96%93.48%89.46%79.56%84.78%107.43%109.16%130.68%127.08%122.64%
Return on Equity (ROE)
-35.72%-19.43%-18.43%1.37%-2.58%-35.93%-237.23%199.45%-120.94%-74.55%
Return on Assets (ROA)
-9.73%-3.91%-3.26%0.23%-0.4%-3.54%-8.3%8.21%-7.08%-6.26%
Equity / Assets
22.1%18.11%17.28%16.98%13.95%6.07%0.93%7.64%3.75%10.65%
Book Value / Share
4734.5433.6832.329.2512.411.6512.335.1314.43
Debt / Equity
0.55x0.79x0.84x0.92x0.83x1.79x8.67x0.55x2.96x0.80x
Revenue Growth
-7.52%-2.24%0.47%9.36%12.05%-12.49%-11.34%-26.31%-44.28%-45.02%
Related:PRHI Dividend History·PRHI Revenue History·PRHI Price History·PRHI P/E History·PRHI Financial Ratios·PRHI Institutional Holders

PRHI SEC Filings & Documents

Presurance Holdings, Inc. (PRHI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 14, 2026·SEC

Material company update

Mar 30, 2026·SEC

Material company update

Mar 6, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 27, 2026·SEC

FY 2025

Mar 28, 2025·SEC

FY 2024

Apr 1, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 13, 2026·SEC

FY 2025

Nov 12, 2025·SEC

FY 2025

Aug 13, 2025·SEC

PRHI Frequently Asked Questions

Presurance Holdings, Inc. (PRHI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Presurance Holdings, Inc. (PRHI) saw revenue decline by 44.3% over the past year.

Presurance Holdings, Inc. (PRHI) reported a net loss of $16.3M for fiscal year 2025.

Dividend & Returns

Presurance Holdings, Inc. (PRHI) has a return on equity (ROE) of -120.9%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Presurance Holdings, Inc. (PRHI) has a combined ratio of 149.5%. A ratio above 100% means claims and expenses exceed premiums.

What if you invested $1,000 in PRHI back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

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