Presurance Holdings, Inc.(PRHI)Earnings, Financials & Key Ratios
PRHI•NASDAQ•Insurance & Managed Care
$0.66
$8M mkt cap·0.3× P/E·Price updated May 6, 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$66M-26.3%
- Combined Ratio154.42%+18.1%
- Net Income$24M+194.0%
- Return on Equity199.45%+184.1%
- Medical Cost Ratio130.68%+19.7%
- Operating Margin-54.42%-77.2%
- Net Margin36.72%+227.6%
- ROA8.21%+198.9%
- Equity / Assets7.64%+724.8%
- Book Value per Share1.76+644.9%
- Tangible BV/Share1.76+644.9%
- Debt/Equity0.55-93.6%
PRHI Key Insights
Presurance Holdings, Inc. (PRHI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Healthy dividend yield of 5.4%
- ✓Trading at only 0.4x book value
✗Weaknesses
- ✗Unprofitable underwriting: 154.4% combined ratio
- ✗Weak Piotroski F-Score: 3/9
- ✗High loss ratio of 130.7%
- ✗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.
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-0.5%
5 Years-6.87%
3 Years-17%
TTM-38.05%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-188.47%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-190.53%
Return on Capital
10 Years-4.43%
5 Years-6.44%
3 Years-10.5%
Last Year-12.16%
PRHI Peer Comparison
Presurance Holdings, Inc. (PRHI) competitors in Specialty and excess surplus insurers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HIFS | 632.2M | 289.70 | 22.54 | 14.09% | 9.79% | 3.47 | ||
 WRLD | 751.13M | 149.09 | 9.15 | -1.46% | 10.79% | 1.20 | ||
 RM | 328.61M | 34.97 | 7.86 | 9.7% | 13.16% | 4.65 | ||
 LMND | 4.07B | 53.00 | -23.04 | 40.15% | -16.92% | -26.52% | 0.34 | |
 ROOT | 771.58M | 55.05 | 24.58 | 28.95% | 3.59% | 15.42% | 0.51 | |
 HIPO | 712.99M | 27.39 | 12.34 | 25.93% | 23.45% | 27.43% | 0.12 | |
 METC | 778.96M | 15.65 | -15.19 | -19.46% | -9.59% | -10.64% | 0.04 | |
 VERX | 2.02B | 12.65 | 316.13 | 12.25% | 0.96% | 2.97% | 1.39 |
Compare PRHI vs Peers
Presurance Holdings, Inc. (PRHI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PRHI Income Statement
Presurance Holdings, Inc. (PRHI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 104.19M | 96.35M | 94.19M | 94.63M | 103.49M | 115.96M | 101.48M | 89.97M | 66.3M | 42.69M |
| Revenue Growth % | 24.58% | -7.52% | -2.24% | 0.47% | 9.36% | 12.05% | -12.49% | -11.34% | -26.31% | -38.05% |
| Medical Costs & Claims | 84.28M | 100.16M | 88.05M | 84.66M | 82.33M | 98.31M | 109.02M | 98.21M | 86.64M | 56.69M |
| Medical Cost Ratio % | 80.9% | 103.96% | 93.48% | 89.46% | 79.56% | 84.78% | 107.43% | 109.16% | 130.68% | 132.79% |
| Gross Profit | 19.9M▲ 0% | -3.81M▼ 119.2% | 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% | -20.68M▲ 0% |
| Gross Margin % | 19.1% | -3.96% | 6.52% | 10.54% | 20.44% | 15.22% | -7.43% | -9.16% | -30.68% | -48.43% |
| Gross Profit Growth % | -30.33% | -119.16% | 260.91% | 62.59% | 112.02% | -16.56% | -142.72% | -9.28% | -146.84% | - |
| Operating Expenses | 18.24M | 18.73M | 20.33M | 20.46M | 21.39M | 19.36M | 12.95M | 19.39M | 15.74M | 12.59M |
| OpEx / Revenue % | 17.51% | 19.44% | 21.58% | 21.62% | 20.67% | 16.7% | 12.76% | 21.55% | 23.74% | 29.48% |
| Depreciation & Amortization | 401K | 372K | 386K | 453K | 437K | 423K | 417K | 545K | 1.67M | 587K |
| Combined Ratio % | 98.41% | 123.4% | 115.07% | 111.08% | 100.23% | 101.47% | 120.19% | 130.71% | 154.42% | 162.27% |
| Operating Income | 1.66M▲ 0% | -22.54M▼ 1458.8% | -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% | -26.58M▲ 0% |
| Operating Margin % | 1.59% | -23.4% | -15.07% | -11.08% | -0.23% | -1.47% | -20.19% | -30.71% | -54.42% | -62.27% |
| Operating Income Growth % | -87.23% | -1458.83% | 37.05% | 26.1% | 97.73% | -618.49% | -1098.25% | -34.86% | -30.57% | - |
| EBITDA | 2.06M | -22.17M | -13.8M | -10.03M | 199K | -1.29M | -20.07M | -27.09M | -34.41M | -26M |
| EBITDA Margin % | 1.98% | -23.01% | -14.66% | -10.6% | 0.19% | -1.11% | -19.78% | -30.11% | -51.9% | -60.89% |
| Interest Expense | 647K | 1.36M | 2.64M | 2.88M | 2.92M | 2.85M | 2.97M | 3.21M | 4.88M | 3.14M |
| Non-Operating Income | 9.65M | -1.85M | -7.37M | -4.25M | -2.92M | -2.85M | -2.97M | -3.21M | -4.88M | -2.27M |
| Pretax Income | -8.64M▲ 0% | -22.05M▼ 155.2% | -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% | -26.58M▲ 0% |
| Pretax Margin % | -8.3% | -22.89% | -10.05% | -9.64% | 0.58% | -0.76% | -19.83% | -30.71% | -54.42% | -62.27% |
| Income Tax | -77K | -447K | 52K | -913K | 6K | 208K | -9.44M | -353K | -1.84M | 11K |
| Effective Tax Rate % | 0.89% | 2.03% | -0.55% | 10.01% | 1% | -23.48% | 46.92% | 1.28% | 5.1% | -0.04% |
| Net Income | -8.44M▲ 0% | -21.54M▼ 155.3% | -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% | -26.78M▲ 0% |
| Net Margin % | -8.1% | -22.36% | -9.8% | -8.27% | 0.57% | -0.94% | -10.53% | -28.79% | 36.72% | -62.73% |
| Net Income Growth % | -13282.81% | -155.33% | 57.17% | 15.23% | 107.61% | -283.87% | -876.33% | -142.52% | 193.99% | -188.47% |
| EPS (Diluted) | -1.11▲ 0% | -2.74▼ 146.8% | -1.08▲ 60.6% | -0.88▲ 18.5% | 0.06▲ 107.0% | -0.11▼ 278.0% | -1.00▼ 809.1% | -2.12▼ 112.0% | 1.93▲ 191.0% | -2.19▲ 0% |
| EPS Growth % | -1133.33% | -146.85% | 60.58% | 18.52% | 107.02% | -277.99% | -809.09% | -112% | 191.04% | -190.53% |
| EPS (Basic) | -1.11 | -2.74 | -1.08 | -0.88 | 0.06 | -0.11 | -1.00 | -2.12 | 1.93 | - |
| Diluted Shares Outstanding | 7.62M | 7.87M | 8.54M | 8.88M | 9.63M | 9.69M | 10.69M | 12.22M | 12.22M | 12.22M |
PRHI Balance Sheet
Presurance Holdings, Inc. (PRHI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 203.7M | 239.03M | 232.75M | 247.26M | 261.6M | 290.4M | 312.35M | 311.8M | 281.66M | 285M |
| Asset Growth % | 14.49% | 17.34% | -2.63% | 6.24% | 5.8% | 11.01% | 7.56% | -0.17% | -9.67% | -25.9% |
| Total Investment Assets | 139.32M | 157.65M | 140.1M | 169.73M | 183.21M | 182.73M | 137.4M | 288.26M | 128.42M | 4M |
| Long-Term Investments | 128.53M | 9.69M | 10.74M | 169.73M | 183.21M | 182.73M | 137.4M | 145.31M | 128.42M | 403.55M |
| Short-Term Investments | 10.79M | 147.96M | 129.37M | 162.43M | 165.32M | 172.8M | 136.13M | 142.95M | 126.82M | 0 |
| Total Current Assets | 141.02M | 241.32M | 217.01M | 0 | 0 | 0 | 0 | 90.24M | 0 | 14.92M |
| Cash & Equivalents | 12.49M | 11.87M | 10.79M | 7.46M | 8.19M | 9.91M | 28.04M | 11.13M | 27.65M | 7.41M |
| Receivables | 0 | 22.84M | 21.25M | 48.22M | 46.53M | 68.67M | 112.37M | 29.37M | 109.38M | 328.46M |
| Other Current Assets | 0 | 57.56M | 53.78M | -219.35M | -221.35M | -259.68M | -292.93M | -121.65M | -269.94M | 0 |
| 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 | -65.85M | -9.69M | 1.27M | -169.73M | -183.21M | -182.73M | -137.4M | 0 | -128.42M | 0 |
| Total Liabilities | 135.91M | 186.21M | 190.59M | 204.54M | 217.18M | 249.9M | 293.4M | 308.92M | 260.13M | 259.69M |
| Total Debt | 17.75M | 29.03M | 33.5M | 35.82M | 41M | 33.56M | 33.88M | 25.06M | 11.93M | 0 |
| Net Debt | 5.26M | 17.16M | 22.71M | 28.36M | 32.8M | 23.65M | 5.84M | 13.94M | -15.72M | -7.41M |
| Long-Term Debt | 17.75M | 29.03M | 33.5M | 33.82M | 36M | 33.56M | 33.88M | 25.06M | 11.93M | 0 |
| Short-Term Debt | 0 | 0 | 0 | 2M | 5M | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 91.71M | 0 | 0 |
| Accounts Payable | 5.38M | 11.61M | 5.75M | 0 | 0 | 5.32M | 6.14M | 5.56M | 1K | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -5.38M | -11.61M | -5.75M | -2M | -13.69M | -5.32M | -6.14M | 86.15M | -1K | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 61.48M | 68.27M | 59.74M | -33.82M | -36M | -33.56M | -33.88M | 81.57M | -11.93M | 0 |
| Total Equity | 67.79M▲ 0% | 52.83M▼ 22.1% | 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% | 25.3M▲ 0% |
| Equity Growth % | -12.25% | -22.08% | -20.19% | 1.33% | 3.95% | -8.8% | -53.21% | -84.75% | 645.07% | 4017.74% |
| Shareholders Equity | 67.79M | 52.83M | 42.16M | 42.73M | 44.41M | 40.5M | 18.95M | 2.89M | 21.52M | 25.3M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | -11.47M | -33.01M | -41.76M | -49.58M | -48.98M | -50.08M | -60.76M | -86.68M | -63.15M | -64.55M |
| Common Stock | 80.34M | 86.2M | 86.53M | 91.82M | 92.49M | 92.69M | 97.91M | 98.1M | 98.18M | 100.14M |
| Accumulated OCI | -1.08M | -363K | -2.61M | 489K | 912K | -2.11M | -18.2M | -14.53M | -13.5M | -10.29M |
| Return on Equity (ROE) | -11.63% | -35.72% | -19.43% | -18.43% | 1.37% | -2.58% | -35.93% | -237.23% | 199.45% | -105.83% |
| Return on Assets (ROA) | -4.42% | -9.73% | -3.91% | -3.26% | 0.23% | -0.4% | -3.54% | -8.3% | 8.21% | -9.4% |
| Equity / Assets | 33.28% | 22.1% | 18.11% | 17.28% | 16.98% | 13.95% | 6.07% | 0.93% | 7.64% | 8.88% |
| Debt / Equity | 0.26x | 0.55x | 0.79x | 0.84x | 0.92x | 0.83x | 1.79x | 8.67x | 0.55x | 0.55x |
| Book Value per Share | 8.90 | 6.71 | 4.93 | 4.81 | 4.61 | 4.18 | 1.77 | 0.24 | 1.76 | 2.07 |
| Tangible BV per Share | 8.90 | 6.71 | 4.93 | 4.81 | 4.61 | 4.18 | 1.77 | 0.24 | 1.76 | 2.07 |
PRHI Cash Flow Statement
Presurance Holdings, Inc. (PRHI) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 6.17M | 9.09M | -17.01M | 15.36M | 2.98M | 5.36M | -40.47M | -13.39M | -32.68M | -32.68M |
| Operating CF Growth % | 296.62% | 47.42% | -287.11% | 190.32% | -80.59% | 79.58% | -855.82% | 66.91% | -144.02% | -178.18% |
| Operating CF / Revenue % | 5.92% | 9.43% | -18.06% | 16.23% | 2.88% | 4.62% | -39.88% | -14.88% | -49.29% | -76.55% |
| Net Income | -8.44M | -21.54M | -9.23M | -7.82M | 595K | -1.09M | -10.68M | -25.9M | -34.24M | -26.78M |
| Depreciation & Amortization | 401K | 372K | 386K | 453K | 437K | 423K | 417K | 545K | 1.67M | 450K |
| Stock-Based Compensation | 856K | 895K | 970K | 959K | 706K | 218K | 211K | 190K | 78K | 46K |
| Deferred Taxes | -147K | 0 | 0 | 0 | 0 | 0 | -9.4M | 328K | 0 | 0 |
| Other Non-Cash Items | -506K | -22K | -17K | -1.41M | -8.8M | -12.8M | -8.9M | -3.89M | 557K | -11.89M |
| Working Capital Changes | 14M | 29.39M | -9.12M | 23.18M | 10.04M | 18.61M | -12.12M | 15.34M | -745K | -708K |
| Cash from Investing | -10.75M | -25.95M | 12.22M | -25.01M | -7.34M | 1.38M | 56.5M | -272K | 70.29M | 10.72M |
| Capital Expenditures | -195K | -13K | -86K | -61K | -78K | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 4M | 30.32M | -934K | 58.28M | 1000K |
| Purchase of Investments | -166.97M | -218.49M | -91.29M | -157.24M | -391.59M | -226.79M | -318.23M | -234.87M | -193.59M | -291.52M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 4M |
| Other Investing | 0 | 0 | 0 | 0 | 0 | -71K | 0 | 2.33M | -7.18M | 10M |
| Cash from Financing | 4.38M | 16.24M | 3.71M | 6.32M | 5.08M | -5.01M | 2.09M | -3.25M | -21.09M | 3M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -439K | 397K |
| Share Repurchases | -625K | 0 | -636K | -676K | -36K | -12K | 0 | -3K | 0 | 0 |
| Stock Issued | 0 | 5M | 0 | 5M | 0 | 0 | 5.01M | 0 | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K |
| Other Financing | 0 | -1.01M | -1.45M | 0 | 0 | 0 | 0 | -2M | 0 | 1.92M |
| Net Change in Cash | -210K▲ 0% | -625K▼ 197.6% | -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% | -24.98M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 12.7M | 12.49M | 11.87M | 10.79M | 7.46M | 8.19M | 9.91M | 28.04M | 11.13M | 21.95M |
| Cash at End | 12.49M | 11.87M | 10.79M | 7.46M | 8.19M | 9.91M | 28.04M | 11.13M | 27.65M | 7.41M |
| Free Cash Flow | 5.97M▲ 0% | 9.08M▲ 52.0% | -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% | -38.7M▲ 0% |
| FCF Growth % | 280.78% | 52.02% | -288.32% | 189.51% | -81.02% | 84.4% | -855.82% | 66.91% | -144.02% | -47.28% |
| FCF Margin % | 5.73% | 9.42% | -18.15% | 16.17% | 2.81% | 4.62% | -39.88% | -14.88% | -49.29% | -90.65% |
| FCF per Share | 0.78 | 1.15 | -2 | 1.72 | 0.3 | 0.55 | -3.79 | -1.1 | -2.67 | -2.67 |
PRHI Key Ratios
Presurance Holdings, Inc. (PRHI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 98.41% | 123.4% | 115.07% | 111.08% | 100.23% | 101.47% | 120.19% | 130.71% | 154.42% | 162.27% |
| Medical Cost Ratio | 80.9% | 103.96% | 93.48% | 89.46% | 79.56% | 84.78% | 107.43% | 109.16% | 130.68% | 132.79% |
| Return on Equity (ROE) | -11.63% | -35.72% | -19.43% | -18.43% | 1.37% | -2.58% | -35.93% | -237.23% | 199.45% | -105.83% |
| Return on Assets (ROA) | -4.42% | -9.73% | -3.91% | -3.26% | 0.23% | -0.4% | -3.54% | -8.3% | 8.21% | -9.4% |
| Equity / Assets | 33.28% | 22.1% | 18.11% | 17.28% | 16.98% | 13.95% | 6.07% | 0.93% | 7.64% | 8.88% |
| Book Value / Share | 8.9 | 6.71 | 4.93 | 4.81 | 4.61 | 4.18 | 1.77 | 0.24 | 1.76 | 2.07 |
| Debt / Equity | 0.26x | 0.55x | 0.79x | 0.84x | 0.92x | 0.83x | 1.79x | 8.67x | 0.55x | 0.55x |
| Revenue Growth | 24.58% | -7.52% | -2.24% | 0.47% | 9.36% | 12.05% | -12.49% | -11.34% | -26.31% | -38.05% |
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 26.3% over the past year.
Presurance Holdings, Inc. (PRHI) reported a net loss of $26.8M for fiscal year 2024.
Dividend & Returns
Yes, Presurance Holdings, Inc. (PRHI) pays a dividend with a yield of 5.44%. 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.
Industry Metrics
Presurance Holdings, Inc. (PRHI) has a combined ratio of 154.4%. A ratio above 100% means claims and expenses exceed premiums.
Explore More PRHI
Presurance Holdings, Inc. (PRHI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates