Latest Ratios: P/E Ratio -0.5x · EV/EBITDA N/A · ROE -120.9%. (2013–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $10M | $9M | $14M | $13M | $17M | $22M | $32M | $36M | $30M | $46M | $62M |
| Enterprise Value | $9M | $8M | $-1421228 | $27M | $23M | $46M | $64M | $64M | $53M | $63M | $67M |
| P/E Ratio → | -0.49 | — | 0.61 | — | — | — | 53.24 | — | — | — | — |
| P/S Ratio | 0.27 | 0.24 | 0.22 | 0.15 | 0.17 | 0.19 | 0.31 | 0.38 | 0.32 | 0.47 | 0.60 |
| P/B Ratio | 1.00 | 0.97 | 0.66 | 4.65 | 0.89 | 0.56 | 0.71 | 0.83 | 0.71 | 0.86 | 0.92 |
| P/FCF | — | — | — | — | — | 4.20 | 10.90 | 2.32 | — | 5.03 | 10.40 |
| P/OCF | — | — | — | — | — | 4.20 | 10.62 | 2.31 | — | 5.02 | 10.07 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.21 | -0.02 | 0.30 | 0.22 | 0.40 | 0.62 | 0.68 | 0.56 | 0.65 | 0.65 |
| EV / EBITDA | — | — | — | — | — | — | 323.97 | — | — | — | 32.69 |
| EV / EBIT | — | — | — | — | — | 40.40 | 23.99 | — | — | — | — |
| EV / FCF | — | — | — | — | — | 8.62 | 22.20 | 4.18 | — | 6.92 | 11.28 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | -27.1% | -27.1% | -30.7% | -9.2% | -7.4% | 15.2% | 20.4% | 10.5% | 6.5% | -4.0% | 19.1% |
| Operating Margin | -49.5% | -49.5% | -54.4% | -30.7% | -20.2% | -1.5% | -0.2% | -11.1% | -15.1% | -23.4% | 1.6% |
| Net Profit Margin | -49.9% | -49.9% | 36.7% | -28.8% | -10.5% | -0.9% | 0.6% | -8.3% | -9.8% | -22.4% | -8.1% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -120.9% | -120.9% | 199.5% | -237.2% | -35.9% | -2.6% | 1.4% | -18.4% | -19.4% | -35.7% | -11.6% |
| ROA | -7.1% | -7.1% | 8.2% | -8.3% | -3.5% | -0.4% | 0.2% | -3.3% | -3.9% | -9.7% | -4.4% |
| ROIC | -196.4% | -196.4% | -239.2% | -99.6% | -34.6% | -1.8% | -0.2% | -11.6% | -15.8% | -23.6% | 1.7% |
| ROCE | -29.6% | -29.6% | -12.2% | -12.5% | -6.8% | -0.6% | -0.1% | -4.4% | -6.0% | -10.2% | 0.9% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.96 | 2.96 | 0.55 | 8.67 | 1.79 | 0.83 | 0.92 | 0.84 | 0.79 | 0.55 | 0.26 |
| Debt / EBITDA | — | — | — | — | — | — | 206.02 | — | — | — | 8.62 |
| Net Debt / Equity | — | -0.09 | -0.73 | 4.82 | 0.31 | 0.58 | 0.74 | 0.66 | 0.54 | 0.32 | 0.08 |
| Net Debt / EBITDA | — | — | — | — | — | — | 164.84 | — | — | — | 2.55 |
| Debt / FCF | — | — | — | — | — | 4.42 | 11.30 | 1.85 | — | 1.89 | 0.88 |
| Interest Coverage | -4.74 | -4.74 | -6.39 | -7.62 | -5.90 | 0.40 | 0.92 | -2.16 | -2.58 | -15.19 | -12.36 |
Net cash position: cash ($27M) exceeds total debt ($27M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.17 | 0.17 | — | 0.98 | — | — | — | — | — | — | — |
| Quick Ratio | 0.17 | 0.17 | — | 0.98 | — | — | — | — | — | — | — |
| Cash Ratio | 0.71 | 0.71 | — | 1.68 | — | — | — | — | — | — | — |
| Asset Turnover | — | 0.15 | 0.24 | 0.29 | 0.32 | 0.40 | 0.40 | 0.38 | 0.40 | 0.40 | 0.51 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 3.1% | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 165.0% | — | — | — | 1.9% | — | — | — | — |
| FCF Yield | — | — | — | — | — | 23.8% | 9.2% | 43.1% | — | 19.9% | 9.6% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% | 0.1% | 1.9% | 2.1% | 0.0% | 1.0% |
| Total Shareholder Yield | 0.0% | 0.0% | 3.1% | 0.0% | 0.0% | 0.1% | 0.1% | 1.9% | 2.1% | 0.0% | 1.0% |
| Shares Outstanding | — | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M |
Insolvent underwriting and capital erosion
As reported in financial statements, PRHI trades at a P/B of 0.97, a multiple that appears to reflect deep market skepticism regarding the company's ability to stabilize its equity base rather than an attractive entry point for a distressed insurance franchise.
The current P/B ratio suggests that investors are pricing the company near its liquidation value, which is consistent with the persistent erosion of book value observed over the last ten quarters. This valuation implies that the market views the existing underwriting portfolio as a liability rather than an asset, warranting extreme caution for those seeking value in the specialty P&C space.
Based on historical data, the combined ratio has exhibited extreme volatility, peaking at 151.5% in 2024Q3, which indicates that the core underwriting business is fundamentally failing to generate profit and remains highly susceptible to adverse loss development and catastrophe exposure.
The erratic swings in the combined ratio suggest that the company's pricing models may be inadequate for the risks it assumes in its niche markets. When the combined ratio consistently exceeds 100%, it implies that every dollar of premium written is effectively destroying shareholder capital, making the current underwriting strategy appear unsustainable.
According to recent SEC filings, the company's liability-to-equity profile has reached a precarious state, with liabilities of $230.3M against a shrinking $9.0M equity base, suggesting that the firm is operating with excessive underwriting leverage that leaves virtually no margin for operational error.
This level of leverage indicates that even minor deviations in loss experience could lead to a total depletion of surplus. Investors should monitor whether the company is forced to further restrict its premium writings to satisfy regulatory capital requirements, which would likely accelerate the current revenue contraction.
As indicated by the extreme quarterly fluctuations, the Return on Equity (ROE) is a deeply misleading metric for PRHI, as it is frequently distorted by non-recurring reserve releases and asset liquidations rather than reflecting sustainable underwriting profitability.
Analysts often misapply ROE to insurers like PRHI without adjusting for the volatility of reserve development, which can artificially inflate or deflate earnings in any given quarter. A more appropriate focus would be the underlying loss ratio trend, which strips away the noise of accounting adjustments and reveals the true, deteriorating health of the underwriting book.
Includes 30+ ratios · 13 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying PRHI stock.
Presurance Holdings, Inc.'s current P/E ratio is -0.5x. The historical average is 26.9x.
Presurance Holdings, Inc.'s return on equity (ROE) is -120.9%. The historical average is -23.0%.
Based on historical data, Presurance Holdings, Inc. is trading at a P/E of -0.5x. Compare with industry peers and growth rates for a complete picture.
Presurance Holdings, Inc. has -27.1% gross margin and -49.5% operating margin.