Latest Ratios: P/E Ratio -1.8x · 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 | $34M | — | — | — | — | — | — | — | — | — | — |
| Enterprise Value | $33M | — | — | — | — | — | — | — | — | — | — |
| P/E Ratio → | -1.82 | — | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 0.91 | — | — | — | — | — | — | — | — | — | — |
| P/B Ratio | 3.74 | — | — | — | — | — | — | — | — | — | — |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
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 | — | — | — | — | — | — | — | — | — | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
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 | — | — | — | — | — | — | — | — | — | — | — |
| 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 | — | — | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M |
Insolvent underwriting model risk
Based on reported figures, the company trades at a P/S ratio of 0.91, which appears disconnected from the underlying reality of a 44% revenue contraction and negative TTM P/E of -1.82, suggesting that the market may be mispricing the entity as a viable going concern.
The current valuation multiples reflect a market struggling to reconcile the company's shrinking revenue base with its precarious financial position. Investors should monitor whether the P/B ratio of 3.74 is supported by tangible assets or if it represents an overvaluation of a balance sheet hollowed out by persistent underwriting losses.
As reported in financial statements, the company's ROIC has suffered a severe decline, swinging from positive territory to -57.2% in 2025Q4, which indicates that the firm is failing to generate any meaningful return on the capital deployed into its insurance underwriting operations.
The volatility in ROIC, including the -97.0% reading in 2024Q4, suggests that the company's capital allocation strategy is failing to overcome the structural drag of its negative underwriting margins. This trend warrants further investigation into whether the firm can ever achieve a cost of capital that justifies its continued existence.
According to recent data, the company's asset turnover remains critically low at 0.02x, which, when combined with a ballooning DSO that reached 561 days in 2025Q3, suggests a fundamental breakdown in the firm's ability to efficiently convert its insurance premiums into cash.
The extreme length of the collection cycle implies that the company is either facing significant delays in premium processing or is struggling with the recoverability of its receivables. This inefficiency exacerbates the liquidity strain, as the firm is forced to fund its operations while waiting for cash that may be increasingly difficult to collect.
Based on the most recent quarterly filings, the company's current ratio has plummeted to 0.17, indicating that the firm lacks the liquid assets necessary to cover its short-term liabilities, a position that appears significantly weaker than industry peers with more robust capital buffers.
The rapid deterioration of the quick ratio to 0.17 suggests that the company is highly vulnerable to any sudden spike in claims or liquidity demands. Investors should be concerned that the firm's reliance on external financing may become unsustainable if the current cash burn rate continues to erode the remaining liquidity.
The P/B ratio is frequently misapplied to this business model, as it obscures the reality that the company's book value is likely composed of intangible assets or deferred tax items rather than the liquid capital required to support insurance underwriting and claims settlement.
Analysts should instead focus on the 'Combined Ratio' and the adequacy of loss reserves, as these metrics provide a more accurate picture of the firm's solvency than a simple P/B multiple. Relying on P/B in this context may lead to a false sense of security regarding the company's ability to absorb future underwriting losses.
Includes 30+ ratios · 13 years · Updated daily
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Quick answers to the most common questions about buying PRHIZ stock.
Presurance Holdings, Inc. 9.75% Senior Unsecured Notes due 2028's current P/E ratio is -1.8x. This places it at the 50th percentile of its historical range.
Presurance Holdings, Inc. 9.75% Senior Unsecured Notes due 2028's return on equity (ROE) is -120.9%. The historical average is -23.0%.
Based on historical data, Presurance Holdings, Inc. 9.75% Senior Unsecured Notes due 2028 is trading at a P/E of -1.8x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Presurance Holdings, Inc. 9.75% Senior Unsecured Notes due 2028 has -27.1% gross margin and -49.5% operating margin.