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Presurance Holdings, Inc.(PRHI)Earnings, Financials & Key Ratios
PRHI•NASDAQ•Insurance & Managed Care
$5.12
Price updated Jul 7, 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 Price & Volume
Presurance Holdings, Inc. (PRHI) stock price & volume — 10-year historical chart
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Structural Underwriting Deficits Threaten Long-Term Solvency
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Insolvent underwriting and capital erosion
Key Thesis Takeaways
- Presurance Holdings faces a precarious outlook characterized by persistent revenue contraction, which saw a 38.5% year-over-year decline in 2026Q1, and structural underwriting losses that frequently push the combined ratio above 100%.
- The company's reliance on aggressive asset liquidation to fund operations, evidenced by $100.6M in investment sales during 2025Q4, suggests a fundamental inability to generate organic cash flow.
- Investors should remain cautious as the erosion of the equity base to $25.2M in 2026Q1 leaves the firm with minimal buffer against further claims volatility.
Verdict Logic
the company's inability to maintain positive operating cash flow, coupled with a 38.5% revenue contraction in 2026Q1, indicates a high risk of continued capital erosion.
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-171.18%
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
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
May 13, 2026Metric
Actual
Est
EPS
$0.15
—
Rev
$12M
—
Q2 2026
Mar 27, 2026Metric
Actual
Est
EPS
$1.24-12500.0%
$0.01
Rev
$7M-71.1%
$23M
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.22-2300.0%
$0.01
Rev
$7M-69.9%
$22M
Q3 2025
Aug 13, 2025Metric
Actual
Est
EPS
$0.17-1800.0%
$0.01
Rev
$16M-26.0%
$22M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $0.15 | $12M |
| Q2 2026 | Mar 27, 2026 | $1.24vs $0.01-12500.0% | $7Mvs $23M-71.1% |
| Q4 2025 | Nov 12, 2025 | $0.22vs $0.01-2300.0% | $7Mvs $22M-69.9% |
| Q3 2025 | Aug 13, 2025 | $0.17vs $0.01-1800.0% | $16Mvs $22M-26.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Presurance Holdings, Inc. (PRHI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $5.12 | $9.85M | -0.48 | -44.28% | -49.91% | -120.94% | — | |
| $293.92 | $640.82M | 11.87 | 8.92% | 22.1% | 10.76% | — | |
| $199.11 | $923.93M | 28.94 | 3.7% | 5.98% | 9.36% | — | |
| $41.88 | $393.54M | 9.41 | 9.7% | 7.4% | 13.16% | — | |
| $77.59 | $5.96B | -33.73 | 40.15% | -16.92% | -26.52% | — | |
| $63.60 | $891.41M | 28.39 | 28.95% | 3.7% | 15.88% | — |
Compare PRHI vs Peers
Presurance Holdings, Inc. (PRHI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PRHI SEC Filings & Documents
Presurance Holdings, Inc. (PRHI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PRHI Frequently Asked Questions
Presurance Holdings, Inc. (PRHI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Presurance Holdings, Inc. growing?
Presurance Holdings, Inc. (PRHI) saw revenue decline by 44.3% over the past year.
Is PRHI profitable?
Presurance Holdings, Inc. (PRHI) reported a net loss of $16.3M for fiscal year 2025.
Dividend & Returns
What is PRHI's return on equity?
Presurance Holdings, Inc. (PRHI) has a return on equity (ROE) of -120.9%. Negative ROE indicates the company is unprofitable.
Industry Metrics
What is Presurance Holdings, Inc.'s combined ratio?
Presurance Holdings, Inc. (PRHI) has a combined ratio of 149.5%. A ratio above 100% means claims and expenses exceed premiums.