Presurance Holdings (PRHI) AI Stock Analysis

• Market Cap: $8.31M
• Dividend Yield: N/A
• Average Volume (3M): 3.12M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.26
• Revenue Growth: -39.40%
• EPS Growth: -190.92%
• Country: US
• Employees: 9
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): -0.33
• Shares Outstanding: 12,222,881
• 10 Day Avg. Volume: 4,058,167
• 30 Day Avg. Volume: 3,118,211
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 0.22
• P/FCF Ratio: -0.44
• Enterprise Value/Market Cap: 0.17
• Enterprise Value/Revenue: 0.03
• Enterprise Value/Gross Profit: -0.07
• Enterprise Value/Ebitda: -0.07
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 42 Neutral
• Price Target: $0.75 ▲(7.57% Upside)

The score is pressured primarily by weak financial performance (TTM losses, contracting revenue, and significant cash burn). Technicals also reflect a persistent downtrend with negative momentum. Balance-sheet improvement (zero debt and higher equity versus 2023) provides some support but is outweighed by ongoing operating and cash-flow weakness.

Positive Factors

Diversified insurance products & partnerships

A multi-line insurance model and formal reinsurance arrangements lower concentration and underwriting volatility over time. Strategic partnerships and technology focus support distribution scale and operational efficiency, giving durable avenues to expand customer reach and improve unit economics.

Material balance-sheet improvement

Zero reported debt and rebuilt equity materially reduce solvency and liquidity risk, increasing financial flexibility for underwriting and capital raises. This structural deleveraging provides a firmer foundation to absorb underwriting cycles and pursue operational fixes over months.

Sizable asset base for reserves

A substantial asset base supports reserve requirements and investment income potential, allowing the firm to meet regulatory and claims obligations while underwriting. This scale of assets provides a structural buffer that sustains operations through adverse cycles if capital is preserved.

Negative Factors

Persistent negative operating cash flow

Sustained negative operating and free cash flow indicates the business is not self-funding its operations, increasing reliance on external capital. Over time this erodes liquidity, pressures reserves, and can force higher-cost financing or asset sales, constraining long-term underwriting capacity.

Falling revenue and weak profitability

Sharp revenue decline and persistent operating losses undermine scalability and the ability to rebuild capital through internal earnings. Without structural improvements to underwriting or distribution, declining top-line and margins will limit reinvestment and prolong capital erosion risk.

High-cost preferred financing with seniority

Raising $8M via 15% preferred that ranks senior to common increases near-term cash burden and prioritizes preferred holders. The high coupon and near-term maturity can force refinancing or cash allocation away from operations, signaling constrained access to lower-cost capital.

Presurance Holdings Business Overview & Revenue Model

Company Description

An 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.

How the Company Makes Money

Presurance Holdings generates revenue through multiple streams, primarily by underwriting insurance policies and collecting premiums from its customers. The company offers a diverse range of insurance products, which allows it to capitalize on different market segments and demographics. Additionally, PRHI invests in reinsurance agreements to mitigate risk, enabling them to maintain profitability even in adverse scenarios. Strategic partnerships with technology providers and healthcare organizations further enhance their service offerings and expand their customer base. The company also benefits from a claims management process that emphasizes efficiency, reducing operational costs and improving margins. Overall, PRHI's revenue model is built on a combination of premium collections, investment income from reserves, and strategic collaborations that drive growth and profitability.

Presurance Holdings Financial Statement Overview

Summary

Overall fundamentals are weak: TTM profitability has deteriorated to a large net loss with deeply negative operating results and shrinking revenue (~18% TTM). Cash flow is a major risk with deeply negative operating and free cash flow. The main offset is an improved balance sheet (zero total debt shown in TTM and equity rebuilt to ~$25M), but ongoing losses/cash burn could erode capital.

Income Statement

Profitability has deteriorated materially in TTM (Trailing-Twelve-Months), with a large net loss and deeply negative operating earnings and margins. Revenue is also shrinking sharply (down ~18% in TTM), continuing a multi-year downtrend from 2021–2024. While 2024 showed positive net income, operating profitability remained negative, suggesting earnings quality and underwriting/operating performance remain key issues.

Balance Sheet

Leverage has improved meaningfully versus prior years: total debt is shown at zero in TTM (Trailing-Twelve-Months) and equity has rebuilt to ~$25M, reducing balance-sheet strain compared with 2023 when debt was very high relative to equity. That said, returns on equity are highly volatile and currently very weak (TTM shows a large negative return), indicating the capital base is not being productively deployed. Overall assets are sizable (~$285M), but profitability pressure raises risk of future capital erosion.

Cash Flow

Cash generation is a major weakness: operating cash flow and free cash flow are deeply negative in TTM (Trailing-Twelve-Months) and worsened versus 2024, extending a pattern of mostly negative operating cash flow since 2022. The company is not currently self-funding operations, which can increase reliance on balance-sheet liquidity or external capital if conditions persist. A prior period of positive cash flow (2020–2021) provides some historical support, but the recent trajectory is unfavorable.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	42.69M	66.30M	89.97M	101.48M	115.96M	103.49M
Gross Profit	-20.68M	-20.34M	-8.24M	-7.54M	17.65M	21.16M
EBITDA	-19.76M	-29.53M	-23.88M	-17.10M	1.56M	3.12M
Net Income	-26.78M	24.35M	-25.90M	-10.68M	-1.09M	595.00K
Balance Sheet
Total Assets	285.00M	281.66M	311.80M	312.35M	290.40M	261.60M
Cash, Cash Equivalents and Short-Term Investments	7.41M	154.47M	153.61M	164.16M	182.71M	173.51M
Total Debt	0.00	11.93M	25.06M	33.88M	33.56M	41.00M
Total Liabilities	259.69M	260.13M	308.92M	293.40M	249.90M	217.18M
Stockholders Equity	25.30M	21.52M	2.89M	18.95M	40.50M	44.41M
Cash Flow
Free Cash Flow	-38.70M	-32.68M	-13.39M	-40.47M	5.36M	2.90M
Operating Cash Flow	-38.70M	-32.68M	-13.39M	-40.47M	5.36M	2.98M
Investing Cash Flow	10.72M	70.29M	-272.00K	56.50M	1.38M	-7.34M
Financing Cash Flow	3.00M	-21.09M	-3.25M	2.09M	-5.01M	5.08M

Presurance Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PRHI, the sentiment is Positive. The current price of 0.7 is above the 20-day moving average (MA) of 0.69, below the 50-day MA of 0.82, and below the 200-day MA of 0.93, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 47.79 is Neutral, neither overbought nor oversold. The STOCH value of 47.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PRHI.

Presurance Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GBLI	73 Outperform	$410.09M	14.84	4.01%	5.01%	-0.04%	-33.45%
AII	70 Outperform	$365.89M	―	―	―	―	―
KINS	69 Neutral	$218.58M	7.02	37.59%	0.57%	39.32%	61.45%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ACIC	65 Neutral	$538.86M	6.48	29.35%	―	16.34%	-1.26%
NODK	47 Neutral	$280.65M	110.38	1.07%	―	-17.81%	38.09%
PRHI	42 Neutral	$8.31M	-0.33	-71.53%	―	-39.40%	-190.92%

Presurance Holdings Corporate Events

Presurance Holdings Completes Series C Preferred Stock Financing

On December 23, 2025, Presurance Holdings, Inc. completed a private placement of 1,600 shares of newly created Series C Preferred Stock to Clarkston Companies, Inc., an affiliate of board member Jeffrey Hakala, raising $8 million in proceeds earmarked for working capital and general corporate purposes under a securities purchase agreement containing customary representations and warranties. On the same date, the company filed a Certificate of Designation in Michigan formally establishing the Series C Preferred Stock, which carries a $5,000 issue price per share, a 15% annual dividend, senior ranking to common stock in dividends and liquidation, a maturity date of April 2, 2027, and a company-only optional redemption feature at issue price, underscoring a significant capital infusion on relatively high-cost terms that prioritize preferred holders over common shareholders.

The most recent analyst rating on (PRHI) stock is a Hold with a $0.95 price target. To see the full list of analyst forecasts on Presurance Holdings stock, see the PRHI Stock Forecast page.