Presurance Holdings (PRHI)
NASDAQ:PRHI
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Presurance Holdings
(NASDAQ:PRHI)
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Rating:49Neutral
Price Target:
$6.00
▲(757.14% Upside)
Action:Reiterated
Date:06/05/26
The score is held down primarily by weak financial performance (persistent losses and significant cash burn), with additional risk from the Nasdaq compliance notice. Technicals are relatively supportive in the near term (price above key shorter-term averages and positive MACD), but valuation remains constrained by negative earnings and no dividend support.
Positive Factors
Improved leverage (no debt)
Trailing-twelve-month total debt at zero materially reduces fixed financing costs and interest sensitivity, giving management more flexibility to fund underwriting or strategic initiatives from equity. This durable capital structure improvement supports survival through underwriting cycles and limits insolvency risk over months.
Negative Factors
Severe cash burn
Deep negative operating and free cash flow (~-$36.9M TTM) across multiple years creates structural reliance on external financing or equity to fund operations and claims. Persistent cash burn erodes liquidity, constrains underwriting capacity, and raises dilution or capital-raising risk over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage (no debt)
Trailing-twelve-month total debt at zero materially reduces fixed financing costs and interest sensitivity, giving management more flexibility to fund underwriting or strategic initiatives from equity. This durable capital structure improvement supports survival through underwriting cycles and limits insolvency risk over months.
Read all positive factors
Presurance Holdings (PRHI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$18.66M
Dividend YieldN/A
Average Volume (3M)3.12M
Price to Earnings (P/E)―
Beta (1Y)0.20
Revenue Growth-46.48%
EPS Growth-171.30%
CountryUS
Employees9
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)-9.80
Shares Outstanding3,746,126
10 Day Avg. Volume4,058,167
30 Day Avg. Volume3,118,211
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.97
Price to Sales (P/S)0.24
P/FCF Ratio-0.20
Enterprise Value/Market Cap0.15
Enterprise Value/Revenue0.08
Enterprise Value/Gross Profit-0.37
Enterprise Value/Ebitda-0.24
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Presurance Holdings Business Overview & Revenue Model
Company Description
Presurance Holdings, Inc. is an insurance holding company that specializes in underwriting and providing niche property and casualty insurance solutions. These offerings encompass residential coverage like homeowners and dwelling fire policies, as...
Presurance Holdings Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
45
Neutral
Cash Flow
12
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.52M | 36.94M | 66.30M | 89.97M | 101.48M | 115.96M |
| Gross Profit | -7.36M | -10.00M | -20.34M | -8.24M | -7.54M | 17.65M |
| EBITDA | -11.36M | -14.86M | -29.53M | -23.88M | -17.10M | 1.56M |
| Net Income | -16.34M | -18.44M | 24.35M | -25.90M | -10.68M | -1.09M |
Balance Sheet | ||||||
| Total Assets | 236.61M | 239.28M | 281.66M | 311.80M | 312.35M | 290.40M |
| Cash, Cash Equivalents and Short-Term Investments | 103.07M | 140.39M | 154.47M | 153.61M | 164.16M | 182.71M |
| Total Debt | 20.25M | 26.57M | 11.93M | 25.06M | 33.88M | 33.56M |
| Total Liabilities | 211.42M | 230.32M | 260.13M | 308.92M | 293.40M | 249.90M |
| Stockholders Equity | 25.19M | 8.97M | 21.52M | 2.89M | 18.95M | 40.50M |
Cash Flow | ||||||
| Free Cash Flow | -36.93M | -43.88M | -32.68M | -13.39M | -40.47M | 5.36M |
| Operating Cash Flow | -36.93M | -43.88M | -32.68M | -13.39M | -40.47M | 5.36M |
| Investing Cash Flow | 37.87M | 28.09M | 70.29M | -272.00K | 56.50M | 1.38M |
| Financing Cash Flow | 14.25M | 15.50M | -21.09M | -3.25M | 2.09M | -5.01M |
Presurance Holdings Technical Analysis
Negative
0.70
Price Trends
4.93
Positive
4.87
Positive
6.27
Negative
Market Momentum
0.09
Positive
49.50
Neutral
33.50
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PRHI, the sentiment is Negative. The current price of 0.7 is below the 20-day moving average (MA) of 5.04, below the 50-day MA of 4.93, and below the 200-day MA of 6.27, indicating a neutral trend. The MACD of 0.09 indicates Positive momentum. The RSI at 49.50 is Neutral, neither overbought nor oversold. The STOCH value of 33.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PRHI.
Presurance Holdings Risk Analysis
Presurance Holdings disclosed 40 risk factors in its most recent earnings report. Presurance Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Presurance Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $333.24M | 4.09 | 25.25% | ― | ― | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $506.45M | 4.84 | 33.02% | ― | 10.65% | 39.18% | |
65 Neutral | $235.09M | 7.55 | 28.27% | 0.57% | 39.38% | 27.06% | |
62 Neutral | $318.69M | -74.41 | -1.79% | ― | -15.19% | -182.34% | |
54 Neutral | $376.77M | 11.03 | 3.63% | 5.01% | 2.99% | 14.96% | |
49 Neutral | $18.66M | -0.53 | -74.55% | ― | -46.48% | -171.30% |
* Financial Sector Average
PRHI
Presurance Holdings
4.98
-0.51
-9.37%
GBLI
Global Indemnity
25.79
-5.66
-18.01%
KINS
Kingstone Companies
16.23
1.42
9.62%
ACIC
American Coastal Insurance
10.45
0.59
6.02%
NODK
NI Holdings
15.56
3.22
26.09%
AII
American Integrity Insurance Group, Inc.
17.01
1.34
8.57%
Presurance Holdings Corporate Events
Executive/Board ChangesShareholder Meetings
Presurance Holdings Shareholders Reelect Directors, Ratify Auditor
Positive
Jun 4, 2026
At its virtual annual meeting of shareholders held on June 3, 2026, Presurance Holdings, Inc. reported that investors elected Timothy M. Lamothe and Isolde G. O’Hanlon as Class II directors to the board, each to serve a three‑year term...
Delistings and Listing ChangesRegulatory Filings and ComplianceShareholder MeetingsStock Split
Presurance Announces Reverse Stock Split to Maintain Nasdaq Listing
Neutral
May 28, 2026
Presurance Holdings, Inc., a Michigan-based property and casualty insurance holding company that provides specialty insurance coverage, is listed on the Nasdaq Capital Market under the symbol PRHI and targets disciplined growth and long-term value...
Delistings and Listing ChangesRegulatory Filings and ComplianceStock Split
Presurance Receives Nasdaq Notice on Minimum Bid Compliance
Negative
Mar 6, 2026
On March 3, 2026, Presurance Holdings, Inc. received notice from Nasdaq that its common stock had closed below $1.00 for 30 consecutive business days and was no longer in compliance with the exchange’s minimum bid price requirement. The comp...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.