Presurance Holdings (PRHI) AI Stock Analysis

• Market Cap: $16.38M
• Dividend Yield: N/A
• Average Volume (3M): 3.12M
• Price to Earnings (P/E): 0.5
• Beta (1Y): -0.27
• 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: 1.64
• Enterprise Value/Revenue: 0.63
• Enterprise Value/Gross Profit: -1.30
• Enterprise Value/Ebitda: -1.36
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 40 Neutral
• Price Target: $1.00 ▲(11.11% Upside)

The overall stock score is primarily influenced by financial performance challenges, including declining revenues and negative cash flows. Technical analysis further supports a bearish outlook with weak momentum indicators. Valuation concerns, such as a negative P/E ratio and lack of dividend yield, also weigh heavily on the score. The absence of earnings call data and corporate events means these factors did not influence the score.

Positive Factors

Diverse Revenue Streams

The company's diverse revenue streams, including underwriting and strategic partnerships, provide resilience against market fluctuations and support long-term growth.

Risk Management Strategy

PRHI's investment in reinsurance agreements helps maintain profitability and stability, even in adverse scenarios, demonstrating strong risk management.

Technological Integration

By leveraging technology, PRHI enhances customer experience and operational efficiency, which can lead to sustained competitive advantages and market leadership.

Negative Factors

Declining Revenue

A declining revenue trend poses a risk to future growth prospects and indicates potential challenges in maintaining market share and competitive positioning.

Negative Cash Flows

Negative operating cash flows suggest operational inefficiencies and liquidity risks, which could hinder the company's ability to invest in growth opportunities.

Profitability Challenges

Operational inefficiencies reflected in negative EBIT and EBITDA margins highlight challenges in achieving sustainable profitability, impacting long-term financial health.

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

Conifer Holdings faces several financial challenges, with declining revenues and profitability issues affecting the income statement. The balance sheet reflects a stable leverage situation but limited equity strength. Cash flows are under pressure from negative operating cash flows, indicating potential liquidity risks. Strategic improvements are necessary to enhance financial health.

Income Statement

The company's income statement reveals significant challenges in profitability, with negative EBIT and EBITDA margins indicating operational inefficiencies. Despite this, the net profit margin is positive due to non-operating factors. Revenue has shown a declining trend over recent periods, which is concerning for future growth prospects.

Balance Sheet

The balance sheet highlights a moderate debt-to-equity ratio, which indicates manageable leverage levels. However, the equity ratio is low, suggesting a heavy reliance on liabilities. The ROE is positive but not robust, reflecting limited returns to equity holders amid fluctuating equity levels.

Cash Flow

Cash flow analysis indicates negative operating cash flows, which raises concerns about liquidity and operational efficiency. The free cash flow remains negative, and ratios to net income suggest operational cash generation issues. However, there is some stability in cash flow from investing activities.

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: Negative
• Last Price: 0.90
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 0.9 is below the 20-day moving average (MA) of 1.15, below the 50-day MA of 1.31, and below the 200-day MA of 0.93, indicating a bearish trend. The MACD of -0.12 indicates Positive momentum. The RSI at 30.62 is Neutral, neither overbought nor oversold. The STOCH value of 18.42 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PRHI.

Presurance Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KINS	74 Outperform	$215.75M	6.93	37.59%	0.66%	39.32%	61.45%
AII	70 Outperform	$480.49M	―	―	―	―	―
ACIC	68 Neutral	$585.18M	6.93	29.35%	―	16.34%	-1.26%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GBLI	67 Neutral	$405.08M	14.66	4.01%	4.95%	-0.04%	-33.45%
NODK	50 Neutral	$271.88M	180.38	1.07%	―	-17.81%	38.09%
PRHI	40 Neutral	$16.38M	0.55	-71.53%	―	-39.40%	-190.92%