Presurance Holdings (PRHI)
NASDAQ:PRHI
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Presurance Holdings
(NASDAQ:PRHI)
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Rating:48Neutral
Price Target:
$0.65
▼(-7.14% Downside)
Action:ReiteratedDate:04/03/26
PRHI scores low primarily due to weak financial performance—losses, volatile results, and persistently negative cash flows. Technicals are somewhat better in the near term (above short-term averages) but still weak longer term, while valuation is constrained by loss-making results. Corporate events are mixed, with liquidity/capital-structure improvements offset by Nasdaq compliance and legal risks.
Positive Factors
Leverage reduced to zero debt
Eliminating total debt materially lowers financial risk and interest burden, giving the insurer greater flexibility to underwrite policies, absorb losses, and pursue capital raises without immediate refinancing pressure. This strengthens funding optionality over the next many months.
Negative Factors
Persistent negative operating cash flow
Multi-year negative operating cash flow and deeply negative free cash flow indicate the business does not generate sufficient internal funds to support underwriting and reserves. This creates durable funding needs, increasing reliance on external equity or partner funding and pressuring solvency metrics.
Read all positive and negative factors
Positive Factors
Negative Factors
Leverage reduced to zero debt
Eliminating total debt materially lowers financial risk and interest burden, giving the insurer greater flexibility to underwrite policies, absorb losses, and pursue capital raises without immediate refinancing pressure. This strengthens funding optionality over the next many months.
Read all positive factors
Presurance Holdings (PRHI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$17.23M
Dividend YieldN/A
Average Volume (3M)3.12M
Price to Earnings (P/E)―
Beta (1Y)0.46
Revenue Growth-39.40%
EPS Growth-190.92%
CountryUS
Employees9
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)-1.39
Shares Outstanding26,222,881
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 Cap0.42
Enterprise Value/Revenue0.20
Enterprise Value/Gross Profit-0.72
Enterprise Value/Ebitda-0.49
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
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....
Presurance Holdings Financial Statement Overview
Summary
Income Statement
22
Negative
Balance Sheet
38
Negative
Cash Flow
14
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 36.94M | 66.30M | 89.97M | 101.48M | 115.96M |
| Gross Profit | -10.00M | -20.34M | -8.24M | -7.54M | 17.65M |
| EBITDA | -14.86M | -29.53M | -23.88M | -17.10M | 1.56M |
| Net Income | -18.44M | 24.35M | -25.90M | -10.68M | -1.09M |
Balance Sheet | |||||
| Total Assets | 239.28M | 281.66M | 311.80M | 312.35M | 290.40M |
| Cash, Cash Equivalents and Short-Term Investments | 140.39M | 154.47M | 153.61M | 164.16M | 182.71M |
| Total Debt | 26.57M | 11.93M | 25.06M | 33.88M | 33.56M |
| Total Liabilities | 230.32M | 260.13M | 308.92M | 293.40M | 249.90M |
| Stockholders Equity | 8.97M | 21.52M | 2.89M | 18.95M | 40.50M |
Cash Flow | |||||
| Free Cash Flow | -43.88M | -32.68M | -13.39M | -40.47M | 5.36M |
| Operating Cash Flow | -43.88M | -32.68M | -13.39M | -40.47M | 5.36M |
| Investing Cash Flow | 28.09M | 70.29M | -272.00K | 56.50M | 1.38M |
| Financing Cash Flow | 15.50M | -21.09M | -3.25M | 2.09M | -5.01M |
Presurance Holdings Technical Analysis
Negative
0.70
Price Trends
0.69
Negative
0.77
Negative
0.92
Negative
Market Momentum
0.01
Negative
47.91
Neutral
66.67
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 above the 20-day moving average (MA) of 0.65, above the 50-day MA of 0.69, and below the 200-day MA of 0.92, indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 47.91 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 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 51 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | $357.12M | 4.89 | ― | ― | ― | ― | |
70 Outperform | $558.09M | 5.73 | 35.67% | ― | 16.34% | -1.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $218.31M | 5.75 | 40.02% | 0.57% | 39.32% | 61.45% | |
63 Neutral | $399.38M | 15.90 | 3.63% | 5.01% | -0.04% | -33.45% | |
48 Neutral | $17.23M | -0.47 | -71.53% | ― | -39.40% | -190.92% | |
48 Neutral | $264.73M | -26.81 | -4.24% | ― | -17.81% | 38.09% |
* Financial Sector Average
PRHI
Presurance Holdings
0.66
0.03
4.95%
GBLI
Global Indemnity
27.83
-0.67
-2.35%
KINS
Kingstone Companies
15.08
-1.56
-9.35%
ACIC
American Coastal Insurance
11.47
1.03
9.87%
NODK
NI Holdings
12.89
-0.04
-0.31%
AII
American Integrity Insurance Group, Inc.
18.24
2.23
13.94%
Presurance Holdings Corporate Events
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...
Business Operations and StrategyPrivate Placements and Financing
Presurance Completes Rights Offering and Redeems Preferred Stock
Positive
Feb 27, 2026
On February 27, 2026, Presurance Holdings entered into a redemption agreement with Clarkston Companies to repurchase and cancel all of its Series B preferred stock for an aggregate redemption price of $7.5 million, including accrued dividends. A p...
Legal ProceedingsPrivate Placements and Financing
Presurance Holdings Faces Lawsuit Over 2025 Financing Deals
Negative
Feb 12, 2026
On February 10, 2026, Presurance Holdings shareholder James Petcoff filed a complaint in Michigan against the company, certain current and former directors, its chief executive officer, and investor Clarkston 91 West over prior financing transacti...
Business Operations and StrategyPrivate Placements and Financing
Presurance Holdings Launches Shareholder Rights Offering for Capital
Positive
Feb 6, 2026
On February 6, 2026, Presurance Holdings, Inc. launched its previously announced rights offering, distributing to shareholders of record on that date a non-transferable subscription right for each share of common stock they own. Each right allows ...
Private Placements and Financing
Presurance Sets Record Date for $14M Rights Offering
Neutral
Jan 28, 2026
On January 27, 2026, Presurance Holdings, Inc. set February 6, 2026 as the record date for shareholders eligible to participate in its previously announced $14 million rights offering. The company plans to issue non-transferable subscription right...
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.