Presurance Holdings, Inc. — financial distress indicators
Financial-health summary
Presurance Holdings, Inc.'s reported numbers place it in the 'Watch' financial-health band (distress score 36/100). The main indicators are latest year loss-making, equity eroded by >20% in a year and revenue drop.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Net income is negative.
Losses at a financial institution consume regulatory capital directly.
Book equity changed -58% YoY.
Fast equity erosion (losses, unrealised bond losses, write-downs) was the signature of the 2023 U.S. regional-bank failures.
Revenue changed -44% YoY.
Shrinking net revenue (interest margin, fees, premiums) weakens the capacity to absorb losses.
Annualised volatility is 118%.
High equity volatility raises the market-implied default probability.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- No material mitigating factors found in the available data.
📰 Recent news scan
- Discipline and Rules-Based Execution in PRHI Response - Stock Traders DailyGoogle News · 2026-10-08
- Independent Director of Presurance Holdings Joseph Sarafa Buys 22% More Shares - Simply Wall StreetGoogle News · 2026-10-03
- Presurance Holdings CFO Meloche buys $26,137 in company stock - Investing.comGoogle News · 2026-10-02
- Director Joseph D. Sarafa buys 11,000 Presurance Holdings (PRHI) shares, bringing his holdings to 61,000. - Stock TitanGoogle News · 2026-10-01
- Presurance Holdings Inc (PRHI-Q) Stock Price and News - The Globe and MailGoogle News · 2026-10-01
- A 7,500-share purchase brings Presurance Holdings (PRHI) CEO's direct holdings to 80,390 shares. - Stock TitanGoogle News · 2026-10-01
⚖️ U.S. legal pathway — state insurance receivership
- Insurance companies are excluded from Title 11 (§109(b)(2)); they are rehabilitated or liquidated by the state insurance commissioner.
- State guaranty associations protect policyholders up to statutory limits; shareholders rank last.
- The listed holding company can still file Chapter 11. Warning signs: risk-based capital ratios near action levels, reserve deficiencies, catastrophe losses.
Frequently asked questions
What do Presurance Holdings, Inc.'s financial-health indicators show?
As of 2026-10-08, Presurance Holdings, Inc.'s public financial data places it in the 'Watch' band with a distress score of 36/100, driven by latest year loss-making, equity eroded by >20% in a year and revenue drop. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is Presurance Holdings, Inc.'s financial distress score?
36/100 ('Watch').
What works in Presurance Holdings, Inc.'s favour?
No material mitigating factors were found in the available data.
How are shareholders treated if a company enters insolvency?
In a Chapter 11 reorganisation the absolute priority rule pays secured lenders, then unsecured creditors, before shareholders — so existing shares are usually cancelled or heavily diluted. In Chapter 7 the company is liquidated and shareholders rarely recover anything.
Other Insurance companies with distress indicators
- Porch Group, Inc. (PRCH)Watch 43/100
- Oxbridge Re Holdings Limited (OXBR)Watch 40/100
- Reliance Global Group, Inc. (EZRA)Watch 39/100
- MBIA Inc. (MBI)Watch 37/100
- Goosehead Insurance, Inc. (GSHD)Watch 35/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.