US Insurance Companies in Financial Distress (October 2026)
As of 08 October 2026, 6 of 115 US Insurance companies analysed (5%) show financial-distress indicators: 0 very weak, 0 weak and 6 on watch. The most common red flags in this sector are negative book equity, consecutive annual losses, extreme volatility and latest year loss-making.
What drives financial distress in Insurance
Insurers judged on capital buffer, underwriting losses, equity erosion and market confidence. Reserve adequacy and solvency ratios are not public in this dataset.
Most common red flags today: Negative book equity · Consecutive annual losses · Extreme volatility · Latest year loss-making
Insurance companies with distress signals
| # | Ticker | Company / industry | Distress score | Band | Ohlson PD | Merton PD | From 52w high | Key indicators | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PRCH | Porch Group, Inc. Insurance - Property & Casualty |
Watch | — | — | -3% | Negative book equityConsecutive annual losses |
Details → | |
| 2 | OXBR | Oxbridge Re Holdings Limited Insurance - Reinsurance |
Watch | — | — | -51% | Consecutive annual lossesDeep share-price drawdownExtreme volatility |
Details → | |
| 3 | EZRA | Reliance Global Group, Inc. Insurance Brokers |
Watch | — | — | -95% | Consecutive annual lossesShare price down >80% from 52-week highExtreme volatility |
Details → | |
| 4 | MBI | MBIA Inc. Insurance - Specialty |
Watch | — | — | -41% | Negative book equityLatest year loss-making |
Details → | |
| 5 | PRHI | Presurance Holdings, Inc. Insurance - Property & Casualty |
Watch | — | — | -38% | Latest year loss-makingEquity eroded by >20% in a yearRevenue drop |
Details → | |
| 6 | GSHD | Goosehead Insurance, Inc. Insurance Brokers |
Watch | — | — | -42% | Negative book equityEquity eroded by >20% in a year |
Details → |
Frequently asked questions
Which Insurance companies are in financial distress?
As of 2026-10-08, 6 US Insurance companies show financial-distress indicators (0 very weak, 0 weak and 6 on watch). The table on this page ranks them by score with the indicators behind each one. These are statistical signals, not predictions that any company will file.
How many Insurance companies are in financial trouble?
6 of 115 analysed (5%); 0 are in the 'Very weak' band.
What are the biggest financial risks for Insurance companies?
Insurers judged on capital buffer, underwriting losses, equity erosion and market confidence. Reserve adequacy and solvency ratios are not public in this dataset. Right now the most frequent red flags are negative book equity, consecutive annual losses, extreme volatility and latest year loss-making.
What happens to shareholders if a company becomes insolvent?
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.