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Presurance Holdings, Inc. PRHI FINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://ir.prehld.com
Company Profile ↓
$8.69
+55.37% 1Y
Mkt Cap$32.55M
P/E-0.84
P/B1.00
52W High$14.21
52W Low$3.36
Book Value$7.41
EPS (TTM)$-10.38

Company Overview

Presurance Holdings, Inc., an insurance holding company, provides specialty property, and casualty insurance in the United States. The company provides specialty insurance coverage for individuals, businesses, and communities. It offers both specialty commercial products, including commercial property, general liability, liquor liability and commercial automobile and specialty personal product lines. Additionally, it offers homeowners insurance and dwelling fire insurance products to individuals owners of lower value homes in Texas, Illinois and Indiana. The company was formerly known as Conifer Holdings, Inc. and changed its name to Presurance Holdings, Inc. in September 2025. The company was founded in 2009 and is headquartered in Troy, Michigan.

Why Investors Should Care

Healthy Margins

Operating margin of 25.2% supports profitability.

Recent Developments

  • Dec 2025 Revenue of $36.94M (-44.3% YoY); net profit $-18.44M.
  • Trailing 12 Months Year-on-year growth — revenue -26.5%, earnings -42.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 0.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:0.90%
1 Year:-26.50%

Compounded Profit Growth

5 Years:-
1 Year:-42.10%

Stock Price Performance

1 Year:+55.37%
6 Months:+77.35%
3 Months:+60.93%
1 Month:+86.88%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 49% of range
$3.36 $14.21
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • Golden Cross10d ago
  • RSI (14)69.49 · Neutral
Price Performance
1M+86.88%
3M+60.93%
6M+77.35%
1Y+55.37%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading 38.9% below its 52-week high.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
-0.84
Industry PE
12.89
Forward P/E
-
PEG Ratio
-
Book Value
$7.41
Price to Book
1.00
P/S
0.93
EV/EBITDA
-0.64
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
0.90%
Profit 5Y
-
Revenue (YoY)
-26.50%
Earnings (YoY)
-42.10%

Profitability & Returns

ROCE
-
ROE
-56.67%
ROA
-3.34%
Profit Margin
-53.19%
Op Margin
25.16%
Gross Margin
-16.19%
EPS (Latest Qtr)
$1.05
EPS (TTM)
$-10.38

Balance Sheet & Liquidity

Debt/Equity
0.73
Quick Ratio
0.27
Current Ratio
0.73
Debt
$20.31M
Total Assets
$236.61M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
17.87%
Chg in Prom Hold
-0.07%
FII / Inst Holding
65.65%
Chg in FII Hold
-0.32%

Financial Snapshot

Enterprise Value
$32.55M
Total Revenue (TTM)
$29.80M
EBITDA
$-13.24M
Free Cash Flow
$-32.79M
Operating Cash Flow
$-46.05M
Shares Outstanding
3.75M
Gross Margin
-16.19%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PRHI Presurance Holdings, Inc. FINANCIAL 8.69 -0.84 $32.55M 0.00% - -56.67% 0.90% -
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 15.61M16.15M19.02M-20.88M23.03M24.31M-25.06M26.28M18.94M-24.82M25.27M24.77M-24.30M22.78M23.87M21.59M25.30M26.61M26.31M35.45M26.71M25.37M24.68M26.34M24.58M24.92M25.44M18.62M17.90M16.02M-11.48M10.78M8.18M6.50M7.06M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income -361.00K663.00K--2.49M-2.13M-1.88M--2.24M-2.60M-19.46M-129.00K-1.45M-3.94M--2.26M-3.00M-1.97M-2.94M-728.00K-2.70M-7.07M-3.66M-1.72M-2.99M-7.21M-1.72M-135.00K-5.26M-5.32M494.00K-4.35M-7.33M-1.06M2.92M-3.10M-15.99M4.56M
EBITDA ----------------------------------------
Interest Expense -----------------------------------541.00K864.00K874.00K906.00K1.98M
Pretax Income -----------------------------------522.00K2.05M-3.97M-16.90M2.58M
Tax Provision -----------------------------------000141.00K-38.00K
Net Income 463.00K579.00K1.33M--2.03M-513.00K-1.48M--1.80M-1.07M-18.90M-213.00K---------------1.00M-4.74M-2.71M74.00K-3.95M52.79M-522.00K2.05M-3.97M-17.04M2.62M
Diluted EPS 0.060.090.21-0.30-0.27-0.07-0.19-0.58-0.24-0.14-2.460.030.02-0.13-0.42-0.56-------0.57-0.12-0.30-0.86-0.140.08-0.39-0.220.01-0.324.32-0.281.19-2.24-9.731.05

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 33.48M60.93M70.72M93.88M96.84M98.91M96.00M103.49M-101.48M89.97M66.30M36.94M
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses -------------
Operating Income ----11.13M-24.24M-10.34M-11.04M-9.08M--17.52M-24.43M-31.20M-15.11M
EBITDA -------------
Interest Expense ---------2.97M3.21M4.88M3.19M
Pretax Income ----------20.49M-27.63M-36.08M-18.30M
Tax Provision ----------9.44M-353.00K-1.84M141.00K
Net Income 349.00K-6.93M64.00K-8.44M-21.54M-----10.68M-25.90M24.35M-18.44M
Diluted EPS -------0.06--7.00-14.8413.51-10.57

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --163.74M177.93M203.70M239.03M232.75M247.26M261.60M-312.35M315.61M281.66M239.28M
Current Assets --------------
Cash & Equivalents 3.94M11.30M18.49M12.70M12.49M11.87M10.79M7.46M8.19M-28.04M10.66M27.65M27.36M
Inventory --------------
Receivables ----------111.11M112.79M101.31M75.36M
Total Liabilities --113.46M100.67M135.91M186.21M190.59M204.54M217.18M-293.40M312.72M260.13M230.32M
Current Liabilities --------------
Long Term Debt --27.56M12.75M17.75M29.03M33.50M35.82M41.00M-33.88M25.06M11.93M12.19M
Total Debt ----------33.88M25.06M11.93M12.19M
Total Equity 21.61M21.25M44.18M77.26M67.79M52.83M42.16M42.73M44.41M-18.95M2.89M21.52M8.97M
Shares Outstanding ----------1.75M1.75M1.75M1.75M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -6.30M-3.14M6.17M9.09M-17.01M15.36M2.98M--40.47M-13.39M-32.68M-43.88M
Investing Cash Flow --47.70M-15.29M-10.75M-25.95M12.22M-25.01M-7.34M-56.50M-272.00K70.29M28.09M
Financing Cash Flow -48.59M12.64M4.38M16.24M3.71M6.32M5.08M-2.09M-3.25M-21.09M15.50M
Capital Expenditure -283.00K-444.00K-167.00K-195.00K-13.00K-86.00K-61.00K-78.00K-----
Free Cash Flow -5.86M-3.30M5.97M9.08M-17.09M15.30M2.90M--40.47M-13.39M-32.68M-43.88M
Net Change in Cash ---------18.12M-16.91M16.53M-292.00K
Share Buybacks -00625.00K0636.00K676.00K36.00K12.00K----

Ratios (Annual)

Figures in %.

Metric Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------
Operating Margin % ----11.9%-25.0%-10.5%-11.5%-8.8%--17.3%-27.1%-47.1%-40.9%
Net Margin % 1.0%-11.4%0.1%-9.0%-22.2%-----10.5%-28.8%36.7%-49.9%
ROE % 1.6%-15.7%0.1%-12.4%-40.8%-----56.4%-896.6%113.1%-205.6%
ROCE % -------------

Shareholding Pattern

Insiders
17.87%
Institutions
65.65%
Public Float
79.94%

Top Institutional Holders

#Holder% HeldSharesValue
1 IAT Reinsurance Co Ltd 0.95% 35.71K $263.21K
2 Vanguard Fiduciary Trust Co 0.27% 10.04K $73.99K
3 Nemes Rush Group LLC 0.10% 3.74K $27.57K
4 Vanguard Capital Management LLC 0.07% 2.46K $18.09K
5 UBS Group AG 0.03% 1.04K $7.67K
6 Corecap Advisors, LLC 0.02% 562 $4.14K
7 Tower Research Capital LLC (TRC) 0.02% 683 $5.03K
8 Osaic Holdings Inc. 0.02% 571 $4.21K
9 Daytona Street Capital LLC 0.01% 250 $1.84K
10 Morgan Stanley - 75 $552

Analyst View

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Latest News

Recent headlines for PRHI

Google News Mon, 07 Sep 2026

Trading Systems Reacting to (PRHI) Volatility - Stock Traders Daily

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Google News Mon, 31 Aug 2026

Presurance Holdings (PRHI) director sells remaining shares - Stock Titan

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Google News hu, 20 Aug 2026

PRHI | Presurance Holdings, Inc. Common Financials - Revenue Breakdown - Quiver Quantitative

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Google News Wed, 27 May 2026

PRHI - Finviz

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Google News Fri, 28 Aug 2026

Understanding the Setup: (PRHI) and Scalable Risk - Stock Traders Daily

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Google News hu, 28 May 2026

Presurance Holdings, Inc. Announces 1-for-7 Reverse Stock Split - GlobeNewswire

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PRHI — Frequently Asked Questions

What is the current share price of Presurance Holdings, Inc. (PRHI)?

As of 2026-09-19 21:16 PDT, Presurance Holdings, Inc. (PRHI) trades at $8.69 on NasdaqCM. Its 52-week range is $3.36 to $14.21.

What is the market capitalisation of PRHI?

Presurance Holdings, Inc. (PRHI) has a market capitalisation of $32.55M on NasdaqCM.

What is the P/E ratio of PRHI?

PRHI trades at a trailing price-to-earnings (P/E) ratio of -0.84. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.00.

What is the return on equity (ROE) of PRHI?

PRHI has a return on equity (ROE) of -56.67%.

Is PRHI a good stock to buy?

This page provides a data-driven analysis of Presurance Holdings, Inc. (PRHI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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