Presurance Holdings AI Stock Analysis
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Presurance Holdings (PRHI) AI Stock Analysis
Presurance Holdings
(NASDAQ:PRHI)
PRHI’s score is primarily held back by weak financial performance: steep TTM losses, contracting revenue, and sizable, persistent cash burn are the dominant risks despite improved leverage. Technicals provide a partial offset with an improving medium-term trend and mostly neutral momentum. Valuation remains unfavorable/unclear due to negative earnings and no indicated dividend yield.
Presurance Holdings (PRHI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $27.46M
- Dividend Yield
- ―
- Average Volume (3M)
- 26.54K
- Price to Earnings (P/E)
- -0.7
- Beta (1Y)
- 1.67
- Revenue Growth
- -48.50%
- EPS Growth
- -159.93%
- Country
- US
- Employees
- 12
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Insurance - Property & Casualty
Presurance Holdings Business Overview & Revenue Model
Company Description
Presurance Holdings, Inc. is an insurance holding company that specializes in underwriting and providing niche property and casualty insurance solutions. These offerings encompass residential coverage like homeowners and dwelling fire policies, as we...
Presurance Holdings Earnings Call Summary
The call highlighted a strategic shift towards a more sustainable revenue model and improved expense management, but also detailed significant declines in gross written premiums, continued net losses, and impacts from adverse weather conditions. The sentiment reflects cautious optimism with ongoing challenges.
Q2-2024 Updates
Positive Updates
Negative Updates
Company Guidance
During Conifer Holdings' Q2 2024 earnings call, the company outlined significant strategic changes aimed at enhancing profitability and long-term growth. The transition to a commission-based revenue model through their wholly-owned managing general agency, Conifer Insurance Services, resulted in a 58% decrease in overall gross written premium, which was split between 36% commercial lines and 64% personal lines. This shift is designed to stabilize revenue streams and reduce risk by leveraging third-party insurers with A.M. Best ratings of A- or better. The commercial lines combined ratio stood at 105%, with an accident year combined ratio of 81%, while the overall combined ratio was impacted by spring storms, particularly in Oklahoma, resulting in a 124% combined ratio for the quarter. Despite a net loss of $4 million, the company improved its expense ratio to 32%, down 580 basis points from the previous year, and increased net investment income by 11% to $1.5 million. The management emphasized their commitment to operational profitability, supported by ongoing expense reductions and potential asset sales for liquidity needs.
Presurance Holdings Financial Statement Overview
Summary
Financial performance is weak overall: TTM revenue is down ~5% and profitability has deteriorated to deep losses (net margin ~-51%, EBITDA/EBIT margins near -36%). Cash generation is a major red flag with TTM operating and free cash flow around -$46.1M, continuing a multi-year cash-burn pattern. The main offset is balance-sheet repair versus prior years (TTM debt-to-equity ~0.73), but returns remain sharply negative (ROE ~-73%), so the improved leverage is not yet translating into sustainable earnings.
Income Statement
14Very NegativeBalance Sheet
44NeutralCash Flow
9Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.88M | 36.94M | 66.30M | 89.97M | 101.48M | 115.96M |
| Gross Profit | -1.82M | -10.00M | -20.34M | -8.24M | -7.54M | 17.65M |
| EBITDA | -11.06M | -14.86M | -29.53M | -23.88M | -17.10M | 1.56M |
| Net Income | -15.85M | -18.44M | 24.35M | -25.90M | -10.68M | -1.09M |
Balance Sheet | ||||||
| Total Assets | 152.65M | 239.28M | 281.66M | 311.80M | 312.35M | 290.40M |
| Cash, Cash Equivalents and Short-Term Investments | 92.98M | 140.39M | 154.47M | 153.61M | 164.16M | 182.71M |
| Total Debt | 20.31M | 26.57M | 11.93M | 25.06M | 33.88M | 33.56M |
| Total Liabilities | 124.91M | 230.32M | 260.13M | 308.92M | 293.40M | 249.90M |
| Stockholders Equity | 27.75M | 8.97M | 21.52M | 2.89M | 18.95M | 40.50M |
Cash Flow | ||||||
| Free Cash Flow | -46.05M | -43.88M | -32.68M | -13.39M | -40.47M | 5.36M |
| Operating Cash Flow | -46.05M | -43.88M | -32.68M | -13.39M | -40.47M | 5.36M |
| Investing Cash Flow | 22.66M | 28.09M | 70.29M | -272.00K | 56.50M | 1.38M |
| Financing Cash Flow | 14.24M | 15.50M | -21.09M | -3.25M | 2.09M | -5.01M |
Presurance Holdings Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PRHI, the sentiment is Positive. The current price of 7.33 is above the 20-day moving average (MA) of 7.24, below the 50-day MA of 7.52, and above the 200-day MA of 5.69, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 51.31 is Neutral, neither overbought nor oversold. The STOCH value of 51.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PRHI.
Presurance Holdings Risk Analysis
Presurance Holdings disclosed 40 risk factors in its most recent earnings report. Presurance Holdings reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksPresurance Holdings Peers Comparison
Overall Rating
AII85Outperform
KINS80Outperform
ACIC68Neutral
GBLI61Neutral
NODK61Neutral- PRHI48Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AII | 85Outperform | $551.41M | 7.68 | 28.82% | ― | ― | ― |
| KINS | 80Outperform | $329.31M | 7.72 | 51.37% | 0.98% | 31.48% | 27.09% |
| ACIC | 68Neutral | $485.19M | 5.59 | 25.89% | ― | -5.31% | 1.68% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GBLI | 61Neutral | $321.36M | 10.34 | 4.34% | 6.45% | 2.97% | 8.33% |
| NODK | 61Neutral | $308.70M | 21.06 | 6.11% | ― | -12.94% | 446.58% |
| PRHI | 48Neutral | $27.16M | -0.71 | -72.72% | ― | -48.50% | -159.93% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PRHI | Presurance Holdings, Inc. | 7.33 | -0.51 | -6.51% | |
| GBLI | Global Indemnity | 21.72 | -5.07 | -18.92% | |
| KINS | Kingstone | 22.54 | 8.05 | 55.53% | |
| ACIC | American Coastal Insurance Corporation | 10.18 | -1.06 | -9.43% | |
| NODK | NI Holdings, Inc. | 15.31 | 1.89 | 14.08% | |
| AII | American Integrity Insurance Group, Inc. | 29.41 | 5.92 | 25.20% |
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.
Date of analysis: Oct 06, 2026