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Presurance Holdings
(NASDAQ:PRHI)
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Rating:54Neutral
Price Target:
$9.00
▲(42.18% Upside)
Action:Reiterated
Date:09/09/26
PRHI’s score is held back primarily by weak financial performance—deep losses, contracting revenue, and significant ongoing cash burn—despite an improved leverage profile. Offsetting this, technical indicators show strong upward momentum with price above key moving averages and a positive MACD, while valuation remains challenged due to negative earnings and no dividend data.
Positive Factors
Improved Leverage
The substantial reduction in debt-to-equity improves financial resilience compared with prior years and reduces the degree of balance-sheet pressure. Although leverage remains a watch item, this deleveraging provides a stronger foundation for managing losses and future capital needs.
Negative Factors
Severe Profitability Deterioration
Deeply negative margins indicate that current operations are not covering the economic cost of running the business. Persistent losses weaken retained capital, reduce the ability to self-fund operations, and make a durable earnings recovery dependent on substantial improvement in underwriting and expenses.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
The substantial reduction in debt-to-equity improves financial resilience compared with prior years and reduces the degree of balance-sheet pressure. Although leverage remains a watch item, this deleveraging provides a stronger foundation for managing losses and future capital needs.
Read all positive factors
Presurance Holdings (PRHI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$30.16M
Dividend YieldN/A
Average Volume (3M)20.53K
Price to Earnings (P/E)―
Beta (1Y)-0.09
Revenue Growth-48.50%
EPS Growth-159.93%
CountryUS
Employees12
SectorFinancial
Sector Strength70
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)-10.31
Shares Outstanding3,746,092
10 Day Avg. Volume37,813
30 Day Avg. Volume20,532
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
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
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...
Presurance Holdings Earnings Call Summary
Earnings Call Date:Aug 13, 2024
(Q2-2024)
| % Change Since: |
Next Earnings Date:Nov 11, 2026
Earnings Call Sentiment Neutral
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.Positive Updates
Strategic Shift to Commission-Based Revenue Model
Conifer has strategically shifted towards a commission-based revenue model through their managing general agency, Conifer Insurance Services, focusing on more stable and predictable revenue streams rather than the traditional risk-bearing carrier revenue model.
Negative Updates
Decrease in Gross Written Premium
Gross written premium decreased 58% to $19 million, reflecting the strategic decision to reduce premium leverage on operating subsidiaries.
Read all updates
Q2-2024 Updates
Positive
Negative
Strategic Shift to Commission-Based Revenue Model
Conifer has strategically shifted towards a commission-based revenue model through their managing general agency, Conifer Insurance Services, focusing on more stable and predictable revenue streams rather than the traditional risk-bearing carrier revenue model.
Read all positive 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
Income Statement
14
Very Negative
Balance Sheet
44
Neutral
Cash Flow
9
Very 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 | 12.80M | 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
Positive
6.33
Price Trends
5.75
Positive
5.29
Positive
5.29
Positive
Market Momentum
0.59
Negative
69.32
Neutral
78.61
Neutral
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 6.33 is below the 20-day moving average (MA) of 6.60, above the 50-day MA of 5.75, and above the 200-day MA of 5.29, indicating a bullish trend. The MACD of 0.59 indicates Negative momentum. The RSI at 69.32 is Neutral, neither overbought nor oversold. The STOCH value of 78.61 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.
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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $509.43M | 5.82 | 25.95% | 5.32% | ― | ― | |
79 Outperform | $288.94M | 7.92 | 0.11% | 1.07% | 34.04% | 15.59% | |
69 Neutral | $444.49M | 12.08 | 0.02% | 4.91% | 3.83% | 18.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $462.35M | 4.48 | 30.43% | 6.59% | 3.29% | 21.74% | |
54 Neutral | $30.16M | -0.84 | -72.72% | ― | -48.50% | -159.93% | |
54 Neutral | $311.38M | 39.95 | 3.18% | ― | -13.85% | 354.69% |
* Financial Sector Average
PRHI
Presurance Holdings
8.69
2.24
34.69%
GBLI
Global Indemnity
28.52
0.63
2.28%
KINS
Kingstone Companies
19.63
6.39
48.27%
ACIC
American Coastal Insurance
9.31
-0.83
-8.18%
NODK
NI Holdings
15.06
1.74
13.06%
AII
American Integrity Insurance Group, Inc.
26.20
7.83
42.65%
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.