Presurance Holdings, Inc. (PRHI) AI Stock Analysis
PRHI AI stock analysis summary
AI ResearchPresurance Holdings, Inc. (PRHI) is a specialty property and casualty insurance holding company headquartered in Troy, Michigan. The company generated trailing twelve-month revenue of $29.8M, down from $116.0M in FY2021, alongside a trailing profit margin of -53.2%. Presurance Holdings maintains $93.0M in cash and short-term investments, supporting a net cash balance of $72.7M as of June 30, 2026.
- Market cap
- $29.6M
- Revenue (TTM)
- $29.8M
- P/E
- — fwd 73.0x
- 1Y return
- -19.9% S&P 500 16.8%
- Avg. target
- —
Bull case
- Presurance Holdings maintains a net cash position of $72.7M, supported by $93.0M in cash and short-term investments as of June 30, 2026.
- The stock trades at a price-to-sales ratio of 1.0x, which is lower than the peer median of 3.2x among US-listed Financial Services.
- Shares have gained 58.5% year-to-date and trade 44.4% above their 200-day moving average.
Bear case
- Revenue has fallen at a 5-year CAGR of -18.6%, dropping from $116.0M in FY2021 to $36.9M in FY2025.
- Operating cash flow and free cash flow remained negative in FY2025 at -$43.9M each.
- The company increased its share count by 170.6% over a 5-year period, resulting in equity dilution.
What Presurance does
Presurance Holdings, Inc., formerly known as Conifer Holdings, Inc., is an insurance holding company that provides specialty property and casualty insurance in the United States. Founded in 2009 and headquartered in Troy, Michigan, the company provides specialty insurance coverage for individuals, businesses, and communities. It offers specialty commercial products including commercial property, general liability, liquor liability, and commercial automobile coverage. Presurance Holdings also provides personal product lines, such as homeowners insurance and dwelling fire insurance to individual owners of lower value homes located in Texas, Illinois, and Indiana.
Growth and profitability
Annual revenue contracted from $116.0M in FY2021 to $101.5M in FY2022, $90.0M in FY2023, $66.3M in FY2024, and $36.9M in FY2025, reflecting a 5-year revenue CAGR of -18.6%. Operating margin worsened from -1.5% in FY2021 to -49.5% in FY2025. Net income was -$1.1M in FY2021, -$10.7M in FY2022, -$25.9M in FY2023, $24.3M in FY2024, and -$18.4M in FY2025. Over the trailing twelve months, revenue reached $29.8M with a profit margin of -53.2% and EPS of -$10.31. For the latest quarter ended June 30, 2026, quarterly revenue fell 26.5% year-over-year while quarterly earnings declined 42.1%.
Balance sheet and cash flow
As of June 30, 2026, Presurance Holdings had $93.0M in cash and short-term investments and $20.3M in total debt, creating a net cash position of $72.7M. Total assets stood at $152.7M against shareholders' equity of $27.7M, giving a debt-to-equity ratio of 0.73. Operating cash flow and free cash flow were both -$43.9M in FY2025, compared to -$32.7M in FY2024. Furthermore, the company increased its share count over time, with a 5-year share count change of 170.6%.
Valuation and performance
Presurance Holdings trades at a market capitalization of $29.6M and an enterprise value of $28.1M at a share price of $7.91. Its forward P/E of 73.0x is higher than the 10.8x median of its US-listed Financial Services peers. In contrast, its price-to-sales ratio of 1.0x is lower than the peer median of 3.2x, and its EV-to-revenue is 0.9x. The stock has gained 58.5% year-to-date but lost 19.9% over the past year, compared to a 16.8% return for the S&P 500 (SPY). Over five years, shares declined 56.7% while the S&P 500 gained 83.0%.
What analysts expect
Presurance Holdings has beaten earnings estimates in 2 of the past 4 quarters. The company does not have analyst coverage ratings or price targets recorded. Presurance Holdings has its next earnings release scheduled for November 11, 2026.
Key risks and what to watch
- Quarterly revenue fell 26.5% year-over-year in the quarter ended June 30, 2026.
- Trailing twelve-month profit margin is negative at -53.2% with a return on equity of -56.7%.
- The company carries $20.3M in debt against shareholders' equity of $27.7M, yielding a debt-to-equity ratio of 0.73.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this PRHI AI stock analysis
This page is an AI-written research summary of Presurance Holdings, Inc. (PRHI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: PRHI income statement, PRHI balance sheet, PRHI key metrics, PRHI chart. See the PRHI stock overview for the latest quote and news.
PRHI AI stock analysis FAQ
What products does Presurance Holdings provide?
Presurance Holdings offers specialty property and casualty insurance, including commercial property, general liability, liquor liability, and commercial auto, as well as homeowners and dwelling fire insurance in Texas, Illinois, and Indiana.
What is Presurance Holdings' cash and debt position?
As of June 30, 2026, the company held $93.0M in cash and short-term investments and $20.3M in debt, resulting in net cash of $72.7M.
When does Presurance Holdings report earnings next?
Presurance Holdings is scheduled to report earnings on November 11, 2026.
What is Presurance Holdings' forward valuation multiple?
Presurance Holdings trades at a forward P/E of 73.0x, compared to a median forward P/E of 10.8x for its US-listed Financial Services peers.