PRHI
Presurance Holdings, Inc.
Price Chart
Latest Quote
$5.11
+0.13 (+2.61%)
Current Price
| Previous Close | $4.98 |
| Open | $5.09 |
| Day High | $5.12 |
| Day Low | $4.80 |
| Volume | 24,685 |
Stock Information
| Shares Outstanding | 3.70M |
| Total Debt | $20.25M |
| Cash Equivalents | $57.93M |
| Revenue | $32.66M |
| Net Income | $-16.34M |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| Market Cap | $18.91M |
| EPS (TTM) | $-10.06 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-18.54M |
| Sales | $32.66M |
| Income | $-16.34M |
| Book/sh | $6.72 |
| Cash/sh | $15.66 |
| Employees | 12 |
Financial Ratios
| Quick Ratio | 0.34 |
| Current Ratio | 0.78 |
| Debt/Eq | 80.39 |
| EPS Growth TTM | 402.30% |
Returns & Margins
| ROA | -4.36% |
| ROE | -64.36% |
| Gross Margin | -22.11% |
| Operating Margin | 0.99% |
| Profit Margin | -50.02% |
Ownership
| Insider Ownership | 16.98% |
| Institutional Ownership | 66.03% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 0.58 |
| P/B | 0.76 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $5.08 |
| SMA50 | $4.88 |
| SMA200 | $6.26 |
| RSI | 65.71 |
| ATR | 0.6724 |
| Shares Float | 2.46M |
| Short Float | 0.26% |
| Short Ratio | 0.96 |
| Volatility | 1.10 |
| Rel Volume | 0.91 |
Performance History
| Week | +2.40% |
| Month | +13.35% |
| Quarter | +22.69% |
| 6 Months | -23.16% |
| YTD | +3.99% |
| Year | -8.64% |
| 3 Years | -54.37% |
| 5 Years | -75.34% |
| 10 Years | -88.77% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $5.11 | 24,700 |
| 2026-06-17 | $4.84 | 18,600 |
| 2026-06-16 | $4.83 | 16,400 |
| 2026-06-15 | $4.90 | 24,100 |
| 2026-06-12 | $4.98 | 9,600 |
| 2026-06-11 | $4.99 | 9,000 |
| 2026-06-10 | $5.05 | 5,100 |
| 2026-06-09 | $5.03 | 7,500 |
| 2026-06-08 | $5.40 | 17,100 |
| 2026-06-05 | $5.32 | 26,600 |
| 2026-06-04 | $5.69 | 81,000 |
| 2026-06-03 | $5.80 | 134,000 |
| 2026-06-02 | $5.71 | 83,700 |
| 2026-06-01 | $5.13 | 57,800 |
| 2026-05-29 | $4.13 | 7,386 |
| 2026-05-28 | $4.56 | 8,257 |
| 2026-05-27 | $4.90 | 757 |
| 2026-05-26 | $4.86 | 1,657 |
| 2026-05-22 | $5.05 | 1,214 |
| 2026-05-21 | $5.26 | 7,843 |
| 2026-05-20 | $5.36 | 7,871 |
| 2026-05-19 | $4.51 | 2,629 |
About Presurance Holdings, Inc.
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.
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $36,942,000 | $66,297,000 | $89,970,000 | $101,479,000 |
| Operating Revenue | $36,942,000 | $66,297,000 | $89,970,000 | $101,479,000 |
| Expenses | ||||
| Interest Expense | $3,185,000 | $4,883,000 | $3,206,000 | $2,971,000 |
| Total Expenses | $55,239,000 | $102,377,000 | $117,602,000 | $121,969,000 |
| Net Non Operating Interest Income Expense | $-3,185,000 | $-4,883,000 | $-3,206,000 | $-2,971,000 |
| Interest Expense Non Operating | $3,185,000 | $4,883,000 | $3,206,000 | $2,971,000 |
| Other Operating Expenses | $11,328,000 | $11,003,000 | $16,186,000 | $18,789,000 |
| Loss Adjustment Expense | $38,541,000 | $73,302,000 | $82,413,000 | $81,440,000 |
| Other Income Expense | - | - | $694,000 | $1,354,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-18,438,000 | $-34,240,000 | $-27,279,000 | $-10,681,000 |
| Net Interest Income | $-3,185,000 | $-4,883,000 | $-3,206,000 | $-2,971,000 |
| Normalized Income | $-23,351,800 | $-34,378,554 | $-27,279,000 | $-17,640,900 |
| Net Income From Continuing And Discontinued Operation | $-18,438,000 | $24,347,000 | $-25,904,000 | $-10,681,000 |
| Net Income Common Stockholders | $-18,438,000 | $23,530,000 | $-25,923,000 | $-10,681,000 |
| Net Income | $-18,438,000 | $24,347,000 | $-25,904,000 | $-10,681,000 |
| Net Income Including Noncontrolling Interests | $-18,438,000 | $24,347,000 | $-25,904,000 | $-10,681,000 |
| Net Income Discontinuous Operations | $0 | $58,587,000 | $1,375,000 | - |
| Net Income Continuous Operations | $-18,438,000 | $-34,240,000 | $-27,279,000 | $-10,681,000 |
| Pretax Income | $-18,297,000 | $-36,080,000 | $-27,632,000 | $-20,490,000 |
| Special Income Charges | $6,220,000 | $146,000 | $2,335,000 | $8,810,000 |
| Earnings From Equity Interest Net Of Tax | - | - | $-251,000 | $368,000 |
| Per Share | ||||
| Diluted EPS | $-10.57 | $13.51 | $-14.84 | $-7.00 |
| Basic EPS | $-10.57 | $13.51 | $-14.84 | $-7.00 |
| Other | ||||
| Tax Effect Of Unusual Items | $1,306,200 | $7,446 | $0 | $1,850,100 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $6,220,000 | $146,000 | $2,335,000 | $8,810,000 |
| Total Unusual Items Excluding Goodwill | $6,220,000 | $146,000 | $2,335,000 | $8,810,000 |
| Reconciled Depreciation | $255,000 | $1,671,000 | $545,000 | $417,000 |
| EBIT | $-15,112,000 | $-31,197,000 | $-24,426,000 | $-17,519,000 |
| Diluted Average Shares | $1,746,125 | $1,746,125 | $1,745,787 | $1,527,441 |
| Basic Average Shares | $1,746,125 | $1,746,125 | $1,745,787 | $1,527,441 |
| Diluted NI Availto Com Stockholders | $-18,438,000 | $23,530,000 | $-25,923,000 | $-10,681,000 |
| Tax Provision | $141,000 | $-1,840,000 | $-353,000 | $-9,441,000 |
| Restructuring And Mergern Acquisition | $-6,220,000 | $-146,000 | $0 | $-8,810,000 |
| Net Policyholder Benefits And Claims | $38,541,000 | $73,302,000 | $82,413,000 | $81,440,000 |
| Policyholder Benefits Gross | $53,233,000 | $116,132,000 | $120,837,000 | $116,487,000 |
| Policyholder Benefits Ceded | $14,692,000 | $42,830,000 | $38,424,000 | $35,047,000 |
| Preferred Stock Dividends | - | $817,000 | $19,000 | - |
| Other Special Charges | - | - | $-2,335,000 | - |
| Selling General And Administration | - | - | - | $18,789,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $8,966,000 | $21,525,000 | $2,889,000 | $18,950,000 |
| Total Assets | $239,283,000 | $281,656,000 | $315,606,000 | $312,350,000 |
| Prepaid Assets | $12,024,000 | $6,088,000 | $28,908,000 | $16,399,000 |
| Receivables | $79,649,000 | $109,380,000 | $113,837,000 | $112,367,000 |
| Other Receivables | $4,290,000 | $8,070,000 | - | - |
| Accounts Receivable | $75,359,000 | $101,310,000 | $112,790,000 | $111,106,000 |
| Cash Cash Equivalents And Short Term Investments | $140,392,000 | $154,470,000 | $153,614,000 | $164,165,000 |
| Cash And Cash Equivalents | $27,362,000 | $27,654,000 | $10,663,000 | $28,035,000 |
| Debt | ||||
| Total Debt | $12,187,000 | $11,932,000 | $25,061,000 | $33,876,000 |
| Long Term Debt And Capital Lease Obligation | $12,187,000 | $11,932,000 | $25,061,000 | $33,876,000 |
| Long Term Debt | $12,187,000 | $11,932,000 | $25,061,000 | $33,876,000 |
| Net Debt | - | - | $14,398,000 | $5,841,000 |
| Current Debt And Capital Lease Obligation | - | - | - | - |
| Current Debt | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $230,317,000 | $260,131,000 | $312,717,000 | $293,400,000 |
| Payables And Accrued Expenses | $2,501,000 | $1,000 | $14,232,000 | $6,144,000 |
| Payables | $2,501,000 | $1,000 | $14,232,000 | $6,144,000 |
| Accounts Payable | $2,501,000 | $1,000 | $14,232,000 | $6,144,000 |
| Equity | ||||
| Common Stock Equity | $8,966,000 | $21,525,000 | $-3,111,000 | $18,950,000 |
| Total Equity Gross Minority Interest | $8,966,000 | $21,525,000 | $2,889,000 | $18,950,000 |
| Stockholders Equity | $8,966,000 | $21,525,000 | $2,889,000 | $18,950,000 |
| Gains Losses Not Affecting Retained Earnings | $-9,601,000 | $-13,500,000 | $-14,528,000 | $-18,203,000 |
| Other Equity Adjustments | $-9,601,000 | $-13,500,000 | $-14,528,000 | $-18,203,000 |
| Retained Earnings | $-81,591,000 | $-63,153,000 | $-86,683,000 | $-60,760,000 |
| Preferred Securities Outside Stock Equity | $14,380,000 | $0 | - | - |
| Preferred Stock Equity | - | - | $6,000,000 | - |
| Other | ||||
| Ordinary Shares Number | $1,746,125 | $1,746,125 | $1,746,125 | $1,745,121 |
| Share Issued | $1,746,125 | $1,746,125 | $1,746,125 | $1,745,121 |
| Tangible Book Value | $8,966,000 | $21,525,000 | $-3,111,000 | $18,950,000 |
| Invested Capital | $21,153,000 | $33,457,000 | $21,950,000 | $52,826,000 |
| Total Capitalization | $21,153,000 | $33,457,000 | $27,950,000 | $52,826,000 |
| Capital Stock | $100,158,000 | $98,178,000 | $104,100,000 | $97,913,000 |
| Common Stock | $100,158,000 | $98,178,000 | $98,100,000 | $97,913,000 |
| Preferred Stock | $0 | $0 | $6,000,000 | $0 |
| Investments And Advances | $114,307,000 | $128,419,000 | $145,305,000 | $137,397,000 |
| Other Short Term Investments | $113,030,000 | $126,816,000 | $142,951,000 | $136,130,000 |
| Line Of Credit | - | - | - | - |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-43,882,000 | $-32,679,000 | $-13,392,000 | $-40,474,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-43,882,000 | $-32,679,000 | $-13,392,000 | $-40,474,000 |
| Cash From Discontinued Operating Activities | $0 | $3,195,000 | $-5,802,000 | - |
| Cash Flow From Continuing Operating Activities | $-43,882,000 | $-35,874,000 | $-7,590,000 | $-40,474,000 |
| Operating Gains Losses | $716,000 | $125,000 | $20,000 | $-8,882,000 |
| Investing Activities | ||||
| Investing Cash Flow | $28,090,000 | $70,294,000 | $-272,000 | $56,503,000 |
| Cash From Discontinued Investing Activities | $0 | $-7,184,000 | $1,401,000 | - |
| Cash Flow From Continuing Investing Activities | $28,090,000 | $77,478,000 | $-1,673,000 | $56,503,000 |
| Net Other Investing Changes | - | - | - | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-6,397,000 | $-3,000 | - |
| Issuance Of Capital Stock | $13,576,000 | $0 | $6,000,000 | $5,010,000 |
| Financing Cash Flow | $15,500,000 | $-21,086,000 | $-3,246,000 | $2,093,000 |
| Cash Flow From Continuing Financing Activities | $15,500,000 | $-21,086,000 | $-3,246,000 | $2,093,000 |
| Cash Dividends Paid | $0 | $-439,000 | $0 | - |
| Preferred Stock Dividend Paid | $0 | $-439,000 | $0 | - |
| Net Preferred Stock Issuance | $13,576,000 | $-6,397,000 | $6,000,000 | $0 |
| Preferred Stock Issuance | $13,576,000 | $0 | $6,000,000 | $0 |
| Net Common Stock Issuance | - | $0 | $-3,000 | $5,010,000 |
| Net Other Financing Charges | - | - | $-1,999,000 | - |
| Common Stock Issuance | - | - | $0 | $5,010,000 |
| Dividends Received Cfi | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $0 | $-14,250,000 | $-13,971,000 | $-22,417,000 |
| Interest Paid Supplemental Data | $2,351,000 | $4,260,000 | $3,077,000 | $2,979,000 |
| Income Tax Paid Supplemental Data | $143,000 | $1,000 | $1,000 | - |
| End Cash Position | $27,362,000 | $27,654,000 | $11,125,000 | $28,035,000 |
| Beginning Cash Position | $27,654,000 | $11,125,000 | $28,035,000 | $9,913,000 |
| Changes In Cash | $-292,000 | $16,529,000 | $-16,910,000 | $18,122,000 |
| Proceeds From Stock Option Exercised | $1,924,000 | $0 | - | - |
| Preferred Stock Payments | $0 | $-6,397,000 | $0 | - |
| Net Issuance Payments Of Debt | $0 | $-14,250,000 | $-7,244,000 | $-2,917,000 |
| Long Term Debt Payments | $0 | $-14,250,000 | $-13,971,000 | $-2,917,000 |
| Net Investment Purchase And Sale | $18,090,000 | $19,200,000 | $-1,673,000 | $26,188,000 |
| Sale Of Investment | $319,239,000 | $212,790,000 | $233,196,000 | $344,415,000 |
| Purchase Of Investment | $-301,149,000 | $-193,590,000 | $-234,869,000 | $-318,227,000 |
| Net Business Purchase And Sale | $10,000,000 | $58,278,000 | $0 | $30,315,000 |
| Sale Of Business | $10,000,000 | $58,278,000 | $0 | $32,759,000 |
| Change In Working Capital | $-20,159,000 | $-745,000 | $20,229,000 | $-12,120,000 |
| Change In Other Current Assets | $508,000 | $2,135,000 | $-663,000 | $-138,000 |
| Change In Payables And Accrued Expense | $5,057,000 | $-18,266,000 | $7,849,000 | $2,174,000 |
| Change In Payable | $5,057,000 | $-18,266,000 | $7,849,000 | $2,174,000 |
| Change In Account Payable | $5,057,000 | $-18,266,000 | $7,849,000 | $2,174,000 |
| Change In Prepaid Assets | $-5,936,000 | $22,820,000 | $-12,509,000 | $-8,098,000 |
| Change In Receivables | $25,951,000 | $11,233,000 | $1,692,000 | $-48,207,000 |
| Changes In Account Receivables | $25,951,000 | $11,233,000 | $1,692,000 | $-48,207,000 |
| Other Non Cash Items | $-6,220,000 | $-2,547,000 | $-144,000 | $60,000 |
| Stock Based Compensation | $56,000 | $78,000 | $190,000 | $211,000 |
| Unrealized Gain Loss On Investment Securities | $-234,000 | $203,000 | $-608,000 | $-403,000 |
| Amortization Of Securities | $142,000 | $-419,000 | $-871,000 | $320,000 |
| Deferred Tax | $0 | $0 | $328,000 | $-9,396,000 |
| Deferred Income Tax | $0 | $0 | $328,000 | $-9,396,000 |
| Depreciation And Amortization | $255,000 | $1,671,000 | $545,000 | $417,000 |
| Gain Loss On Investment Securities | $716,000 | $125,000 | $20,000 | $1,505,000 |
| Net Income From Continuing Operations | $-18,438,000 | $-34,240,000 | $-27,279,000 | $-10,681,000 |
| Issuance Of Debt | - | $0 | $6,727,000 | $19,500,000 |
| Common Stock Payments | - | $0 | $-3,000 | - |
| Net Long Term Debt Issuance | - | $-14,250,000 | $-7,244,000 | $-2,917,000 |
| Long Term Debt Issuance | - | $0 | $6,727,000 | $0 |
| Net Short Term Debt Issuance | - | - | $0 | $0 |
| Short Term Debt Payments | - | - | $0 | $-19,500,000 |
| Short Term Debt Issuance | - | - | $0 | $19,500,000 |
| Purchase Of Business | - | - | $-934,000 | $-2,444,000 |
| Net Intangibles Purchase And Sale | - | - | $2,335,000 | $0 |
| Sale Of Intangibles | - | - | $2,335,000 | $0 |
| Earnings Losses From Equity Investments | - | - | $251,000 | $-368,000 |
| Gain Loss On Sale Of PPE | - | - | $-2,335,000 | $33,000 |
| Gain Loss On Sale Of Business | - | - | $0 | $-10,052,000 |
Fetched: 2026-06-17