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PRHI

Presurance Holdings, Inc.

PRHI

Presurance Holdings, Inc. • NASDAQ
$0.98 ▲ 8.74% (+0.08)
Market Cap $11.98 M
52w High $2.83
52w Low $0.42
Dividend Yield 0%
P/E -0.45
Volume 5.98K
Outstanding Shares 12.22M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $6.679M ▼ $10.649M ▲ $-3.97M ▼ -59.44% ▼ $-0.32 ▼ $0 ▼
Q2-2025 $10.779M ▼ $-123K ▲ $2.051M ▲ 19.028% ▲ $0.17 ▲ $2.979M ▲
Q1-2025 $11.48M ▼ $-993K ▼ $522K ▲ 4.547% ▲ $0.043 ▲ $1.127M ▲
Q4-2024 $13.752M ▼ $3.053M ▼ $-25.382M ▼ -184.57% ▼ $-2.08 ▼ $-23.864M ▼
Q3-2024 $16.017M $5.869M $53.29M 332.709% $4.32 $-5.087M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $7.414M ▼ $284.995M ▲ $259.692M ▲ $25.303M ▼
Q2-2025 $110.176M ▲ $283.262M ▲ $255.054M ▲ $28.208M ▲
Q1-2025 $100.57M ▼ $277.074M ▼ $251.489M ▼ $25.585M ▲
Q4-2024 $154.47M ▲ $281.656M ▼ $260.131M ▲ $21.525M ▼
Q3-2024 $116.046M $299.852M $250.801M $49.051M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $-3.97M ▼ $-681K ▲ $-13.858M ▼ $0 $-14.539M ▼ $-681K ▲
Q2-2025 $2.051M ▲ $-2.756M ▲ $14.428M ▲ $0 ▼ $11.672M ▲ $-2.756M ▲
Q1-2025 $522K ▲ $-15.26M ▲ $-9.613M ▼ $7.5M ▲ $-17.373M ▼ $-15.26M ▲
Q4-2024 $-25.196M ▼ $-20.001M ▼ $19.766M ▼ $-4.5M ▲ $-4.735M ▼ $-20.001M ▼
Q3-2024 $-5.483M $-10.726M $49.17M $-15.752M $22.692M $-10.726M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Commercial And Personal Lines
Commercial And Personal Lines
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Commercial Lines1
Commercial Lines1
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Personal Lines1
Personal Lines1
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement PRHI’s income statement shows a very small business that is still struggling to turn its core operations into a steady profit. Revenue has been roughly flat for several years, and operating results have stayed in loss territory, suggesting underwriting and overhead are not yet fully aligned with the new strategy. The recent swing to a small net profit looks helped by non‑operating factors rather than a clear, durable earnings engine. Overall, the track record is one of volatility and thin profitability, with the turnaround story still in early innings.

Balance Sheet

Balance Sheet The balance sheet is modest and quite lean. Total assets are small, cash is limited, and the equity base only recently moved meaningfully above break‑even levels. Debt has come down somewhat, which is a positive, but the company still operates with a relatively thin capital cushion compared with larger insurers. This leaves less room for error if underwriting results disappoint or if losses spike in a bad year.

Cash Flow

Cash Flow Cash generation remains a weak point. Operating cash flow has been negative in most years, and because the business does not spend much on physical assets, free cash flow mostly mirrors those operating shortfalls. That pattern indicates the company has been relying on its balance sheet and external capital rather than internally generated cash to support operations and its strategic pivot. Sustained improvement in underwriting and expense discipline will be key to turning this around.

Competitive Edge

Competitive Edge PRHI is positioning itself as a niche specialist in underserved personal lines, especially lower‑value homes and specialty homeowners coverage. This focus can be an advantage: fewer large competitors, more room for tailored products, and the ability to build deep expertise. However, the company is small, has limited brand recognition, and lacks the diversification and financial depth of bigger carriers. Its competitive strength will depend on consistently superior underwriting in these niches and on maintaining strong relationships with independent agents.

Innovation and R&D

Innovation and R&D Instead of flashy new platforms, PRHI’s innovation is mainly about applying data and analytics more intelligently to narrow markets. By concentrating on specific types of personal property risks, it can refine pricing models and underwriting rules for those customers in ways generalist insurers may not match. The sale of its MGA unit and rebrand to Presurance signal a cleaner, more focused business model. Future progress will likely come from better data use, more precise underwriting tools, and carefully designed specialty products rather than heavy spending on traditional R&D labs.

Summary

PRHI is a small, recently rebranded insurer in the middle of a strategic pivot toward niche personal lines. Financially, it shows a history of weak operating profitability, thin capital, and negative cash flow, with only early signs of improvement. Strategically, the company is betting that focus, specialization, and data‑driven underwriting in underserved segments can create a durable advantage. The opportunity is that a narrower, more disciplined business could eventually produce steadier profits; the main risks are execution missteps, limited financial buffer, and exposure to inherently volatile property insurance markets. The next few years will be crucial in proving whether this niche strategy can translate into consistent, high‑quality earnings and stronger cash generation.

NEWS

November 12, 2025 · 4:01 PM UTC

Presurance Holdings Reports 2025 Third Quarter Financial Results

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September 29, 2025 · 12:16 PM UTC

Conifer Holdings Announces Corporate Rebrand to Presurance Holdings, Inc.

Read more