Presurance Holdings, Inc.

PRHI

Presurance Holdings, Inc.

PRHI

Insider Sentiment (TTM):

Last Purchase:2026-04-13Last Sale:2024-12-12Shares Purchased (TTM):9,189,032Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:237,065Shares Outstanding:17,200,659Institutional Ownership Pct.:1.38%

Earnings Market Reaction:

Filing Date:2026-08-12Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Affiliated Entity	-	-	-	-	-	-	0	-1	0	1	0	-0
Assets
Investments
Available For Sale Securities Debt Securities	86	80	88	95	98	96	106	115	119	121	122	102
Short Term Investments	28	32	25	55	36	42	21	21	23	24	21	41
Investments	115	114	114	151	136	140	128	138	144	147	145	145
Cash And Cash Equivalents At Carrying Value	13	25	27	7	22	10	28	32	10	17	11	14
Premiums Receivable At Carrying Value	6	7	6	8	8	10	10	13	31	24	29	25
Reinsurance Recoverable For Unpaid Claims And Clai…	60	62	64	76	78	78	84	66	74	74	71	47
Reinsurance Recoverables On Paid Losses	6	4	6	13	6	12	7	13	9	5	13	7
Prepaid Reinsurance Premiums	3	10	12	17	18	5	6	10	13	20	29	43
Deferred Policy Acquisition Costs	6	3	3	3	3	7	6	7	7	7	6	6
Other Assets	3	4	3	4	4	4	4	9	6	7	7	6
Assets	222	237	239	285	283	277	282	300	293	301	316	293
Assets Of Disposal Group Including Discontinued Op…	-	-	-	-	-	-	0	0	-	-	3	-
Liabilities And Stockhold…
Liabilities
Liability For Claims And Claims Adjustment Expense	125	138	146	154	165	176	189	161	175	176	175	139
Unearned Premiums	24	23	26	33	35	31	31	37	45	55	65	79
Reinsurance Payable	0	5	3	13	9	2	0	0	1	2	0	5
Long Term Debt	12	12	12	12	12	12	12	16	25	25	25	25
Mandatorily Redeemable Preferred Stock Fair Value …	8	8	14	6	6	6	-	-	-	-	-	-
Funds Held Under Reinsurance Agreements Liability	20	21	24	21	21	21	26	23	24	24	25	27
Commitments And Contingencies	-	-	-	-	-	-	-	-	-	-	0	-
Payable Investment Purchase	-	-	-	16	-	-	-	-	-	-	-	-
Accounts Payable And Other Accrued Liabilities	5	5	5	4	7	3	2	13	5	7	5	7
Liabilities Of Disposal Group Including Discontinu…	-	-	-	-	-	-	0	0	-	-	4	-
Liabilities	195	211	230	260	255	251	260	251	294	299	313	282
Stockholders Equity
Common Stock Value	114	114	100	100	100	100	98	98	98	98	98	98
Retained Earnings Accumulated Deficit	-76	-79	-82	-65	-61	-63	-63	-38	-91	-87	-87	-67
Accumulated Other Comprehensive Income Loss Net Of…	-10	-10	-10	-10	-11	-12	-14	-11	-15	-15	-15	-19
Preferred Stock Value	-	-	-	-	-	-	0	0	6	6	6	-
Stockholders Equity	28	25	9	25	28	26	22	49	-1	3	3	12
Liabilities And Stockholders Equity	222	237	239	285	283	277	282	300	293	301	316	293
Available For Sale Debt Securities Amortized Cost …	94	89	97	104	108	107	118	125	133	134	135	119
Equity Securities Fv Ni Cost	1	1	1	2	2	2	2	2	2	2	2	2
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock No Par Value	-	-	-	-	-	-	0	0	0	0	0	-
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Preferred Stock Shares Authorized	-	-	-	-	-	-	10	10	10	10	10	-
Common Stock Shares Issued	4	4	2	2	2	2	2	2	2	2	2	2
Preferred Stock Shares Issued	-	-	-	-	-	-	0	0	0	0	0	-
Shares Outstanding	4	4	2	2	2	2	2	2	2	2	2	2
Preferred Stock Shares Outstanding	-	-	-	-	-	-	0	0	0	0	0	-

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	13.43%	9.21%	7.68%	-	-	-	-	-	-	-	-	-
2025	-8.48%	-7.88%	-0.61%	-7.38%	40.18%	79.60%	-21.37%	-40.00%	-41.88%	19.44%	24.07%	31.75%
2024	1.11%	-6.25%	-20.56%	26.83%	-13.01%	-4.07%	-3.33%	-10.00%	-15.00%	-11.86%	20.35%	15.23%
2023	-	-	-	-	-	-	84.00%	81.33%	81.33%	-20.63%	-32.54%	-34.13%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-2.54	-2.51	-4.74	-7.62	7.23	5.90	5.44	6.75	-6.72	-7.05	-7.20	-3.57
Per Share Metrics
Diluted EPS TTM	-4.23	-6.65	-10.56	-15.42	17.08	13.73	13.47	16.94	-14.83	-15.37	-14.84	-2.48
Free Cash Flow Per Share TTM	-12.29	-15.02	-25.12	-22.16	-27.91	-32.13	-18.71	-14.51	-7.96	0.46	-7.67	-15.52
Dividend Per Share TTM	0.00	0.00	0.00	0.23	0.51	0.61	0.71	0.48	0.19	0.10	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	86.14%	88.15%	92.65%	94.12%	92.76%	92.95%	92.74%	92.86%	95.56%	95.98%	96.46%	96.99%
Operating Profit Margin TTM	-49.24%	-41.65%	-42.25%	-49.37%	-48.85%	-56.94%	-55.14%	-46.12%	-33.46%	-31.51%	-28.33%	-13.18%
Net Profit Margin TTM	-49.57%	-41.92%	-42.58%	-50.43%	47.52%	37.16%	34.98%	43.44%	-33.40%	-31.75%	-28.64%	-4.19%
Growth Metrics
Net Revenue Growth (1Y)	-49.03%	-39.59%	-35.63%	-21.59%	-19.08%	-23.71%	-25.69%	-34.15%	-25.68%	-18.76%	-13.70%	-0.41%
Net Income Growth (1Y)	-153.16%	-168.14%	-178.36%	-191.03%	-215.13%	-189.30%	-190.77%	-782.92%	722.32%	294.27%	142.70%	-68.12%
EPS Growth (1Y)	-124.78%	-148.42%	-178.36%	-191.03%	-215.16%	-189.30%	-190.75%	-782.92%	722.15%	294.05%	112.35%	-71.05%
Valuation Metrics
P/E TTM	-1.16	-0.54	-0.47	-0.55	0.30	0.26	0.61	0.45	-0.36	-0.51	-0.52	-3.24
P/B TTM	0.66	0.35	0.97	0.59	0.31	0.24	0.66	0.27	-8.08	5.40	4.65	1.19
P/S TTM	0.58	0.23	0.20	0.28	0.14	0.10	0.21	0.20	0.12	0.16	0.15	0.14
Market Cap	18.39M	8.77M	8.72M	14.92M	8.86M	6.25M	14.31M	13.33M	9.41M	13.82M	13.45M	14.06M
Enterprise Value	17.91M	-4.44M	-6.46M	19.63M	-1.03M	7.96M	-1.42M	-2.59M	24.55M	21.45M	27.38M	24.96M
Calculated Values
Free Cash Flow TTM	-46.06M	-36.93M	-43.88M	-38.70M	-48.74M	-56.11M	-32.68M	-25.34M	-13.90M	801.00K	-13.39M	-27.11M
Net Debt	-484.00K	-13.22M	-15.18M	4.71M	-9.89M	1.72M	-15.72M	-15.92M	15.14M	7.63M	13.94M	10.90M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-04-13Purchase

Owner: Smith, James Grant

Title: -

Shares: 23,672

Price/Share: $0.74

Value: $17,517.28

Shares Owned: 60,922

Relationship: Director

Ownership: Direct

2026-04-01Purchase

Owner: Roney, Brian J

Title: Chief Executive Officer

Shares: 100,000

Price/Share: $0.72

Value: $72,000.00

Shares Owned: 510,232

Relationship: Officer

Ownership: Direct

2026-02-27Purchase

Owner: Clarkston, Companies, Inc…

Title: -

Shares: 9,065,360

Price/Share: $1.00

Value: $9,065,360.00

Shares Owned: 9,065,360

Relationship: TenPercentOwner

Ownership: Direct

2025-04-10Purchase

Owner: Smith, James Grant

Title: -

Shares: 20,150

Price/Share: $0.67

Value: $13,500.50

Shares Owned: 36,150

Relationship: Director

Ownership: Direct

2025-04-09Purchase

Owner: Smith, James Grant

Title: -

Shares: 16,000

Price/Share: $0.68

Value: $10,880.00

Shares Owned: 16,000

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-04-13	Smith, James Grant	Director	-	Direct	Purchase	23,672	0.74	$17,517.28	60,922	4
2026-04-01	Roney, Brian J	Officer	Chief Executive Officer	Direct	Purchase	100,000	0.72	$72,000.00	510,232	4
2026-02-27	Clarkston, Companies, Inc…	TenPercentOwner	-	Direct	Purchase	9,065,360	1.00	$9,065,360.00	9,065,360	4
2025-04-10	Smith, James Grant	Director	-	Direct	Purchase	20,150	0.67	$13,500.50	36,150	4
2025-04-09	Smith, James Grant	Director	-	Direct	Purchase	16,000	0.68	$10,880.00	16,000	4
2025-04-07	Meloche, Harold J	Officer	CFO, Treasurer	Direct	Purchase	22,000	0.52	$11,440.00	72,588	4
2025-04-07	Sarafa, Joseph D	Director	-	Direct	Purchase	100,000	0.53	$53,000.00	350,000	4
2025-03-03	Clarkston, 91 West Llc	TenPercentOwner	-	Direct	Purchase	500	5000.00	$2,500,000.00	1,500	4
2025-03-03	Hakala, Gerald W	TenPercentOwner	-	Indirect	Purchase	500	5000.00	$2,500,000.00	500	4
2025-03-03	Hakala, Jeffrey Anthony	Director,TenPercentOwner	-	Indirect	Purchase	500	5000.00	$2,500,000.00	500	4
2024-12-12	Roney, Brian J	Officer	Chief Executive Officer	Direct	Sale	100,000	2.00	$200,000.00	410,232	4
2024-12-12	Clarkston, Ventures, Llc	TenPercentOwner	-	Direct	Purchase	100,000	2.00	$200,000.00	3,735,769	4
2023-12-20	Hakala, Gerald W	Director	-	Indirect	Purchase	1,000	6000.00	$6,000,000.00	1,000	4
2023-12-20	Hakala, Jeffrey Anthony	Director	-	Indirect	Purchase	1,000	6000.00	$6,000,000.00	1,000	4
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Institutional Ownership

No data available for chart

2026-03-31

1.38%

Inst. Shares: 237,065

Shares Outstanding: 17,200,659

2025-12-31

4.36%

Inst. Shares: 532,345

Shares Outstanding: 12,222,881

2025-09-30

3.30%

Inst. Shares: 403,664

Shares Outstanding: 12,222,881

2025-06-30

3.31%

Inst. Shares: 404,994

Shares Outstanding: 12,222,881

2025-03-31

3.73%

Inst. Shares: 455,537

Shares Outstanding: 12,222,881

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	237,065	17,200,659	1.38%
2025-12-31	532,345	12,222,881	4.36%
2025-09-30	403,664	12,222,881	3.30%
2025-06-30	404,994	12,222,881	3.31%
2025-03-31	455,537	12,222,881	3.73%
2024-12-31	430,714	12,222,881	3.52%
2024-09-30	349,379	12,222,881	2.86%
2024-06-30	831,389	12,222,881	6.80%
2024-03-31	849,256	12,222,881	6.95%
2023-12-31	824,745	12,220,511	6.75%
2023-09-30	858,953	12,222,881	7.03%
2023-06-30	1,229,089	12,220,331	10.06%
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Presurance Holdings, Inc. (PRHI) — SEC Financial Statements & Analysis

Presurance Holdings, Inc. (PRHI) is a fire, marine & casualty insurance company, incorporated in MI. Presurance Holdings, Inc. trades on Nasdaq as: PRHI, PRHIZ. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Presurance Holdings, Inc. reported a -49.03% year-over-year revenue growth, a Gross Profit Margin of 86.14% (TTM), a Price-to-Sales (P/S) ratio of 0.58x (TTM), a Price-to-Book (P/B) ratio of 0.66x (TTM), at a market cap of $18.39M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -49.03%
Gross Profit Margin TTM: 86.14%
P/S TTM: 0.58x
P/B TTM: 0.66x
Market Cap: $18.39M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Presurance Holdings, Inc. in?

Presurance Holdings, Inc. (PRHI) operates in the Fire, Marine & Casualty Insurance industry.

What is PRHI's market cap?

Presurance Holdings, Inc. (PRHI) has a market capitalization of $18.39M as of 2026-06-30.

What exchange does PRHI trade on?

Presurance Holdings, Inc. (PRHI) trades on the Nasdaq.

Where is Presurance Holdings, Inc. incorporated?

Presurance Holdings, Inc. is incorporated in MI.