Presurance Holdings, Inc. is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.
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~$6.5
Valuation models combined (2)
Base case. Range ~$3.2–$9.7. Weighted average of 2 models (price-to-book vs return on equity (peers), price-to-book vs peers).
No Buy/Hold/Sell rating is issued: only 2 valuation models apply; a rating needs 3.
Presurance Holdings, Inc. valuation: adjust assumptions and compare models →
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $32m, down 49.0% on a year earlier, a steeper fall than the 39.6% decline a quarter earlier. That puts it 47 of 47 for growth among the property & casualty insurance companies we cover. Our valuation models combined value is $6.42 a share, against a share price of $7.12.
Source: 10-Q filed August 12, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Presurance Holdings, Inc.'s trailing-twelve-month revenue fell 49.0% year on year, with a free-cash-flow margin of -144.0%. Where it stands out: stock pay as % of revenue of 0.2% ranks 3 of 34 property & casualty insurance companies we cover. Where it lags: revenue growth of -49.0% ranks 48 of 48 property & casualty insurance companies we cover.
Current signal Revenue growth decelerating: TTM revenue growth slowed to -49.0% (-9.4pp vs the prior quarter), the 4th consecutive quarterly slowdown.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
We value Presurance Holdings, Inc. as an insurer, with every model that fits that kind of business. Cost of equity 7.1%: the 10-year Treasury yield (4.9%) plus a beta of 0.48 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | — | Does not apply: the model gives no positive value |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: return on equity is not positive |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$3.2 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$9.7 ~$8.5–$17 | Included |
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | — | Does not apply: no positive earnings in the latest twelve months |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: pays no regular dividend |
| Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | ~$6.5 ~$3.2–$9.7 | 2 models |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Presurance Holdings, Inc. with property, casualty and specialty insurers in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Weak moat
How hard Presurance Holdings's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
Net income has been a median -4.3% of total assets over 10 years.
Operating margin has been a median -18.3%; its worst year was -63.8%.
The diluted share count rose 28.8% over five years; stock-based pay has been a median 0.3% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (33 before it).
No analyst estimates are published for Presurance Holdings, Inc.: too few analysts cover it.
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Jun 2023 | −$2.73 | −$2.73 | 0.0% |
| Mar 2023 | $0.07 | $0.21 | +200.0% |
| Dec 2022 | −$0.14 | −$0.70 | −400.0% |
| Sept 2022 | −$0.91 | −$0.91 | 0.0% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months −28.5%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $63m | $32m | −49.0% |
| P/S multiple | 0.3x | 0.5x | +94.7% |
| Share count | 2m | 2m | −28.0% |
Biggest factor: revenue. Loss-making at one end, so the split uses price/sales.
Last 3 years −7.6%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $104m | $32m | −69.3% |
| P/S multiple | 0.1x | 0.5x | +328.2% |
| Share count | 2m | 2m | −29.6% |
Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.
| Calendar year | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|---|
| Return | ||||||
| PRHI | −30% | −32% | −30% | +6% | −39% | +44% |
| Industry peers (median) | +15% | +1% | +9% | +31% | +9% | +10% |
| S&P 500 | +29% | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | ||||||
| PRHI | 33% | 33% | 42% | 58% | 42% | 73% |
| S&P 500 | 75% | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | ||||||
| PRHI | −48% | −46% | −64% | −56% | −65% | −45% |
| S&P 500 | −5% | −25% | −10% | −8% | −19% | −9% |
Worst fall since November 3, 2015: 96% from November 27, 2015 to April 3, 2025. Getting back needed a 2098% gain, and the shares have not yet recovered.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| August 14, 2026 | +22.1% | −0.7% | +45.4% | +53.7% |
| May 14, 2026 | 0.0% | −0.4% | +12.2% | +4.5% |
| March 30, 2026 | −5.6% | +2.6% | +48.9% | +25.9% |
| November 17, 2025 | −9.6% | −1.8% | −20.4% | −18.6% |
| August 18, 2025 | −1.3% | −0.6% | +4.8% | +162.6% |
| May 14, 2025 | +10.9% | +0.6% | +4.1% | +6.4% |
| March 31, 2025 | −28.3% | +1.0% | −14.3% | +2.5% |
| November 13, 2024 | −1.7% | −0.6% | −0.8% | −5.0% |
| August 14, 2024 | −39.3% | +2.0% | −38.2% | −18.2% |
| May 16, 2024 | −11.6% | −0.1% | −9.5% | −4.6% |
| April 9, 2024 | −2.5% | −0.9% | +8.2% | −10.9% |
| November 13, 2023 | +5.2% | +1.8% | +24.0% | +62.7% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY23 Q3 | $103.4M |
| FY23 Q4 | $91.3M |
| FY24 Q1 | $85.4M |
| FY24 Q2 | $78.3M |
| FY24 Q3 | $68.9M |
| FY24 Q4 | $67.3M |
| FY25 Q1 | $64.5M |
| FY25 Q2 | $62.8M |
| FY25 Q3 | $53.4M |
| FY25 Q4 | $43.3M |
| FY26 Q1 | $39M |
| FY26 Q2 | $32M |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY23 Q3 | -0.4% |
| FY23 Q4 | -12.9% |
| FY24 Q1 | -18.0% |
| FY24 Q2 | -24.9% |
| FY24 Q3 | -33.4% |
| FY24 Q4 | -26.3% |
| FY25 Q1 | -24.4% |
| FY25 Q2 | -19.9% |
| FY25 Q3 | -22.5% |
| FY25 Q4 | -35.6% |
| FY26 Q1 | -39.6% |
| FY26 Q2 | -49.0% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Operating margin (TTM) |
|---|---|
| FY23 Q3 | -26.2% |
| FY23 Q4 | -33.5% |
| FY24 Q1 | -35.1% |
| FY24 Q2 | -37.1% |
| FY24 Q3 | -45.1% |
| FY24 Q4 | -55.7% |
| FY25 Q1 | -65.7% |
| FY25 Q2 | -63.8% |
| FY25 Q3 | -66.7% |
| FY25 Q4 | -56.0% |
| FY26 Q1 | -53.5% |
| FY26 Q2 | -52.5% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY23 Q3 | -26.2% |
| FY23 Q4 | -14.7% |
| FY24 Q1 | 0.9% |
| FY24 Q2 | -17.7% |
| FY24 Q3 | -36.8% |
| FY24 Q4 | -48.6% |
| FY25 Q1 | -87.0% |
| FY25 Q2 | -77.7% |
| FY25 Q3 | -72.4% |
| FY25 Q4 | -101.3% |
| FY26 Q1 | -94.8% |
| FY26 Q2 | -144.0% |
| Fiscal year | 2013 Dec 2013 | 2014 Dec 2014 | 2015 Dec 2015 | 2016 Dec 2016 | 2017 Dec 2017 | 2018 Dec 2018 | 2019 Dec 2019 | 2020 Dec 2020 | 2021 Dec 2021 | 2022 Dec 2022 | 2023 Dec 2023 | 2024 Dec 2024 | 2025 Dec 2025 | LTM Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | ||||||||||||||
| Revenue | 33 | 61 | 71 | 94 | 97 | 99 | 96 | 103 | 116 | 105 | 91 | 67 | 43 | 32 |
| EBITDA | — | — | — | −11 | −24 | −10 | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | −11 | −24 | −10 | −11 | −9 | −13 | −28 | −30 | −37 | −26 | −17 |
| Net income | 0 | −7 | 0 | −8 | −22 | −9 | −8 | 1 | −1 | −11 | −26 | 24 | −18 | −16 |
| Diluted EPS | $0.10 | −$1.34 | −$0.09 | −$1.11 | −$2.74 | −$1.08 | −$0.88 | $0.06 | −$0.11 | −$1.00 | −$2.12 | $1.93 | −$1.51 | — |
| Growth (year on year) | ||||||||||||||
| Revenue | — | +82.0% | +16.1% | +32.7% | +3.1% | +2.1% | −2.9% | +7.8% | +12.1% | −9.5% | −13.7% | −25.7% | −35.6% | −49.0% |
| Net income | — | — | — | — | — | — | — | — | — | — | — | — | −178.4% | −152.9% |
| Diluted EPS | — | — | — | — | — | — | — | — | — | — | — | — | −178.2% | — |
| Margins | ||||||||||||||
| EBITDA margin | — | — | — | −11.4% | −24.6% | −10.1% | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | −11.9% | −25.0% | −10.5% | −11.5% | −8.8% | −11.5% | −27.0% | −33.7% | −55.4% | −59.8% | −52.5% |
| Net margin | 1.0% | −11.4% | 0.1% | −9.0% | −22.2% | −9.3% | −8.1% | 0.6% | −0.9% | −10.2% | −28.6% | 35.0% | −42.6% | −49.6% |
| Free-cash-flow margin | 6.7% | 9.6% | −4.7% | 6.4% | 9.4% | −17.3% | 15.9% | 2.8% | 4.6% | −38.6% | −14.8% | −48.6% | −101.3% | −144.0% |
| Cash flow | ||||||||||||||
| Cash from operations | 3 | 6 | −3 | 6 | 9 | −17 | 15 | 3 | 5 | −40 | −13 | −33 | −44 | −46 |
| Capital spending | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | 2 | 6 | −3 | 6 | 9 | −17 | 15 | 3 | 5 | −40 | −13 | −33 | −44 | −46 |
| Stock-based pay | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow after stock pay | 2 | 6 | −4 | 5 | 8 | −18 | 14 | 2 | 5 | −41 | −14 | −33 | −44 | −46 |
| Balance sheet | ||||||||||||||
| Cash | 11 | 18 | 13 | 12 | 12 | 11 | 7 | 8 | 10 | 28 | 11 | 28 | 27 | 13 |
| Total debt | 0 | 28 | 13 | 18 | 29 | 34 | 36 | 41 | 34 | 34 | 25 | 12 | 12 | 12 |
| Net debt (negative = net cash) | −11 | 9 | 0 | 5 | 17 | 23 | 28 | 33 | 24 | 6 | 14 | −16 | −15 | −0 |
| Diluted shares | 3m | 5m | 5m | 8m | 8m | 9m | 9m | 10m | 10m | 11m | 12m | 12m | 12m | — |
| Returned to shareholders | ||||||||||||||
| Buybacks | — | 0 | 0 | 1 | 0 | 1 | 1 | 0 | 0 | — | — | — | — | — |
| Total returned | — | 0 | 0 | 1 | 0 | 1 | 1 | 0 | 0 | — | — | — | — | — |
| Quarter | 2024 Q3 Sept 2024 | 2024 Q4 Dec 2024 | 2025 Q1 Mar 2025 | 2025 Q2 Jun 2025 | 2025 Q3 Sept 2025 | 2025 Q4 Dec 2025 | 2026 Q1 Mar 2026 | 2026 Q2 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 16 | 15 | 16 | 16 | 7 | 5 | 12 | 9 |
| Operating income | −7 | −26 | −4 | −2 | −3 | −15 | −1 | 2 |
| Net income | 53 | −25 | 1 | 2 | −4 | −17 | 3 | 3 |
| Diluted EPS | $4.32 | −$2.07 | $0.04 | $1.17 | −$2.24 | −$1.40 | $1.05 | $0.68 |
| Growth (year on year) | ||||||||
| Revenue | −37.0% | −10.0% | −14.8% | −9.9% | −58.3% | −68.7% | −27.3% | −43.3% |
| Operating income | — | — | −997.2% | — | — | — | — | — |
| Net income | — | — | — | — | −107.5% | — | +402.3% | +23.6% |
| Diluted EPS | — | — | — | — | −151.9% | — | +>999% | −41.9% |
| Margins | ||||||||
| Operating margin | −45.8% | −178.6% | −27.9% | −12.4% | −43.6% | −322.7% | −9.2% | 22.7% |
| Net margin | 329.6% | −172.4% | 3.3% | 12.7% | −59.4% | −369.2% | 22.7% | 27.7% |
| Free-cash-flow margin | −67.0% | −135.8% | −96.1% | −17.1% | −10.2% | −545.6% | −72.0% | −129.9% |
| Cash flow | ||||||||
| Cash from operations | −11 | −20 | −15 | −3 | −1 | −25 | −8 | −12 |
| Capital spending | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | −11 | −20 | −15 | −3 | −1 | −25 | −8 | −12 |
| Stock-based pay | −0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow after stock pay | −11 | −20 | −15 | −3 | −1 | −25 | −8 | −12 |
| Last 12 months unless stated | PRHI | MBI | KWY | KINS | NODK | ITIC | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $32m | $94m | $154m | $238m | $267m | $293m | $1.7bn |
| Revenue growth, last 12 months | −49.0% | −8.7% | 32.8% | 28.0% | −13.9% | 8.7% | 8.0% |
| Revenue growth, 3-year average | −32.6% | −3.3% | 15.6% | 17.6% | −2.5% | 5.0% | 9.5% |
| Revenue growth, latest quarter | −43.3% | 17.4% | 27.6% | 25.9% | −7.7% | 17.5% | 4.2% |
| Operating margin | −52.5% | — | −0.1% | — | — | — | 9.4% |
| Operating margin, 3-year average | −51.1% | — | −0.1% | — | — | — | 1.8% |
| Net margin | −49.6% | −154.3% | −4.9% | 14.8% | 2.9% | 13.8% | 10.5% |
| Cash from operations / revenue | −144.0% | 45.7% | 1.7% | 36.3% | −12.2% | 10.9% | 18.2% |
| Free-cash-flow margin | −144.0% | 45.7% | −3.7% | 34.9% | −12.2% | 9.0% | 17.6% |
| Free-cash-flow margin, 3-year average | −79.8% | 69.0% | −4.7% | 28.0% | 4.8% | 8.1% | 16.5% |
| Stock pay / revenue | 0.2% | 0.2% | 1.7% | 0.8% | 0.3% | 0.2% | 0.6% |
| Change in share count | −0.0% | 3.0% | 5.3% | 4.7% | −1.0% | −0.0% | −0.7% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | -49.0% | 8.3% | 48 of 48 |
| Change in growth rate Growth | -9.4pp | -0.7pp | 44 of 48 |
| Operating margin Profitability | -52.5% | 8.0% | 9 of 9 |
| Net margin Profitability | -49.6% | 10.8% | 45 of 48 |
| Stock pay as % of revenue Cash generation | 0.2% | 0.7% | 3 of 34 |
| Change in share count Balance sheet | -0.0% | -0.7% | 33 of 47 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Iat Reinsurance Co Ltd. | $175,357 | 36K | 65.1% | — |
| Vanguard Fiduciary Trust Co | $49,296 | 10K | 18.3% | — |
| Nemes Rush Group LLC | $18,368 | 4K | 6.8% | — |
| Vanguard Capital Management LLC | $12,054 | 2K | 4.5% | — |
| UBS Group AG | $5,111 | 1K | 1.9% | — |
| Tower Research Capital LLC (TRC) | $3,354 | 1K | 1.2% | — |
| Osaic Holdings, Inc. | $2,803 | 1K | 1.0% | — |
| Corecap Advisors, LLC | $2,759 | 1K | 1.0% | — |
| Morgan Stanley | $368 | 0K | 0.1% | — |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Presurance Holdings, Inc.'s complete shareholder register. Values are as reported by the filers .
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Meloche Harold J CFO, Treasurer | September 30, 2026 | Buy | 4,100 | $6.38 | $26,138 |
| Roney Brian J Chief Executive Officer | September 30, 2026 | Buy | 7,500 | $6.75 | $50,623 |
| Smith James Grant Director | September 30, 2026 | Buy | 7,250 | $6.75 | $48,935 |
| O'Hanlon Isolde Director | September 30, 2026 | Buy | 7,250 | $6.75 | $48,935 |
| Sarafa Joseph D Director | September 30, 2026 | Buy | 11,000 | $6.75 | $74,247 |
| Lamothe Timothy Director | August 27, 2026 | Sell | 2,478 | $6.51 | $16,132 |
| Smith James Grant Director | April 13, 2026 | Buy | 23,672 | $0.74 | $17,517 |
| Smith James Grant Director | April 6, 2026 | Buy | 1,100 | $0.80 | $880 |
| Roney Brian J Chief Executive Officer | April 1, 2026 | Buy | 100,000 | $0.72 | $72,000 |
| Clarkston Companies, Inc. 10% owner | February 27, 2026 | Buy | 9,065,360 | $1.00 | $9.1M |
| Clarkston Companies, Inc. 10% owner | December 23, 2025 | Buy | 1,600 | $5000.00 | $8M |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around November 16, 2026 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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