Presurance Holdings Inc. Common Stock (PRHI)

FairStock Score: 52/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for consistency, conservatism, and a margin of safety. Presurance is a tiny specialty property and casualty insurer, and the filed record is anything but consistent. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $9.1M and net income of $2.5M, or diluted EPS of $0.68. In fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $11.5M with net income of $2.6M and diluted EPS of $0.15. That is encouraging. But fiscal 2025, ended 2025-12-31, produced revenue of $43.3M and a net loss of $18.4M, or diluted EPS of -$1.51. Fiscal 2024 earned $24.3M on $67.3M of revenue, while fiscal 2023 lost $25.9M on $90.5M. Revenue has fallen from $90.5M to $67.3M to $43.3M, so this is not a steady compounder. At the 2026-10-13 close of $8.00, FairStock calculates a P/B of 1.08, a negative P/E of -0.77, and ROE of -56.67%. The debt-to-equity ratio is 0.73, and its Piotroski F-Score is 4/9. The Lynch category is TURNAROUND. For an insurer, underwriting discipline is everything; the combined ratio, reserve development, and risk-based capital are not in the data, and CET1 and NIM are bank measures not provided. Without those, I cannot judge whether recent profits are durable. The stock sells near book value, but book value is only trustworthy if reserves are adequate. I would need several quarters of consistent underwriting profits before calling this a safe value.

In plain English: Presurance Holdings is a small specialty property and casualty insurer serving individuals and businesses. It has swung between large losses and profits in recent years while revenue has been falling, so the business looks unstable rather than steady. At $8.00, the stock is close to the value of its net assets, but the uneven record makes the price look fair rather than clearly cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer