NASDAQ : PRHI
Presurance Holdings, Inc. — Financial statements
Financials · Insurance - Property & Casualty · United States
Last price 7.19 USD (Oct 30, 2026, 3:06 PM EDT) · Market cap 26.93M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 25.24M | 32.39M | 60.86M | 83.94M | 96.71M | 98.80M |
| Total Interest & Dividend Income | 4.60M | 5.04M | 5.76M | 5.45M | 3.04M | 1.97M |
| Gain (Loss) on Sale of Investments | -190.00K | -482.00K | -328.00K | 588.00K | -1.10M | 858.00K |
| Other Revenue | 153.00K | 142.00K | 328.00K | 552.00K | 6.24M | 2.68M |
| Total Revenue | 29.80M | 37.08M | 66.62M | 90.52M | 104.89M | 104.31M |
| Policy Benefits | 27.70M | 38.54M | 73.30M | 82.41M | 81.44M | 69.86M |
| Policy Acquisition & Underwriting Costs | 6.92M | 8.40M | 13.34M | 15.80M | 22.18M | 28.45M |
| Selling, General & Administrative | 8.67M | 11.47M | 11.83M | 16.74M | 18.79M | 16.51M |
| Total Operating Expenses | 43.30M | 58.42M | 98.47M | 114.95M | 122.41M | 114.82M |
| Operating Income | -13.50M | -21.33M | -31.84M | -24.43M | -17.52M | -10.51M |
| Interest Expense | -4.43M | -3.19M | -4.88M | -3.21M | -2.97M | -2.85M |
| Earnings From Equity Investments | 368.00K | 824.00K | ||||
| EBT Excluding Unusual Items | -17.93M | -24.52M | -36.73M | -27.63M | -20.12M | -12.54M |
| Gain (Loss) on Sale of Assets | 8.91M | |||||
| Other Unusual Items | 2.18M | 6.22M | 646.00K | 2.75M | ||
| Pretax Income | -15.75M | -18.30M | -36.08M | -27.63M | -20.12M | -886.00K |
| Income Tax Expense | 103.00K | 141.00K | -1.84M | -353.00K | -9.44M | 208.00K |
| Earnings From Continuing Ops. | -15.85M | -18.44M | -34.24M | -27.28M | -10.68M | -1.09M |
| Earnings From Discontinued Ops. | 58.59M | 1.38M | ||||
| Net Income to Company | -15.85M | -18.44M | 24.35M | -25.90M | -10.68M | -1.09M |
| Net Income | -15.85M | -18.44M | 24.35M | -25.90M | -10.68M | -1.09M |
| Preferred Dividends & Other Adjustments | 817.00K | 19.00K | ||||
| Net Income to Common | -15.85M | -18.44M | 23.53M | -25.92M | -10.68M | -1.09M |
| Shares Outstanding (Basic) | 2.43M | 1.75M | 1.75M | 1.75M | 1.53M | 1.38M |
| Shares Outstanding (Diluted) | 2.43M | 1.75M | 1.75M | 1.75M | 1.53M | 1.38M |
| EPS (Basic) | -6.54 | -10.56 | 13.48 | -14.85 | -6.99 | -0.79 |
| EPS (Diluted) | -6.54 | -10.57 | 13.46 | -14.85 | -7.00 | -0.79 |
| Free Cash Flow | -46.05M | -43.88M | -32.68M | -13.39M | -40.47M | 4.28M |
| Free Cash Flow Per Share | -18.99 | -25.13 | -18.71 | -7.67 | -26.50 | 3.09 |
| Operating Margin | -45.29% | -57.52% | -47.79% | -26.98% | -16.70% | -10.08% |
| Profit Margin | -53.19% | -49.72% | 35.32% | -28.64% | -10.18% | -1.05% |
| Free Cash Flow Margin | -154.53% | -118.33% | -49.05% | -14.79% | -38.59% | 4.11% |
| EBITDA | -13.24M | -21.08M | -30.17M | -23.88M | -17.10M | -10.09M |
| EBITDA Margin | -44.43% | -56.84% | -45.29% | -26.38% | -16.30% | -9.67% |
| D&A For EBITDA | 254.50K | 255.00K | 1.67M | 545.00K | 417.00K | 423.00K |
| EBIT | -13.50M | -21.33M | -31.84M | -24.43M | -17.52M | -10.51M |
| EBIT Margin | -45.29% | -57.52% | -47.79% | -26.98% | -16.70% | -10.08% |
| Revenue as Reported | 31.98M | 43.30M | 67.27M | 90.52M | 104.89M | 115.96M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 85.56M | 88.31M | 105.67M | 122.11M | 110.20M | 149.78M |
| Investments in Equity & Preferred Securities | 1.25M | 1.53M | 1.85M | 3.75M | 3.07M | 9.93M |
| Other Investments | 28.39M | 24.73M | 21.15M | 20.84M | 25.93M | 23.01M |
| Total Investments | 115.19M | 114.56M | 128.67M | 146.71M | 139.20M | 182.73M |
| Cash & Equivalents | 12.80M | 27.36M | 27.65M | 10.66M | 28.04M | 9.91M |
| Reinsurance Recoverable | 66.58M | 69.84M | 91.41M | 83.43M | 89.30M | 41.69M |
| Other Receivables | 5.56M | 5.65M | 10.03M | 30.48M | 23.12M | 27.02M |
| Deferred Policy Acquisition Cost | 6.30M | 2.70M | 6.38M | 6.41M | 10.29M | 12.27M |
| Property, Plant & Equipment | 120.00K | 101.00K | 960.00K | 1.30M | 1.40M | |
| Other Current Assets | 13.24M | 16.31M | 14.16M | 32.36M | 16.40M | 8.30M |
| Other Long-Term Assets | 2.80M | 2.75M | 3.25M | 4.61M | 4.70M | 7.09M |
| Total Assets | 222.47M | 239.28M | 281.66M | 315.61M | 312.35M | 290.40M |
| Accounts Payable | 4.84M | 4.93M | 2.39M | 4.03M | 7.57M | 5.17M |
| Unpaid Claims | 125.24M | 146.26M | 189.28M | 174.61M | 165.54M | 139.09M |
| Unearned Premiums | 24.29M | 25.70M | 30.59M | 65.15M | 67.89M | 65.27M |
| Reinsurance Payable | 20.04M | 26.73M | 25.83M | 38.78M | 17.23M | 5.32M |
| Current Portion of Long-Term Debt | 24.19M | |||||
| Current Portion of Leases | 86.00K | |||||
| Long-Term Debt | 20.31M | 26.57M | 11.93M | 25.06M | 9.69M | 33.56M |
| Long-Term Leases | 33.00K | 102.00K | 1.00M | 1.30M | 1.50M | |
| Other Current Liabilities | 4.08M | |||||
| Total Liabilities | 194.73M | 230.32M | 260.13M | 312.72M | 293.40M | 249.90M |
| Preferred Stock, Convertible | 6.00M | |||||
| Common Stock | 113.92M | 100.16M | 98.18M | 98.10M | 97.91M | 92.69M |
| Retained Earnings | -76.43M | -81.59M | -63.15M | -86.68M | -60.76M | -50.08M |
| Comprehensive Income & Other | -9.74M | -9.60M | -13.50M | -14.53M | -18.20M | -2.11M |
| Total Common Equity | 27.75M | 8.97M | 21.52M | -3.11M | 18.95M | 40.50M |
| Shareholders' Equity | 27.75M | 8.97M | 21.52M | 2.89M | 18.95M | 40.50M |
| Total Liabilities & Equity | 222.47M | 239.28M | 281.66M | 315.61M | 312.35M | 290.40M |
| Filing Date Shares Outstanding | 3.75M | 3.75M | 1.75M | 1.75M | 1.75M | 1.39M |
| Total Common Shares Outstanding | 3.75M | 1.75M | 1.75M | 1.75M | 1.75M | 1.39M |
| Total Debt | 20.31M | 26.69M | 12.03M | 26.06M | 35.18M | 35.06M |
| Net Cash (Debt) | -7.52M | 676.00K | 15.62M | -15.40M | -7.14M | -25.15M |
| Net Cash Per Share | -3.10 | 0.39 | 8.95 | -8.82 | -4.68 | -18.17 |
| Book Value Per Share | 7.41 | 5.13 | 12.33 | -1.78 | 10.86 | 29.21 |
| Tangible Book Value | 27.75M | 8.97M | 21.52M | -3.11M | 18.95M | 40.50M |
| Tangible Book Value Per Share | 7.41 | 5.13 | 12.33 | -1.78 | 10.86 | 29.21 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -15.85M | -18.44M | 24.35M | -25.90M | -10.68M | -1.09M |
| Depreciation & Amortization | 255.00K | 255.00K | 1.67M | 545.00K | 417.00K | 423.00K |
| Gain (Loss) on Sale of Assets | -500.00K | 33.00K | -8.91M | |||
| Gain (Loss) on Sale of Investments | 1.23M | 624.00K | -91.00K | -1.46M | -8.63M | -335.00K |
| Stock-Based Compensation | 52.00K | 56.00K | 78.00K | 190.00K | 211.00K | 218.00K |
| Change in Accounts Receivable | 2.87M | 4.38M | 19.22M | -4.19M | -594.00K | -811.00K |
| Reinsurance Recoverable | 17.18M | 21.57M | -7.98M | 5.88M | -47.61M | -15.34M |
| Change in Accounts Payable | -1.81M | 2.56M | -4.04M | -239.00K | 1.35M | -1.37M |
| Change in Unearned Revenue | -10.95M | -4.89M | -34.56M | -2.74M | 2.62M | 9.04M |
| Change in Insurance Reserves / Liabilities | -39.40M | -43.02M | 687.00K | 23.06M | 26.45M | 27.82M |
| Change in Other Net Operating Assets | 14.91M | -6.94M | 26.15M | 278.00K | 2.86M | -6.04M |
| Other Operating Activities | -2.18M | -6.22M | -60.63M | -1.19M | -9.34M | -2.73M |
| Operating Cash Flow | -46.05M | -43.88M | -32.68M | -13.39M | -40.47M | 5.36M |
| Capital Expenditures | -1.07M | |||||
| Cash Acquisitions | -1.95M | |||||
| Investment in Securities | 22.66M | 18.09M | 19.20M | -1.67M | 26.19M | -2.55M |
| Other Investing Activities | 10.00M | 51.09M | 1.40M | 1.00M | ||
| Investing Cash Flow | 22.66M | 28.09M | 70.29M | -272.00K | 56.50M | 1.38M |
| Long-Term Debt Issued | 6.73M | 19.50M | 3.00M | |||
| Total Debt Repaid | -14.25M | -13.97M | -22.42M | -8.00M | ||
| Net Debt Issued (Repaid) | -14.25M | -7.24M | -2.92M | -5.00M | ||
| Issuance of Common Stock | 14.00M | 5.00M | ||||
| Repurchases of Common Stock | -1.00K | -3.00K | -12.00K | |||
| Issuance of Preferred Stock | 8.00M | 13.58M | 6.00M | |||
| Repurchases of Preferred Stock | -7.50M | -6.40M | ||||
| Preferred Dividends Paid | -439.00K | |||||
| Total Dividends Paid | -439.00K | |||||
| Other Financing Activities | -261.00K | 1.92M | -2.00M | 10.00K | ||
| Financing Cash Flow | 14.24M | 15.50M | -21.09M | -3.25M | 2.09M | -5.01M |
| Net Cash Flow | -9.15M | -292.00K | 16.53M | -16.91M | 18.12M | 1.72M |
| Free Cash Flow | -46.05M | -43.88M | -32.68M | -13.39M | -40.47M | 4.28M |
| Free Cash Flow Margin | -154.53% | -118.33% | -49.05% | -14.79% | -38.59% | 4.11% |
| Free Cash Flow Per Share | -18.99 | -25.13 | -18.71 | -7.67 | -26.50 | 3.09 |
| Levered Free Cash Flow | -32.79M | -129.44M | -29.41M | -450.00K | -23.52M | -8.99M |
| Unlevered Free Cash Flow | -30.02M | -127.45M | -26.36M | 1.55M | -21.67M | -7.20M |
| Cash Interest Paid | 2.82M | 2.35M | 4.26M | 3.08M | 2.98M | 2.88M |
| Cash Income Tax Paid | 119.00K | 143.00K | 1.00K | 1.00K | -11.00K | 163.00K |
| Change in Working Capital | -29.56M | -20.16M | -745.00K | 20.23M | -12.12M | 18.61M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 26.37M | 8.71M | 14.30M | 13.44M | 19.18M | 22.52M |
| Enterprise Value | 33.89M | 19.55M | -1.62M | 24.35M | 32.06M | 49.50M |
| PE Ratio | 0.61 | |||||
| PS Ratio | 0.88 | 0.23 | 0.21 | 0.15 | 0.18 | 0.22 |
| PB Ratio | 0.95 | 0.97 | 0.66 | 4.65 | 1.01 | 0.56 |
| P/FCF Ratio | 5.26 | |||||
| P/OCF Ratio | 4.21 | |||||
| EV/Sales Ratio | 1.14 | 0.53 | 0.27 | 0.31 | 0.47 | |
| EV/FCF Ratio | 11.55 | |||||
| Debt / Equity Ratio | 0.73 | 2.98 | 0.56 | 9.02 | 1.86 | 0.87 |
| Debt / FCF Ratio | 8.19 | |||||
| Net Debt / Equity Ratio | 0.27 | -0.07 | -0.73 | 5.33 | 0.38 | 0.62 |
| Net Debt / EBITDA Ratio | -0.57 | 0.03 | 0.52 | -0.65 | -0.42 | -2.49 |
| Net Debt / FCF Ratio | -0.16 | 0.01 | 0.48 | -1.15 | -0.18 | 5.87 |
| Quick Ratio | 0.27 | 0.51 | 0.24 | 0.22 | 0.27 | 0.28 |
| Current Ratio | 0.73 | 1.27 | 0.66 | 0.62 | 0.65 | 0.51 |
| Asset Turnover | 0.12 | 0.14 | 0.22 | 0.29 | 0.35 | 0.38 |
| Return on Equity (ROE) | -56.66% | -120.94% | -280.50% | -249.82% | -35.93% | -2.58% |
| Return on Assets (ROA) | -3.34% | -5.12% | -6.66% | -4.86% | -3.63% | -2.38% |
| Return on Invested Capital (ROIC) | -28.87% | -61.64% | -101.88% | -58.80% | -27.02% | -13.06% |
| Earnings Yield | -92.93% | -211.66% | 170.25% | -192.68% | -55.69% | -4.86% |
| FCF Yield | -174.63% | -503.74% | -228.51% | -99.61% | -211.03% | 19.02% |
| Payout Ratio | 1.80% | |||||
| Buyback Yield / Dilution | -38.92% | -0.02% | -14.29% | -10.32% | -0.69% |