Presurance (PRHI)
Market Price (12/4/2025): $0.9045 | Market Cap: $11.1 MilSector: Financials | Industry: Property & Casualty Insurance
Presurance (PRHI)
Market Price (12/4/2025): $0.9045Market Cap: $11.1 MilSector: FinancialsIndustry: Property & Casualty Insurance
Investment Highlights
Why It Matters
Which of these 2 stories sounds closer for this stock?
1. Generates cash flow
The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.
2. Riding a trend
Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 204%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 200% | Weak multi-year price returns2Y Excs Rtn is -62%, 3Y Excs Rtn is -112% | Penny stockMkt Price is 0.9 |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -658% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -33%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -20%, Rev Chg QQuarterly Revenue Change % is -40% | |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -94%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -94% | ||
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 204% | ||
| High stock price volatilityVol 12M is 120% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 204%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 200% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -658% |
| Weak multi-year price returns2Y Excs Rtn is -62%, 3Y Excs Rtn is -112% |
| Penny stockMkt Price is 0.9 |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -33%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -20%, Rev Chg QQuarterly Revenue Change % is -40% |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -94%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -94% |
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 204% |
| High stock price volatilityVol 12M is 120% |
Valuation, Metrics & Events
PRHI Stock
Why The Stock Moved
Qualitative Assessment
AI Generated Analysis | Feedback
The approximate time period for Presurance (symbol: PRHI) from August 31, 2025, to today (December 4, 2025) saw several key developments that likely influenced the stock's 15.5% movement.
1. Presurance Holdings Inc. reported a significant net loss from continuing operations of $3.97 million for the third quarter of 2025, a substantial decrease compared to a net income of $53.29 million in the same period last year. The net loss allocable to common shareholders was $4.0 million, or $0.32 per share.
2. The company experienced a considerable decline in total revenue and other income, which fell to $6.68 million from $16.02 million year-over-year in Q3 2025. This revenue figure also significantly missed analyst estimates, which had projected $22.19 million. Net earned premiums similarly dropped from $14.60 million to $6.82 million.
Stock Movement Drivers
Return vs. Risk
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PRHI Return | -18% | -29% | -32% | -30% | 6% | -21% | -77% |
| Peers Return | 4% | 27% | 11% | 16% | 31% | 12% | 151% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 16% | 112% |
Monthly Win Rates [3] | |||||||
| PRHI Win Rate | 42% | 33% | 33% | 42% | 58% | 50% | |
| Peers Win Rate | 60% | 57% | 53% | 62% | 68% | 58% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 70% | |
Max Drawdowns [4] | |||||||
| PRHI Max Drawdown | -45% | -34% | -42% | -56% | -41% | -61% | |
| Peers Max Drawdown | -39% | -6% | -11% | -14% | -1% | -7% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: HIG, FNF, PGR, CB, TRV.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/3/2025 (YTD)
How Low Can It Go
| Event | PRHI | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -83.6% | -25.4% |
| % Gain to Breakeven | 510.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -46.7% | -33.9% |
| % Gain to Breakeven | 87.6% | 51.3% |
| Time to Breakeven | 276 days | 148 days |
| 2018 Correction | ||
| % Loss | -62.5% | -19.8% |
| % Gain to Breakeven | 166.3% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
Compare to HIG, FNF, PGR, CB, TRV
In The Past
Presurance's stock fell -83.6% during the 2022 Inflation Shock from a high on 8/30/2021. A -83.6% loss requires a 510.3% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth over time.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Trade Ideas
Select past ideas related to PRHI. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 3.4% | 3.4% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 9.5% | 9.5% | 0.0% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 0.1% | 0.1% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -0.1% | -0.1% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.7% | -7.7% | -11.0% |
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 3.4% | 3.4% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 9.5% | 9.5% | 0.0% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 0.1% | 0.1% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -0.1% | -0.1% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.7% | -7.7% | -11.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons for Presurance
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 180.11 |
| Mkt Cap | 50.5 |
| Rev LTM | 38,050 |
| Op Inc LTM | - |
| FCF LTM | 8,356 |
| FCF 3Y Avg | 7,466 |
| CFO LTM | 8,428 |
| CFO 3Y Avg | 7,535 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 6.8% |
| Rev Chg 3Y Avg | 9.3% |
| Rev Chg Q | 7.3% |
| QoQ Delta Rev Chg LTM | 1.9% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 21.1% |
| CFO/Rev 3Y Avg | 19.5% |
| FCF/Rev LTM | 20.9% |
| FCF/Rev 3Y Avg | 19.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 50.5 |
| P/S | 1.3 |
| P/EBIT | 8.3 |
| P/E | 11.1 |
| P/CFO | 6.3 |
| Total Yield | 10.4% |
| Dividend Yield | 1.4% |
| FCF Yield 3Y Avg | 14.4% |
| D/E | 0.2 |
| Net D/E | -0.9 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 6.1% |
| 3M Rtn | 1.8% |
| 6M Rtn | 5.1% |
| 12M Rtn | 0.1% |
| 3Y Rtn | 67.1% |
| 1M Excs Rtn | 6.2% |
| 3M Excs Rtn | -4.7% |
| 6M Excs Rtn | -9.6% |
| 12M Excs Rtn | -14.3% |
| 3Y Excs Rtn | -5.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 6302025 | 8132025 | 10-Q 6/30/2025 |
| 3312025 | 5142025 | 10-Q 3/31/2025 |
| 12312024 | 3282025 | 10-K 12/31/2024 |
| 9302024 | 11132024 | 10-Q 9/30/2024 |
| 6302024 | 8132024 | 10-Q 6/30/2024 |
| 3312024 | 5142024 | 10-Q 3/31/2024 |
| 12312023 | 4012024 | 10-K 12/31/2023 |
| 9302023 | 11132023 | 10-Q 9/30/2023 |
| 6302023 | 8092023 | 10-Q 6/30/2023 |
| 3312023 | 5112023 | 10-Q 3/31/2023 |
| 12312022 | 3272023 | 10-K 12/31/2022 |
| 9302022 | 11092022 | 10-Q 9/30/2022 |
| 6302022 | 8112022 | 10-Q 6/30/2022 |
| 3312022 | 5122022 | 10-Q 3/31/2022 |
| 12312021 | 3102022 | 10-K 12/31/2021 |
| 9302021 | 11102021 | 10-Q 9/30/2021 |
External Quote Links
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| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |