Tearsheet

Presurance (PRHI)


Market Price (12/4/2025): $0.9045 | Market Cap: $11.1 Mil
Sector: Financials | Industry: Property & Casualty Insurance

Presurance (PRHI)


Market Price (12/4/2025): $0.9045
Market Cap: $11.1 Mil
Sector: Financials
Industry: 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


0 Attractive yield
Total 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 returns
2Y Excs Rtn is -62%, 3Y Excs Rtn is -112%
Penny stock
Mkt Price is 0.9
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -658%
  Weak revenue growth
Rev 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%
2   Not cash flow generative
CFO/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%
3   Valuation getting more expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 204%
4   High stock price volatility
Vol 12M is 120%
0 Attractive yield
Total 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%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -658%
2 Weak multi-year price returns
2Y Excs Rtn is -62%, 3Y Excs Rtn is -112%
3 Penny stock
Mkt Price is 0.9
4 Weak revenue growth
Rev 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%
5 Not cash flow generative
CFO/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%
6 Valuation getting more expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 204%
7 High stock price volatility
Vol 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.

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Stock Movement Drivers

Return vs. Risk


Price Returns Compared

 202020212022202320242025Total [1]
Returns
PRHI Return-18%-29%-32%-30%6%-21%-77%
Peers Return4%27%11%16%31%12%151%
S&P 500 Return16%27%-19%24%23%16%112%

Monthly Win Rates [3]
PRHI Win Rate42%33%33%42%58%50% 
Peers Win Rate60%57%53%62%68%58% 
S&P 500 Win Rate58%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

Unique KeyEventPRHIS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-83.6%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven510.3%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-46.7%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven87.6%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven276 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-62.5%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven166.3%24.7%
2018 CorrectionTime to BreakevenTime to BreakevenNot Fully Recovered days120 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

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Asset Allocation

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About Presurance (PRHI)

Better Bets than Presurance (PRHI)

Trade Ideas

Select past ideas related to PRHI. For more, see Trefis Trade Ideas.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
WU_11212025_Dip_Buyer_FCFYield11212025WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
3.4%3.4%-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper11212025COINCoinbase GlobalMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
9.5%9.5%0.0%
PYPL_11142025_Dip_Buyer_FCFYield11142025PYPLPayPalDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
0.1%0.1%-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper11142025VVisaMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
-0.1%-0.1%-2.7%
WD_11072025_Dip_Buyer_ValueBuy11072025WDWalker & DunlopDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin
-7.7%-7.7%-11.0%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
WU_11212025_Dip_Buyer_FCFYield11212025WUWestern UnionDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
3.4%3.4%-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper11212025COINCoinbase GlobalMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
9.5%9.5%0.0%
PYPL_11142025_Dip_Buyer_FCFYield11142025PYPLPayPalDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin
0.1%0.1%-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper11142025VVisaMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple
-0.1%-0.1%-2.7%
WD_11072025_Dip_Buyer_ValueBuy11072025WDWalker & DunlopDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin
-7.7%-7.7%-11.0%

Recent Active Movers

Recent Active Movers

More From Trefis

Peer Comparisons for Presurance

Peers to compare with:

Financials

PRHIHIGFNFPGRCBTRVMedian
NamePresuran.Hartford.Fidelity.Progress.Chubb Traveler. 
Mkt Price0.91133.0458.19227.18295.05284.27180.11
Mkt Cap0.037.415.8133.2117.263.750.5
Rev LTM5227,69213,29782,37658,90048,40938,050
Op Inc LTM-------
FCF LTM-495,8656,72716,47213,3219,9858,356
FCF 3Y Avg-304,9226,25012,35013,4098,6827,466
CFO LTM-495,9886,87216,80013,3219,9858,428
CFO 3Y Avg-305,1096,38812,63413,4098,6827,535

Growth & Margins

PRHIHIGFNFPGRCBTRVMedian
NamePresuran.Hartford.Fidelity.Progress.Chubb Traveler. 
Rev Chg LTM-33.1%6.9%7.4%21.5%6.7%6.7%6.8%
Rev Chg 3Y Avg-19.7%8.6%-0.7%20.0%12.2%10.1%9.3%
Rev Chg Q-39.8%6.4%16.8%21.3%8.2%4.8%7.3%
QoQ Delta Rev Chg LTM-12.0%1.6%4.0%4.9%2.2%1.2%1.9%
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM-93.7%21.6%51.7%20.4%22.6%20.6%21.1%
CFO/Rev 3Y Avg-45.9%19.6%51.9%18.0%24.8%19.4%19.5%
FCF/Rev LTM-93.7%21.2%50.6%20.0%22.6%20.6%20.9%
FCF/Rev 3Y Avg-45.9%18.9%50.8%17.6%24.8%19.4%19.1%

Valuation

PRHIHIGFNFPGRCBTRVMedian
NamePresuran.Hartford.Fidelity.Progress.Chubb Traveler. 
Mkt Cap0.037.415.8133.2117.263.750.5
P/S0.31.41.11.91.91.31.3
P/EBIT-0.68.19.111.78.58.18.3
P/E0.510.514.215.011.610.711.1
P/CFO-0.36.32.29.38.46.36.3
Total Yield204.4%11.1%10.6%8.5%10.0%10.2%10.4%
Dividend Yield0.0%1.6%3.6%1.8%1.3%0.8%1.4%
FCF Yield 3Y Avg-206.4%15.8%50.1%10.3%12.9%17.2%14.4%
D/E0.80.10.30.00.20.10.2
Net D/E-6.6-0.5-1.8-0.0-0.2-1.4-0.9

Returns

PRHIHIGFNFPGRCBTRVMedian
NamePresuran.Hartford.Fidelity.Progress.Chubb Traveler. 
1M Rtn-37.9%7.5%5.1%11.5%6.0%6.2%6.1%
3M Rtn20.8%0.4%-1.7%-7.9%6.4%3.2%1.8%
6M Rtn17.7%4.9%9.4%-19.4%1.8%5.4%5.1%
12M Rtn-19.1%12.0%-4.2%-11.7%4.5%10.9%0.1%
3Y Rtn-43.7%85.9%75.3%76.6%40.7%58.9%67.1%
1M Excs Rtn-37.9%7.6%5.1%11.6%6.1%6.2%6.2%
3M Excs Rtn15.5%-6.1%-8.2%-14.1%0.4%-3.2%-4.7%
6M Excs Rtn2.9%-9.9%-5.3%-34.1%-12.9%-9.3%-9.6%
12M Excs Rtn-31.4%-3.4%-18.6%-27.3%-10.0%-4.9%-14.3%
3Y Excs Rtn-112.4%16.1%-0.1%7.2%-29.7%-11.1%-5.6%

Financials

Price Behavior

Short Interest

Short Interest: As Of Date11142025
Short Interest: Shares Quantity68,230
Short Interest: % Change Since 10312025-36.8%
Average Daily Volume31,608
Days-to-Cover Short Interest2.16
Basic Shares Quantity12,222,881
Short % of Basic Shares0.6%

SEC Filings

Expand for More

Report DateFiling DateFiling
6302025813202510-Q 6/30/2025
3312025514202510-Q 3/31/2025
12312024328202510-K 12/31/2024
93020241113202410-Q 9/30/2024
6302024813202410-Q 6/30/2024
3312024514202410-Q 3/31/2024
12312023401202410-K 12/31/2023
93020231113202310-Q 9/30/2023
6302023809202310-Q 6/30/2023
3312023511202310-Q 3/31/2023
12312022327202310-K 12/31/2022
93020221109202210-Q 9/30/2022
6302022811202210-Q 6/30/2022
3312022512202210-Q 3/31/2022
12312021310202210-K 12/31/2021
93020211110202110-Q 9/30/2021