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PRESURANCE HOLDINGS INC (PRHI) Stock Fundamental Analysis

USA - NASDAQ:PRHI - US20731J1025 - Common Stock

1.14 USD
+0.02 (+1.79%)
Last: 11/14/2025, 8:17:46 PM
1.1 USD
-0.04 (-3.51%)
After Hours: 11/14/2025, 8:17:46 PM
Fundamental Rating

2

PRHI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. PRHI may be in some trouble as it scores bad on both profitability and health. PRHI is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

PRHI had positive earnings in the past year.
PRHI had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: PRHI reported negative net income in multiple years.
In multiple years PRHI reported negative operating cash flow during the last 5 years.
PRHI Yearly Net Income VS EBIT VS OCF VS FCFPRHI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

PRHI's Return On Assets of 10.66% is amongst the best of the industry. PRHI outperforms 97.95% of its industry peers.
Looking at the Return On Equity, with a value of 107.03%, PRHI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 10.66%
ROE 107.03%
ROIC N/A
ROA(3y)-1.09%
ROA(5y)-0.69%
ROE(3y)-281.43%
ROE(5y)-169.13%
ROIC(3y)N/A
ROIC(5y)N/A
PRHI Yearly ROA, ROE, ROICPRHI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

PRHI has a better Profit Margin (48.11%) than 100.00% of its industry peers.
The Operating Margin and Gross Margin are not available for PRHI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 48.11%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PRHI Yearly Profit, Operating, Gross MarginsPRHI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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1

2. Health

2.1 Basic Checks

PRHI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PRHI has about the same amount of shares outstanding.
PRHI has more shares outstanding than it did 5 years ago.
PRHI has a better debt/assets ratio than last year.
PRHI Yearly Shares OutstandingPRHI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
PRHI Yearly Total Debt VS Total AssetsPRHI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

A Debt/Equity ratio of 0.64 indicates that PRHI is somewhat dependend on debt financing.
PRHI has a Debt to Equity ratio of 0.64. This is amonst the worse of the industry: PRHI underperforms 80.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.67%
PRHI Yearly LT Debt VS Equity VS FCFPRHI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRHI Yearly Current Assets VS Current LiabilitesPRHI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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1

3. Growth

3.1 Past

PRHI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 220.03%, which is quite impressive.
The Revenue for PRHI has decreased by -36.73% in the past year. This is quite bad
PRHI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.87% yearly.
EPS 1Y (TTM)220.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%152.44%
Revenue 1Y (TTM)-36.73%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-39.91%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y171.43%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PRHI Yearly Revenue VS EstimatesPRHI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
PRHI Yearly EPS VS EstimatesPRHI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -1 -2 -3

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 0.45 indicates a rather cheap valuation of PRHI.
PRHI's Price/Earnings ratio is rather cheap when compared to the industry. PRHI is cheaper than 99.32% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.89. PRHI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 22.35, which indicates a rather expensive current valuation of PRHI.
Based on the Price/Forward Earnings ratio, PRHI is valued a bit more expensive than 73.29% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PRHI to the average of the S&P500 Index (34.59), we can say PRHI is valued slightly cheaper.
Industry RankSector Rank
PE 0.45
Fwd PE 22.35
PRHI Price Earnings VS Forward Price EarningsPRHI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PRHI Per share dataPRHI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for PRHI!.
Industry RankSector Rank
Dividend Yield N/A

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PRESURANCE HOLDINGS INC

NASDAQ:PRHI (11/14/2025, 8:17:46 PM)

After market: 1.1 -0.04 (-3.51%)

1.14

+0.02 (+1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-11 2025-11-11/amc
Earnings (Next)03-26 2026-03-26/amc
Inst Owners31.83%
Inst Owner ChangeN/A
Ins Owners11.1%
Ins Owner Change-100%
Market Cap13.93M
Revenue(TTM)62.75M
Net Income(TTM)30.19M
Analysts40
Price TargetN/A
Short Float %3.56%
Short Ratio0.07
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP0.36%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-26.41%
Min Revenue beat(2)-36.48%
Max Revenue beat(2)-16.34%
Revenue beat(4)1
Avg Revenue beat(4)-4.07%
Min Revenue beat(4)-36.48%
Max Revenue beat(4)53.4%
Revenue beat(8)5
Avg Revenue beat(8)9.31%
Revenue beat(12)6
Avg Revenue beat(12)5.25%
Revenue beat(16)7
Avg Revenue beat(16)1.88%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.45
Fwd PE 22.35
P/S 0.22
P/FCF N/A
P/OCF N/A
P/B 0.49
P/tB 0.49
EV/EBITDA N/A
EPS(TTM)2.56
EY224.56%
EPS(NY)0.05
Fwd EY4.47%
FCF(TTM)-3.99
FCFYN/A
OCF(TTM)-3.99
OCFYN/A
SpS5.14
BVpS2.31
TBVpS2.31
PEG (NY)0
PEG (5Y)N/A
Graham Number11.53
Profitability
Industry RankSector Rank
ROA 10.66%
ROE 107.03%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 48.11%
GM N/A
FCFM N/A
ROA(3y)-1.09%
ROA(5y)-0.69%
ROE(3y)-281.43%
ROE(5y)-169.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.67%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)220.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%152.44%
EPS Next Y171.43%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-36.73%
Revenue growth 3Y-13.6%
Revenue growth 5Y-6.87%
Sales Q2Q%-39.91%
Revenue Next Year7%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-22.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-84.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-84.29%
OCF growth 3YN/A
OCF growth 5YN/A

PRESURANCE HOLDINGS INC / PRHI FAQ

What is the fundamental rating for PRHI stock?

ChartMill assigns a fundamental rating of 2 / 10 to PRHI.


Can you provide the valuation status for PRESURANCE HOLDINGS INC?

ChartMill assigns a valuation rating of 4 / 10 to PRESURANCE HOLDINGS INC (PRHI). This can be considered as Fairly Valued.


Can you provide the profitability details for PRESURANCE HOLDINGS INC?

PRESURANCE HOLDINGS INC (PRHI) has a profitability rating of 3 / 10.


What is the valuation of PRESURANCE HOLDINGS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PRESURANCE HOLDINGS INC (PRHI) is 0.45 and the Price/Book (PB) ratio is 0.49.


How sustainable is the dividend of PRESURANCE HOLDINGS INC (PRHI) stock?

The dividend rating of PRESURANCE HOLDINGS INC (PRHI) is 0 / 10 and the dividend payout ratio is 0.36%.