Presurance Holdings, Inc. Financials
This page shows Presurance Holdings, Inc. (PRHI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Presurance Holdings, Inc. has an operating margin of -55.4%, meaning the company retains $-55 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -33.7% the prior year.
Presurance Holdings, Inc.'s revenue declined 25.7% year-over-year, from $90.5M to $67.3M. This contraction results in a growth score of 0/100.
Presurance Holdings, Inc. carries a low D/E ratio of 0.55, meaning only $0.55 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 91/100, indicating a strong balance sheet with room for future borrowing.
Presurance Holdings, Inc. earns a strong 113.1% return on equity (ROE), meaning it generates $113 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is up from -897.3% the prior year.
Presurance Holdings, Inc. passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Presurance Holdings, Inc. generates $-1.34 in operating cash flow (-$32.7M OCF vs $24.3M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Presurance Holdings, Inc. earns $-7.6 in operating income for every $1 of interest expense (-$37.3M vs $4.9M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Presurance Holdings, Inc. generated $67.3M in revenue in fiscal year 2024. This represents a decrease of 25.7% from the prior year.
Presurance Holdings, Inc. reported $24.3M in net income in fiscal year 2024. This represents an increase of 193.9% from the prior year.
Presurance Holdings, Inc. earned $1.93 per diluted share (EPS) in fiscal year 2024. This represents an increase of 191.0% from the prior year.
Cash & Balance Sheet
Presurance Holdings, Inc. held $27.7M in cash against $11.9M in long-term debt as of fiscal year 2024.
Presurance Holdings, Inc. had 12M shares outstanding in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Margins & Returns
Presurance Holdings, Inc.'s operating margin was -55.4% in fiscal year 2024, reflecting core business profitability. This is down 21.8 percentage points from the prior year.
Presurance Holdings, Inc.'s net profit margin was 36.2% in fiscal year 2024, showing the share of revenue converted to profit. This is up 64.8 percentage points from the prior year.
Presurance Holdings, Inc.'s ROE was 113.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 1010.4 percentage points from the prior year.
Capital Allocation
PRHI Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.7M-58.6% | $16.1M+1.6% | $15.9M+7.8% | $14.7M-8.1% | $16.0M-10.5% | $17.9M-3.9% | $18.6M+19.5% | $15.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | -$2.9M+20.1% | -$3.6M+17.8% | -$4.4M+83.0% | -$26.1M-255.7% | -$7.3M-68.5% | -$4.4M-981.0% | $494K+102.5% | -$19.7M |
| Interest Expense | $874K+1.2% | $864K+59.7% | $541K-37.3% | $863K-62.1% | $2.3M+162.1% | $868K-1.0% | $877K+3.8% | $845K |
| Income Tax | $0 | $0 | $0-100.0% | $11K+100.8% | -$1.4M-310.5% | -$333K-120.5% | -$151K-245.2% | $104K |
| Net Income | -$4.0M-293.6% | $2.1M+292.9% | $522K+102.1% | -$24.6M-146.5% | $52.8M+1436.4% | -$4.0M-5437.8% | $74K+100.4% | -$19.5M |
| EPS (Diluted) | $-0.32-288.2% | $0.17+325.0% | $0.04 | N/A | $4.32+1450.0% | $-0.32-3300.0% | $0.01 | N/A |
PRHI Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $285.0M+0.6% | $283.3M+2.2% | $277.1M-1.6% | $281.7M-6.1% | $299.9M+2.4% | $292.9M-2.7% | $301.1M-4.6% | $315.6M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $7.4M-66.2% | $22.0M+113.5% | $10.3M-62.8% | $27.7M-14.6% | $32.4M+234.0% | $9.7M-44.0% | $17.3M+62.4% | $10.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $259.7M+1.8% | $255.1M+1.4% | $251.5M-3.3% | $260.1M+3.7% | $250.8M-14.7% | $294.1M-1.5% | $298.5M-4.5% | $312.7M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $12.1M+0.5% | $12.1M+0.5% | $12.0M+0.5% | $11.9M-27.6% | $16.5M-33.7% | $24.8M-0.5% | $24.9M-0.5% | $25.1M |
| Total Equity | $25.3M-10.3% | $28.2M+10.3% | $25.6M+18.9% | $21.5M-56.1% | $49.1M+4310.4% | -$1.2M-145.5% | $2.6M-11.4% | $2.9M |
| Retained Earnings | -$64.5M-6.6% | -$60.6M+3.3% | -$62.6M+0.8% | -$63.2M-67.2% | -$37.8M+58.3% | -$90.6M-4.6% | -$86.6M+0.1% | -$86.7M |
PRHI Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$681K+75.3% | -$2.8M+81.9% | -$15.3M+23.7% | -$20.0M-86.5% | -$10.7M-5.9% | -$10.1M-223.9% | $8.2M+164.6% | -$12.7M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$13.9M-196.0% | $14.4M+250.1% | -$9.6M | N/A | $49.2M+1586.2% | $2.9M+287.2% | -$1.6M-141.3% | $3.8M |
| Financing Cash Flow | $0 | $0-100.0% | $7.5M+266.7% | -$4.5M+71.4% | -$15.8M-3760.8% | -$408K+4.2% | -$426K-107.5% | $5.7M |
| Dividends Paid | $0 | N/A | N/A | N/A | $0+100.0% | -$176K-200.0% | $176K | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
PRHI Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | -43.6%-21.0pp | -22.6%+5.3pp | -27.9%+149.2pp | -177.1%-131.4pp | -45.8%-21.5pp | -24.3%-27.0pp | 2.6%+129.4pp | -126.7% |
| Net Margin | -59.4%-72.2pp | 12.7%+9.4pp | 3.3%+170.1pp | -166.8%-496.4pp | 329.6%+351.6pp | -22.1%-22.5pp | 0.4%+125.4pp | -125.0% |
| Return on Equity | -15.7%-23.0pp | 7.3%+5.2pp | 2.0%+116.2pp | -114.1%-221.7pp | 107.6% | N/A | 2.9%+677.1pp | -674.3% |
| Return on Assets | -1.4%-2.1pp | 0.7%+0.5pp | 0.2%+8.9pp | -8.7%-26.3pp | 17.6%+18.9pp | -1.4%-1.4pp | 0.0%+6.2pp | -6.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.48+0.1 | 0.43-0.0 | 0.47-0.1 | 0.55+0.2 | 0.34+21.7 | -21.32-31.1 | 9.75+1.1 | 8.67 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Frequently Asked Questions
What is Presurance Holdings, Inc.'s annual revenue?
Presurance Holdings, Inc. (PRHI) reported $67.3M in total revenue for fiscal year 2024. This represents a -25.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Presurance Holdings, Inc.'s revenue growing?
Presurance Holdings, Inc. (PRHI) revenue declined by 25.7% year-over-year, from $90.5M to $67.3M in fiscal year 2024.
Is Presurance Holdings, Inc. profitable?
Yes, Presurance Holdings, Inc. (PRHI) reported a net income of $24.3M in fiscal year 2024, with a net profit margin of 36.2%.
How much debt does Presurance Holdings, Inc. have?
As of fiscal year 2024, Presurance Holdings, Inc. (PRHI) had $27.7M in cash and equivalents against $11.9M in long-term debt.
What is Presurance Holdings, Inc.'s operating margin?
Presurance Holdings, Inc. (PRHI) had an operating margin of -55.4% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Presurance Holdings, Inc.'s net profit margin?
Presurance Holdings, Inc. (PRHI) had a net profit margin of 36.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Presurance Holdings, Inc.'s return on equity (ROE)?
Presurance Holdings, Inc. (PRHI) has a return on equity of 113.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Presurance Holdings, Inc.'s operating cash flow?
Presurance Holdings, Inc. (PRHI) generated -$32.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Presurance Holdings, Inc.'s total assets?
Presurance Holdings, Inc. (PRHI) had $281.7M in total assets as of fiscal year 2024, including both current and long-term assets.
What is Presurance Holdings, Inc.'s debt-to-equity ratio?
Presurance Holdings, Inc. (PRHI) had a debt-to-equity ratio of 0.55 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Presurance Holdings, Inc.'s return on assets (ROA)?
Presurance Holdings, Inc. (PRHI) had a return on assets of 8.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Presurance Holdings, Inc.'s cash runway?
Based on fiscal year 2024 data, Presurance Holdings, Inc. (PRHI) had $27.7M in cash against an annual operating cash burn of $32.7M. This gives an estimated cash runway of approximately 10 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Presurance Holdings, Inc.'s Piotroski F-Score?
Presurance Holdings, Inc. (PRHI) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Presurance Holdings, Inc.'s earnings high quality?
Presurance Holdings, Inc. (PRHI) has an earnings quality ratio of -1.34x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Presurance Holdings, Inc. cover its interest payments?
Presurance Holdings, Inc. (PRHI) has an interest coverage ratio of -7.6x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Presurance Holdings, Inc.?
Presurance Holdings, Inc. (PRHI) scores 48 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.