Presurance Holdings, Inc. (PRHI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PRHI SEC filings page.
Presurance Holdings, Inc. (PRHI) reported $32.0M in revenue over the twelve months to Jun 30, 2026, down 49.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 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).
The business has shrunk while consuming cash, leaving a thinner equity cushion and a more demanding financing structure.
FY2024’s reported net income of$24M coexisted with operating cash flow of-$33M , so accounting profit did not translate into operating cash. In FY2025, net income swung to a loss of$18M while the operating margin reached-59.8% , making the prior year look like an earnings interruption rather than an operating recovery.
Revenue fell from
FY2025 liabilities of
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Presurance Holdings, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Presurance Holdings, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Presurance Holdings, Inc. reported revenue of $43.3M in fiscal year 2025, against $67.3M in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Presurance Holdings, Inc. scores 2/100 among other insurers.
Presurance Holdings, Inc. funded 3.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $9.0M of equity against $239.3M of assets. Capital ranks insurers on that cushion, and Presurance Holdings, Inc. scores 9/100 among other insurers.
Not available for Presurance Holdings, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Presurance Holdings, Inc. scores 16/100 on it among other insurers.
Presurance Holdings, Inc. reported a net loss of $18.4M in fiscal year 2025, against $24.3M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Presurance Holdings, Inc. scores 12/100 among other insurers.
Presurance Holdings, Inc. passes 0 of 7 computable financial strength tests (2 of the nine could not be computed from available data). No profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) does not pass.
Presurance Holdings, Inc. reported an operating loss of $25.9M against $3.2M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
Presurance Holdings, Inc. generated $9.1M in revenue in Q2 2026. This represents a decrease of 43.3% from the same quarter a year earlier. Against the prior quarter it is down 20.8%.
Presurance Holdings, Inc. reported $2.5M in net income in Q2 2026. This represents an increase of 23.6% from the same quarter a year earlier. Against the prior quarter it is down 3.3%.
Not reported for Q2 2026.
Cash & Balance Sheet
Presurance Holdings, Inc. held $12.8M in cash against $12.3M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Presurance Holdings, Inc.'s operating margin was 22.7% in Q2 2026, reflecting core business profitability. This is up 35.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 31.9 percentage points.
Presurance Holdings, Inc.'s net profit margin was 27.7% in Q2 2026, showing the share of revenue converted to profit. This is up 15.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.0 percentage points.
Presurance Holdings, Inc.'s quarterly ROE was 9.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.3 percentage points.
Not reported for Q2 2026.
Capital Allocation
None of these metrics is reported for Q2 2026.
PRHI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $9.1M-43.3% | $11.5M-27.3% | $4.6M-68.7% | $6.7M-58.3% | $16.1M-9.9% | $15.9M-14.8% | $14.7M-5.5% | $16.0M-37.0% |
| Operating Income | $2.1Mn/m | -$1.1Mn/m | -$16.5Mn/m | -$2.9Mn/m | -$2.0Mn/m | -$4.4M-997.2% | -$26.1Mn/m | -$7.3Mn/m |
| Interest Expense | $677K-21.6% | $2.0M+265.2% | $906K+5.0% | $874K-61.6% | $864K-0.5% | $541K-38.3% | $863K+2.1% | $2.3M+166.1% |
| Income Tax | $0n/m | -$38Kn/m | $141K+1181.8% | $0n/m | $0n/m | $0n/m | $11K-89.4% | -$1.4Mn/m |
| Net Income | $2.5M+23.6% | $2.6M+402.3% | -$17.0Mn/m | -$4.0M-107.5% | $2.1Mn/m | $522K+605.4% | -$24.6Mn/m | $52.8Mn/m |
| EPS (Basic) | $0.68 | $0.15 | -$1.40n/m | -$0.32-107.4% | $1.17 | $0.04 | -$2.07n/m | $4.32n/m |
| EPS (Diluted) | $0.68 | $0.15 | -$1.40n/m | -$0.32-107.4% | $1.17 | $0.04 | -$2.07n/m | $4.32n/m |
| Diluted Shares (Avg) | 4M | 17M | N/A | 12M0.0% | 2M | 12M | N/A | 12M0.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, EBITDA.
PRHI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $222.5M-21.5% | $236.6M-14.6% | $239.3M-15.0% | $285.0M-5.0% | $283.3M-3.3% | $277.1M-8.0% | $281.7M-10.8% | $299.9M+2.2% |
| Cash & Equivalents | $12.8M-41.7% | $25.5M+147.7% | $27.4M-1.1% | $7.4M-77.1% | $22.0M+126.4% | $10.3M-40.6% | $27.7M+159.3% | $32.4M+125.5% |
| Short-Term Investments | $28.4M-22.0% | $32.5M-22.8% | $24.7M+16.9% | $54.9M+158.4% | $36.4M+55.9% | $42.1M+77.3% | $21.2M+1.5% | $21.3M-47.5% |
| Long-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Total Liabilities | $194.7M-23.7% | $211.4M-15.9% | $230.3M-11.5% | $259.7M+3.5% | $255.1M-13.3% | $251.5M-15.8% | $260.1M-16.8% | $250.8M-11.0% |
| Long-Term Debt | $12.3M+2.1% | $12.3M+2.1% | $12.2M+2.1% | $12.1M-26.4% | $12.1M-51.4% | $12.0M-51.9% | $11.9M-52.4% | $16.5M-34.8% |
| Total Equity | $27.7M-1.6% | $25.2M-1.5% | $9.0M-58.3% | $25.3M-48.4% | $28.2Mn/m | $25.6M+899.8% | $21.5M+645.1% | $49.1M+316.0% |
| Retained Earnings | -$76.4Mn/m | -$79.0Mn/m | -$81.6Mn/m | -$64.5Mn/m | -$60.6Mn/m | -$62.6Mn/m | -$63.2Mn/m | -$37.8Mn/m |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.
PRHI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$11.9Mn/m | -$8.3Mn/m | -$25.2Mn/m | -$681Kn/m | -$2.8Mn/m | -$15.3M-286.7% | -$20.0Mn/m | -$10.7M-1593.9% |
| Stock-Based Compensation | N/A | $13K-13.3% | N/A | N/A | N/A | $15K-53.1% | N/A | N/A |
| Investing Cash Flow | -$781K-105.4% | $168Kn/m | N/A | -$13.9M-128.2% | $14.4M+394.8% | -$9.6Mn/m | N/A | $49.2M+1200.8% |
| Financing Cash Flow | -$10Kn/m | $6.2M-16.7% | $8.0Mn/m | $0n/m | $0n/m | $7.5Mn/m | -$4.5M-179.5% | -$15.8Mn/m |
| Dividends Paid | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0-100.0% | $0 | $0 |
Not reported in any period shown, so not listed: Depreciation & Amortization, Capital Expenditures, Free Cash Flow, Share Buybacks.
PRHI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 22.7%+35.1pp | -9.2%+18.7pp | -358.4% | -43.6%+2.1pp | -12.4%+11.9pp | -27.9%-30.6pp | -177.1% | -45.8%-24.9pp |
| Net Margin | 27.7%+15.0pp | 22.7%+19.4pp | -369.2% | -59.4% | 12.7%+34.8pp | 3.3%+2.9pp | -166.8% | 329.6% |
| Return on Equity | 9.1%+1.9pp | 10.4%+8.4pp | -190.1%-75.9pp | -15.7%-123.3pp | 7.3% | 2.0%-0.8pp | -114.1%+560.1pp | 107.6%+130.6pp |
| Return on Assets | 1.1%+0.4pp | 1.1%+0.9pp | -7.1%+1.6pp | -1.4%-19.0pp | 0.7%+2.1pp | 0.2%+0.2pp | -8.7%-2.6pp | 17.6%+18.5pp |
| Debt-to-Equity | 0.440.0x | 0.490.0x | 1.36+0.8x | 0.48+0.1x | 0.43 | 0.47-9.3x | 0.55-8.1x | 0.34-1.8x |
| Liabilities-to-Equity | 7.02-2.0x | 8.39-1.4x | 25.69+13.6x | 10.26+5.2x | 9.04 | 9.83-106.8x | 12.09-96.2x | 5.11-18.8x |
| Asset Turnover | 0.040.0x | 0.050.0x | 0.020.0x | 0.020.0x | 0.060.0x | 0.060.0x | 0.050.0x | 0.050.0x |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio, FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin.
Where Presurance Holdings, Inc. Ranks
Frequently Asked Questions
What is Presurance Holdings, Inc.'s annual revenue?
Presurance Holdings, Inc. (PRHI) reported $43.3M in total revenue for fiscal year 2025. This represents a -35.6% 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 35.6% year-over-year, from $67.3M to $43.3M in fiscal year 2025.
Is Presurance Holdings, Inc. profitable?
No, Presurance Holdings, Inc. (PRHI) reported a net loss of $15.9M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net loss of $18.4M, with a net profit margin of -42.6%.
How much debt does Presurance Holdings, Inc. have?
As of fiscal year 2025, Presurance Holdings, Inc. (PRHI) had $27.4M in cash and equivalents against $12.2M in long-term debt.
What is Presurance Holdings, Inc.'s operating margin?
Presurance Holdings, Inc. (PRHI) had an operating margin of -59.8% in fiscal year 2025, 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 -42.6% in fiscal year 2025, 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 -205.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Presurance Holdings, Inc.'s operating cash flow?
Presurance Holdings, Inc. (PRHI) recorded an outflow of $43.9M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Presurance Holdings, Inc.'s total assets?
Presurance Holdings, Inc. (PRHI) had $239.3M in total assets as of fiscal year 2025, 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 1.36 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
What is Presurance Holdings, Inc.'s liabilities-to-equity ratio?
Presurance Holdings, Inc. (PRHI) had a liabilities-to-equity ratio of 25.69 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
What is Presurance Holdings, Inc.'s return on assets (ROA)?
Presurance Holdings, Inc. (PRHI) had a return on assets of -7.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Presurance Holdings, Inc.'s P/E ratio?
Presurance Holdings, Inc. (PRHI) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $27.3M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Presurance Holdings, Inc.'s price-to-sales ratio?
Presurance Holdings, Inc. (PRHI) trades at 0.9x sales, its market capitalization divided by $32.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $27.3M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Presurance Holdings, Inc.'s Piotroski F-Score?
Presurance Holdings, Inc. (PRHI) has a Piotroski F-Score of 0 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Can Presurance Holdings, Inc. cover its interest payments?
Presurance Holdings, Inc. (PRHI) reported an operating loss of $25.9M against $3.2M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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 10 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is the average of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Presurance Holdings, Inc. it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.