Company Analysis

Presurance Holdings, Inc. (PRHI)

Nasdaq: PRHI · Fire, Marine & Casualty Insurance · Troy, MI · filing with the SEC since 2010
Grade2.1
◀ Past 1.8● Present 1.9▶ Future 2.9
1 est.

The grade of Presurance Holdings, Inc.

Nine metrics read from its own filings, by tense
Headline grade
2.1/10
◀ Past1.840% of the headline
● Present1.935% of the headline
▶ Future2.925% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.8/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
0.9/10

Has it survived what it has been through?

6 warning events since 2017; the latest 2026-03-06.

weight 33% of this tense · 9th percentile among 60 sector filers · read for itself

From the record

Presurance Holdings, Inc.'s filings since 2017 show 6 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, 4 times, the latest 2026-03-06); an auditor change (8-K item 4.01, 2 times, the latest 2025-07-11) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
0.9/10

What has it actually done, year after year?

-8.2% a year over 10 filed years; profitable in 2 of 10.

weight 22% of this tense · 9th percentile among 56 sector filers · read for its customers

From the record

Presurance Holdings, Inc.'s 10 filed years say what it did: revenue went from $94 million in fiscal 2016 to $43 million in fiscal 2025, down 8.2% a year; it rose in 4 of 9 years; the deepest fall was 63% from fiscal 2021 to fiscal 2025; net income was positive in 2 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span-8.2%bottom 8% of its family
  • the share of years revenue rosebottom 8% of its family
  • the share of filed years with a profitbottom 5% of its family
  • the deepest fall from a revenue peak62.7%bottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate
3.0/10

How has it treated the people who own it?

SI estimate 3.0/10, confidence 35 of 100 (one part).

weight 45% of this tense · 29th percentile among 60 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the share count over the years, which ranks in the bottom 29% of 60 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
one part: the share count over the years, the one part on file, ranked among 60 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Presurance Holdings, Inc.'s shareholder treatment is put at 3.0 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 29% of 60 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

1.9/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
1.9/10

Is it financially healthy right now?

ROE -206%: lost 206¢ per shareholder dollar. Leverage 96%: owes 96¢ per asset dollar.

weight 45% of this tense · 19th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Presurance Holdings, Inc. lost about 206 cents for every dollar of shareholders' money. Leverage: it owed about 96 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 4% of its family
  • return on equitybottom 4% of its family
  • the share count against the year beforebottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
0.5/10

How strong is its position in its industry?

bottom 5% of 60 in its family; net margin -42.6%.

weight 33% of this tense · 5th percentile among 60 sector filers · read for its customers

From the record

Presurance Holdings, Inc.'s standing among 60 graded names in its industry family: revenue of $43 million in fiscal 2025 ranks in the bottom 6% by size; a net margin of -42.6% ranks in the bottom 6%; revenue growth of -25.5% a year over the last 3 filed years ranks in the bottom 3% (its annual reports).

What it rests on

  • revenue against the family$43.3Mbottom 6% of its family
  • net margin-42.6%bottom 6% of its family
  • three-year revenue growth-25.5%bottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.3/10

What are the people in charge doing?

bottom 43% of 47 in its family for leadership; chief executive since 2024.

weight 22% of this tense · 43rd percentile among 47 sector filers · read for its shareholders

From the record

Presurance Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Roney, Brian J (Chief Executive Officer, as filed), filing under that title since 2024-12-16, 1.9 years (bottom 22% of its family); the 8 officers and directors filing in the last fifteen months have been on the record a median of 8.9 years (top 28%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 8 people in charge now (bottom 34%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge4 in three years among 8 peoplebottom 34% of its family
  • the median years the people in charge have filed8.9 yearstop 28% of its family
  • the chief executive's years on the record1.9 yearsbottom 22% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

2.9/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
4.3/10

How much room does it have to grow?

bottom 43% of 60 in its family for room to expand.

weight 33% of this tense · 43rd percentile among 60 sector filers · read for itself

From the record

Presurance Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $27 million against debt of $12 million leaves 6.3% of its assets as net cash, top 19% of its family; cash from operations less capital spending is -101.3% of revenue (bottom 6%) (its annual report).

What it rests on

  • cash less debt against assets6.3%top 19% of its family
  • cash from operations less capital spending against revenue-101.3%bottom 6% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
3.6/10

What could actually drive growth from here?

bottom 36% of 56 in its family for growth drivers.

weight 33% of this tense · 36th percentile among 56 sector filers · read for its customers

From the record

Presurance Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -25.5% a year over the last three filed years against -8.2% over all 10, slowing (bottom 4% of its family); the newest year grew -35.6% (bottom 6%); capital spending grew 81.7% a year (top 4%) (its annual reports). Presurance Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-17.3 points a yearbottom 4% of its family
  • the newest year's revenue growth-35.6%bottom 6% of its family
  • three-year growth of capital spending81.7%top 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
0.7/10

Did its newest year beat what its own record pointed to?

bottom 7% of 56 in its family for expectations against reality.

weight 33% of this tense · 7th percentile among 56 sector filers · read for its shareholders

From the record

Presurance Holdings, Inc.'s newest year against its own record: revenue of $43 million in fiscal 2025 came in 19.6% below the $54 million its prior three years' pace pointed to (bottom 12% of its family); net income of $18 million against a prior three-year average of $4 million (bottom 4%); a net margin of -42.6% against -0.9% before (bottom 4%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-19.6%bottom 12% of its family
  • net income against the prior three years' average-352%bottom 4% of its family
  • net margin against its prior average-41.7 pointsbottom 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton PRHI · research, not advice