📊 PRHIZ Key Takeaways
Is Presurance Holdings, Inc. (PRHIZ) a Good Investment?
Presurance Holdings faces existential financial stress with collapsing revenue (-35.6% YoY), deep unprofitability (42.6% negative net margin), and deteriorating EPS (-178.2% YoY). The company burns cash operationally and carries high leverage (1.36x debt/equity) relative to a razor-thin equity base of $9.0M, creating bankruptcy risk within 12-18 months if operations don't stabilize.
Presurance Holdings, Inc. Key Strengths (PRHIZ)
- Maintains $27.4M cash balance providing 6-12 month operational runway
- Total asset base of $239.3M retains some liquidation value
- Recent insider Form 4 activity suggests management engagement with situation
PRHIZ Stock Risks: Presurance Holdings, Inc. Investment Risks
- Revenue declining 35.6% YoY indicating loss of market share in core insurance business
- Operating cash flow negative at -$2.0M annually with no clear path to profitability
- Stockholders' equity only $9.0M against $230.3M liabilities (96% liability-funded)
- Interest coverage ratio of -8.1x means operating income cannot service debt obligations
- EPS deterioration of -178.2% YoY suggests accelerating rather than stabilizing decline
- High leverage unsustainable absent rapid turnaround in profitability and cash generation
- Risk of covenant violations, credit facility drawdown restrictions, or forced restructuring
Key Metrics to Watch
- Quarterly revenue trends - stabilization critical
- Operating cash flow inflection to positive territory
- Net loss trajectory and path to operating profitability
- Cash position depletion rate given negative FCF
- Debt covenant compliance and credit facility status
- Equity erosion relative to liabilities
Presurance Holdings, Inc. (PRHIZ) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PRHIZ Profit Margin, ROE & Profitability Analysis
PRHIZ vs Finance Sector: How Presurance Holdings, Inc. Compares
How Presurance Holdings, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Presurance Holdings, Inc. Stock Overvalued? PRHIZ Valuation Analysis 2026
Based on fundamental analysis, Presurance Holdings, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Presurance Holdings, Inc. Balance Sheet: PRHIZ Debt, Cash & Liquidity
PRHIZ Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Presurance Holdings, Inc.'s revenue has declined by 42% over the 5-year period, indicating business contraction. The most recent EPS of $1.93 reflects profitable operations.
PRHIZ Revenue Growth, EPS Growth & YoY Performance
PRHIZ Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $11.5M | N/A | $0.04 |
| Q3 2025 | $6.7M | N/A | $-0.11 |
| Q2 2025 | $16.1M | N/A | $0.17 |
| Q1 2025 | $15.9M | N/A | $0.01 |
| Q3 2024 | $16.0M | -$2.7M | $-0.22 |
| Q2 2024 | $24.9M | -$3.7M | $-0.31 |
| Q1 2024 | $23.1M | $74.0K | $0.01 |
| Q3 2023 | $26.3M | N/A | $-0.14 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Presurance Holdings, Inc. Dividends, Buybacks & Capital Allocation
PRHIZ SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Presurance Holdings, Inc. (CIK: 0001502292)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PRHIZ
What is the AI rating for PRHIZ?
Presurance Holdings, Inc. (PRHIZ) has an AI grade of D with 95% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PRHIZ's key strengths?
Claude: Maintains $27.4M cash balance providing 6-12 month operational runway. Total asset base of $239.3M retains some liquidation value.
What are the risks of investing in PRHIZ?
Claude: Revenue declining 35.6% YoY indicating loss of market share in core insurance business. Operating cash flow negative at -$2.0M annually with no clear path to profitability.
What is PRHIZ's revenue and growth?
Presurance Holdings, Inc. reported revenue of $43.3M.
Does PRHIZ pay dividends?
Presurance Holdings, Inc. pays dividends, with $0.8M distributed to shareholders in the trailing twelve months.
Where can I find PRHIZ SEC filings?
Official SEC filings for Presurance Holdings, Inc. (CIK: 0001502292) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PRHIZ's EPS?
Presurance Holdings, Inc. has a diluted EPS of $-1.51.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PRHIZ's fundamental grade?
Based on our AI fundamental analysis in May 2026, Presurance Holdings, Inc. has a D grade with 95% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PRHIZ stock overvalued or undervalued?
Valuation metrics for PRHIZ: ROE of -205.6% (sector avg: 12%), net margin of -42.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PRHIZ's AI grade for 2026?
Our dual AI analysis gives Presurance Holdings, Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PRHIZ's free cash flow?
Presurance Holdings, Inc.'s operating cash flow is $-2.0M, with capital expenditures of $0.0. FCF margin is -4.5%.
How does PRHIZ compare to other Finance stocks?
Vs Finance sector averages: Net margin -42.6% (avg: 25%), ROE -205.6% (avg: 12%), current ratio N/A (avg: 1.2).