PRHI
Neutral signalScored 2026-10-20 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Presurance Holdings, Inc.
- Nom
- Presurance Holdings, Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NASDAQ
- Capitalisation
- $26.4M
- Employés
- 12
- PDG
- Brian Joseph Roney
- Site web
- https://ir.prehld.com
- Marché
- AUREBLZRWCARVCOHNLMFALOKV
Presurance Holdings, Inc. is an insurance holding company that specializes in underwriting and providing niche property and casualty insurance solutions. These offerings encompass residential coverage like homeowners and dwelling fire policies, as well as liability protection, catering to the needs of both private individuals and small to mid-sized commercial enterprises.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 7 250 titres (~48 935,33 $ US) VENTE TOTALE: 2 478 titres (~16 138,47 $ US)
- Insiders
- O''''Hanlon IsoldeLamothe Timothy
- Total bought
-
$48,935
Avg buy (VWAP, 90d window) $6.71 vs last close $6.97 (+3.9%)
- Total sold
-
$16,138
Avg sell (VWAP, 90d window) $6.51 vs last close $6.97 (+7.0%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-30
- Liquidity
- Illiquid $207,548/day · 20d vol
- Last synced
-
2026-10-26 21:10:52
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-30 | MELOCHE HAROLD J | Buy · P | 4,100 | $6.38 | $26,138 | Form 4 |
| 2026-09-30 | O'Hanlon Isolde | Buy · P | 7,250 | $6.75 | $48,935 | Form 4 |
| 2026-09-30 | RONEY BRIAN J | Buy · P | 7,500 | $6.75 | $50,623 | Form 4 |
| 2026-09-30 | SARAFA JOSEPH D | Buy · P | 11,000 | $6.75 | $74,247 | Form 4 |
| 2026-09-30 | Smith James Grant | Buy · P | 7,250 | $6.75 | $48,935 | Form 4 |
| 2026-08-27 | Lamothe Timothy | Sell · S | 2,478 | $6.51 | $16,138 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-20 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
PRHI presents a critically distressed financial profile — with a current ratio of 0.17, negative working capital, persistent operating losses, and a debt-to-equity of 2.96 — that overwhelms the modest insider cluster…
The first sentence of the analysis written for PRHI on 2026-10-20 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Supports a bullish reading. Interesting trend — weekly bias up
- Financial indicators Pulls against a bullish reading. Current ratio 0.17 · operating margin -50%
Suggested stop 6.23, nearest stored support minus 0.5 ATR(10.7% under the last close). Reward/risk to the next stored resistance is 2.68. Research, not advice. Not an order.
Recent news
- 2026-10-02 Presurance (NASDAQ:PRHI) CFO Harold Meloche Buys 4,100 Shares of Stock Presurance Holdings, Inc. (NASDAQ: PRHI - Get Free Report) CFO Harold Meloche bought 4,100 shares of Presurance stock in a transaction dated Wednesday, September 30th. The shares were acquired at an average cost of $6.38 per share, for a total transaction of $26,158.00. Following the completion of the purchase, the chief financial officer directly owned 14,468
- 2026-09-07 AMERISAFE (NASDAQ:AMSF) & Presurance (NASDAQ:PRHI) Head-To-Head Comparison AMERISAFE (NASDAQ: AMSF - Get Free Report) and Presurance (NASDAQ: PRHI - Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, risk, analyst recommendations, valuation, dividends and profitability. Risk and Volatility AMERISAFE has a beta of 0.23,
- 2026-08-12 Presurance Holdings Reports 2026 Second Quarter Financial Results TROY, Mich., Aug. 12, 2026 (GLOBE NEWSWIRE) -- Presurance Holdings, Inc. (Nasdaq: PRHI) (“Presurance” or the “Company”) today announced results for the second quarter and six months ended June 30, 2026.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | -27.1% | -30.7% | -9.2% | -7.4% | 15.2% | |
| Ebit Margin | -40.9% | -47.1% | -27.1% | -17.3% | 1.0% | |
| Ebitda Margin | -40.2% | -44.5% | -26.5% | -16.9% | 1.3% | |
| Operating Profit Margin | -49.5% | -54.4% | -30.7% | -20.2% | -1.5% | |
| Pretax Profit Margin | -49.5% | -54.4% | -30.7% | -19.8% | -0.8% | |
| Continuous Operations Profit Margin | -49.9% | -51.6% | -30.3% | -10.5% | -0.9% | |
| Net Profit Margin | -49.9% | 36.7% | -28.8% | -10.5% | -0.9% | |
| Bottom Line Profit Margin | -49.9% | 35.5% | -28.8% | -10.5% | -0.9% | |
| Current Ratio | 0.165 | 0.000 | 0.984 | 0.000 | 0.000 | |
| Quick Ratio | 0.165 | 0.000 | 0.984 | 0.000 | 0.000 | |
| Solvency Ratio | -0.079 | 0.100 | -0.082 | -0.035 | -0.003 | |
| Cash Ratio | 0.138 | 0.000 | 0.121 | 0.000 | 0.000 | |
| Price To Earnings Ratio | -0.472 | 0.606 | -0.519 | -1.570 | -21.091 | |
| Price To Earnings Growth Ratio | 0.003 | -0.003 | -0.005 | -0.002 | 0.076 | |
| Forward Price To Earnings Growth Ratio | 0.003 | -0.003 | -0.005 | -0.002 | 0.076 | |
| Price To Earnings Diluted Ratio | -0.472 | 0.606 | -0.519 | -1.570 | -21.091 | |
| Price To Earnings Diluted Growth Ratio | 0.003 | -0.003 | -0.005 | -0.002 | 0.076 | |
| Price To Book Ratio | 0.972 | 0.664 | 4.653 | 0.886 | 0.555 | |
| Price To Sales Ratio | 0.236 | 0.216 | 0.149 | 0.165 | 0.194 | |
| Price To Free Cash Flow Ratio | -0.199 | -0.438 | -1.004 | -0.415 | 4.199 | |
| Price To Operating Cash Flow Ratio | -0.199 | -0.438 | -1.004 | -0.415 | 4.199 | |
| Debt To Assets Ratio | 0.111 | 0.042 | 0.080 | 0.108 | 0.116 | |
| Debt To Equity Ratio | 2.963 | 0.554 | 8.675 | 1.788 | 0.829 | |
| Debt To Capital Ratio | 0.748 | 0.357 | 0.897 | 0.641 | 0.453 | |
| Long Term Debt To Capital Ratio | 0.748 | 0.357 | 0.897 | 0.641 | 0.453 | |
| Financial Leverage Ratio | 26.688 | 13.085 | 107.928 | 16.483 | 7.170 | |
| Working Capital Turnover Ratio | -0.446 | -90.446 | -122.742 | 0.000 | 0.000 | |
| Operating Cash Flow Ratio | -0.221 | 0.000 | -0.146 | 0.000 | 0.000 | |
| Operating Cash Flow Sales Ratio | -1.188 | -0.493 | -0.149 | -0.399 | 0.046 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | -4.709 | -5.670 | -7.339 | -2.579 | 0.476 | |
| Interest Coverage Ratio | -5.745 | -7.389 | -8.619 | -6.897 | -0.600 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | -1.652 | -2.739 | -0.534 | -1.195 | 0.160 | |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Dividend Paid And Capex Coverage Ratio | 0.000 | -74.440 | 0.000 | 0.000 | 0.000 | |
| Dividend Payout Ratio | 0.000 | 0.018 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | -0.533 | 0.048 | -1.146 | -1.323 | 29.480 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | -27.1% | ▲3.6% | ▼-15.2% |
| Ebit Margin | -40.9% | ▲6.2% | ▼-14.6% |
| Ebitda Margin | -40.2% | ▲4.3% | ▼-14.9% |
| Operating Profit Margin | -49.5% | ▲4.9% | ▼-18.3% |
| Pretax Profit Margin | -49.5% | ▲4.9% | ▼-18.5% |
| Continuous Operations Profit Margin | -49.9% | ▲1.7% | ▼-21.2% |
| Net Profit Margin | -49.9% | ▼-86.6% | ▼-39.2% |
| Bottom Line Profit Margin | -49.9% | ▼-85.4% | ▼-39.0% |
| Current Ratio | 0.166 | ▲0.166 | ▼-0.064 |
| Quick Ratio | 0.166 | ▲0.166 | ▼-0.064 |
| Solvency Ratio | -0.079 | ▼-0.179 | ▼-0.059 |
| Cash Ratio | 0.138 | ▲0.138 | ▲0.086 |
| Price To Earnings Ratio | -0.472 | ▼-1.078 | ▲4.137 |
| Price To Earnings Growth Ratio | 0.003 | ▲0.006 | ▼-0.011 |
| Forward Price To Earnings Growth Ratio | 0.003 | ▲0.006 | ▼-0.011 |
| Price To Earnings Diluted Ratio | -0.472 | ▼-1.078 | ▲4.137 |
| Price To Earnings Diluted Growth Ratio | 0.003 | ▲0.006 | ▼-0.011 |
| Price To Book Ratio | 0.972 | ▲0.307 | ▼-0.574 |
| Price To Sales Ratio | 0.236 | ▲0.020 | ▲0.044 |
| Price To Free Cash Flow Ratio | -0.199 | ▲0.239 | ▼-0.627 |
| Price To Operating Cash Flow Ratio | -0.199 | ▲0.239 | ▼-0.627 |
| Debt To Assets Ratio | 0.111 | ▲0.069 | ▲0.019 |
| Debt To Equity Ratio | 2.963 | ▲2.409 | ▲0.001 |
| Debt To Capital Ratio | 0.748 | ▲0.391 | ▲0.129 |
| Long Term Debt To Capital Ratio | 0.748 | ▲0.391 | ▲0.129 |
| Financial Leverage Ratio | 26.688 | ▲13.603 | ▼-7.583 |
| Working Capital Turnover Ratio | -0.446 | ▲90.001 | ▲42.281 |
| Operating Cash Flow Ratio | -0.221 | ▼-0.221 | ▼-0.147 |
| Operating Cash Flow Sales Ratio | -1.188 | ▼-0.695 | ▼-0.751 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | 0.000 |
| Debt Service Coverage Ratio | -4.709 | ▲0.961 | ▼-0.745 |
| Interest Coverage Ratio | -5.745 | ▲1.644 | ▲0.105 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | -1.652 | ▲1.087 | ▼-0.460 |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Dividend Paid And Capex Coverage Ratio | 0.000 | ▲74.440 | ▲14.888 |
| Dividend Payout Ratio | 0.000 | ▼-0.018 | ▼-0.004 |
| Enterprise Value Multiple | -0.533 | ▼-0.581 | ▼-5.838 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $8.7M | $14.3M | $13.4M | $16.8M | $22.5M | |
| Enterprise value | $7.9M | -$1.4M | $27.4M | $22.6M | $46.1M | |
| EV / Sales | 0.21x | -0.02x | 0.30x | 0.22x | 0.40x | |
| EV / Op. cash flow | -0.18x | 0.04x | -2.04x | -0.56x | 8.62x | |
| EV / Free cash flow | -0.18x | 0.04x | -2.04x | -0.56x | 8.62x | |
| EV / EBITDA | -0.53x | 0.05x | -1.15x | -1.32x | 29.48x | |
| Net debt / EBITDA | 0.05x | 0.53x | -0.58x | -0.34x | 15.11x | |
| Current ratio | 0.17x | 0.00x | 0.98x | 0.00x | 0.00x | |
| Income quality | 2.38x | 0.95x | 0.52x | 3.79x | -4.89x | |
| Graham number | — | $62 | — | — | — | |
| Graham net-net | -$49 | -$14 | -$76 | -$29 | -$11 | |
| Tax burden | 100.8% | -67.5% | 93.7% | 53.1% | 123.5% | |
| Interest burden | 121.1% | 115.7% | 113.1% | 114.9% | -77.6% | |
| Working capital | -$165.8M | $0 | -$1.5M | $0 | $0 | |
| Invested capital | -$163.1M | $0 | -$1.5M | $0 | $0 | |
| Return on assets | -7.7% | 8.6% | -8.3% | -3.4% | -0.4% | |
| Operating ROA | -7.0% | -12.2% | -8.9% | -6.8% | -0.6% | |
| Return on tangible assets | -7.8% | 8.6% | -8.3% | -3.4% | -0.4% | |
| Return on equity | -205.6% | 113.1% | -896.6% | -56.4% | -2.7% | |
| Return on invested capital | 11.0% | 0.0% | -19.0% | 0.0% | 0.0% | |
| Return on capital employed | -45.1% | -12.8% | -12.6% | -6.6% | -0.6% | |
| Earnings yield | -211.6% | 170.2% | -192.7% | -63.6% | -4.9% | |
| Free cash flow yield | -503.6% | -228.5% | -99.6% | -241.1% | 23.8% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 18.5% | 14.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | |
| Intangibles / Total assets | 1.1% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 55d | 602d | 119d | 404d | 216d | |
| Days payables outstanding | 19d | 0d | 21d | 21d | 20d | |
| Operating cycle | 55d | 602d | 119d | 404d | 216d | |
| Cash conversion cycle | 35d | 602d | 98d | 384d | 196d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years