Presurance Holdings

PRHI

Insurance - Property & Casualty · Financial Services

Price

$7.55

+1.10 (+17.05%)

Market Cap

$14.5M

Exchange

NASDAQ Global Market

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Sep 4, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Mixed

Cash Flow

Weak

Stability

Mixed

Valuation

Data not available

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Share count rising — dilution

+26.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 1.4M (2021) → 1.7M (2025)

Winston Score History

The full picture

Presurance Holdings is a small property and casualty insurance company. It provides insurance policies that help protect people and businesses against losses from things like property damage, liability claims, and other risks. The company operates primarily in the United States and targets niche or underserved segments of the insurance market.

Presurance makes money by collecting premiums from policyholders and investing that premium float to earn returns. It is a micro-cap company with very limited scale compared to major insurers. Its financial profile shows negative margins, meaning it currently spends more than it earns — a sign the business is still working to reach profitability. The key challenge ahead is whether Presurance can grow its premium base and improve its underwriting results enough to become sustainably profitable in a highly competitive insurance industry.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-15.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-42.9% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

72.0%ownership

Insiders own a meaningful stake in the company

Cash Runway

~3 years

$128M cash & investments

$128M cash & investments at current burn rate

Revenue declining

Presurance Holdings's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

81.7%

Premium pricing power — 81.7% gross margin

Profit after running costs

Operating Margin

27.7%

Excellent — 27.7% operating margin

Return on the money invested

ROCE

-32.8%

Weak — -32.8% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales growth

Sales YoY

-40.6%

Shrinking sales (-40.6% YoY)

Profit growth

EPS YoY

-159.9%

Earnings shrinking (-159.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

-149.1%

Burning cash (-149.1%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

0.73

Moderate — manageable debt (0.73)

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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