A Business at a Glance
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Presurance Holdings, Inc.
PRHI
$132M
Mkt Cap
$5.43
+1.40%
Presurance Holdings, Inc. (PRHI) has a current P/E ratio of 2.8, compared to its historical median P/E of 21.2. The stock is currently considered Fair based on its historical valuation range.
Presurance Holdings, Inc. (PRHI) has a 5-year average return on invested capital (ROIC) of -14.7%. This is below average and may indicate limited pricing power.
Presurance Holdings, Inc. (PRHI) has a market capitalization of $132M. It is classified as a small-cap stock.
Presurance Holdings, Inc. (PRHI) does not currently pay a regular dividend.
Based on historical P/E analysis, Presurance Holdings, Inc. (PRHI) appears fair. The current P/E of 2.8 is 87% below its historical median of 21.2. The estimated fair value CAGR (P/E method) is 60.5%.
Presurance Holdings, Inc. (PRHI) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
Presurance Holdings, Inc. (PRHI) reported annual revenue of $43 million in its most recent fiscal year, based on SEC EDGAR filings.
Legal Organization Conifer Holdings, Inc. (Nasdaq: CNFR) is a Michigan‑domiciled insurance holding company formed in 2009. Our principal executive offices are located at 3001 West Big Beaver Road, Suite 200, Troy, MI 48084 (telephone number: (248) 559-0840). Our corporate website address is www.cnfrh.com. As used in this Form 10-K, references to “Conifer,” “Conifer Holdings,” “the Company,” “our Company,” “we,” “us,” and “our” refer to Conifer Holdings, Inc., a Michigan corporation, and its wholly owned subsidiaries Conifer Insurance Company (“CIC”), White Pine Insurance Company ("WPIC"), Red Cedar Insurance Company (“RCIC”), Conifer Insurance Services ("CIS"), until August 30, 2024, and as of October 13, 2022, VSRM, Inc. ("VSRM"). CIC, WPIC and RCIC are collectively referred to as the "Insurance Company Subsidiaries." On a stand-alone basis Conifer Holdings, Inc. is referred to as the "Parent Company.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 43M | 43M | 67M | 91M | 105M | 116M |
| Net Income | -18M | -18M | 24M | -26M | -11M | -1.1M |
| EPS | $-0.76 | $-0.76 | $0.97 | $-1.06 | $-0.50 | $-0.06 |
| Free Cash Flow | -44M | -44M | -33M | -13M | -40M | 5.4M |
| ROIC | -8.5% | -67.5% | 76.6% | -64.2% | -16.8% | -1.4% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 1.36 | 1.36 | 0.55 | 8.67 | 1.79 | 0.83 |
| Dividends/Share | $0.00 | $0.00 | $0.02 | $0.00 | - | - |
| Operating Income | -26M | -26M | -37M | -30M | -28M | -13M |
| Operating Margin | -59.8% | -59.8% | -55.4% | -33.7% | -27.0% | -11.5% |
| ROE | -205.6% | -120.9% | 192.8% | -237.4% | -35.9% | -2.6% |
| Shares Outstanding | 24M | 24M | 24M | 24M | 21M | 20M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 61M | 71M | 94M | 97M | 99M | 96M | 103M | 116M | 105M | 91M | 67M | 43M | 43M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | -7.2M | 83K | -11M | -24M | -10M | -11M | -9.1M | -13M | -28M | -30M | -37M | -26M | -26M |
| Op. Margin | -11.8% | 0.1% | -11.9% | -25.0% | -10.5% | -11.5% | -8.8% | -11.5% | -27.0% | -33.7% | -55.4% | -59.8% | -59.8% |
| Net Income | -7.2M | -476K | -8.4M | -22M | -9.2M | -7.8M | 595K | -1.1M | -11M | -26M | 24M | -18M | -18M |
| Net Margin | -11.8% | -0.7% | -9.0% | -22.2% | -9.3% | -8.1% | 0.6% | -0.9% | -10.2% | -28.6% | 35.0% | -42.6% | -42.6% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.9M | 0 | 2.3M | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | -15.5% | -0.6% | -9.6% | -25.7% | -11.7% | -10.1% | 0.7% | -1.4% | -16.8% | -64.2% | 76.6% | -67.5% | -8.5% |
| ROE | -22.0% | -0.8% | -11.6% | -35.7% | -19.4% | -18.4% | 1.4% | -2.6% | -35.9% | -237.4% | 192.8% | -120.9% | -205.6% |
| ROA | -8.8% | -0.3% | -4.4% | -9.7% | -3.9% | -3.3% | 0.2% | -0.4% | -3.5% | -8.3% | 7.9% | -7.1% | -7.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 6.3M | -3.1M | 6.2M | 9.1M | -17M | 15M | 3.0M | 5.4M | -40M | -13M | -33M | -44M | -44M |
| Free Cash Flow | 5.9M | -3.3M | 6.0M | 9.1M | -17M | 15M | 2.9M | 5.4M | -40M | -13M | -33M | -44M | -44M |
| Owner Earnings | 6.3M | -3.8M | 4.9M | 7.8M | -18M | 14M | 2.3M | 5.1M | -41M | -14M | -33M | -44M | -44M |
| CapEx | 444K | 167K | 195K | 13K | 86K | 61K | 78K | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 0 | 398K | 401K | 372K | 386K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | 0 | 0 | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 0 | 398K | 401K | 372K | 386K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | N/A | N/A | 3.2% | 0.1% | N/A | 0.4% | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 191K | 384K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 439K | 0 | 0 |
| Dividend Yield | N/A | 0.4% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.7% | N/A | N/A |
| Share Buybacks | 0 | 0 | 625K | 0 | 636K | 676K | 36K | 12K | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | 1.1% | N/A | 2.4% | 1.8% | 0.1% | 0.1% | 0.1% | 0.0% | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 0 | 303K | 856K | 895K | 970K | 959K | 706K | 218K | 211K | 190K | 78K | 56K | 56K |
| Debt Repayment | 4.1M | 19M | 2.0M | 20M | 20M | 100K | 625K | 8.0M | 2.9M | 14M | 14M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -7.7M | -6.3M | -5.5M | 5.7M | 14M | -3.1M | 19M | 638K | -20M | -6.4M | -37M | -40M | -15M |
| Cash & Equiv. | 18M | 13M | 12M | 12M | 11M | 7.5M | 8.2M | 9.9M | 28M | 11M | 28M | 27M | 27M |
| Long-Term Debt | 28M | 13M | 18M | 29M | 34M | 36M | 41M | 34M | 34M | 25M | 12M | 12M | 12M |
| Debt/Equity | 0.62 | 0.17 | 0.26 | 0.55 | 0.79 | 0.84 | 0.92 | 0.83 | 1.79 | 8.67 | 0.55 | 1.36 | 1.36 |
| Interest Coverage | -12.4 | 0.1 | -17.2 | -17.8 | -3.9 | -3.8 | -3.1 | -4.7 | -9.5 | -9.5 | -7.6 | -8.1 | -8.1 |
| Equity | 44M | 77M | 68M | 53M | 42M | 43M | 44M | 41M | 19M | 2.9M | 22M | 9.0M | 9.0M |
| Total Assets | 164M | 178M | 204M | 239M | 233M | 247M | 262M | 290M | 312M | 316M | 282M | 239M | 239M |
| Total Liabilities | 113M | 101M | 136M | 186M | 191M | 205M | 217M | 250M | 293M | 313M | 260M | 230M | 230M |
| Intangibles | 306K | 307K | 163K | 107K | 112K | 115K | 115K | 115K | 115K | 115K | 115K | 0 | 0 |
| Retained Earnings | -3.1M | -3.0M | -11M | -33M | -42M | -50M | -49M | -50M | -61M | -87M | -63M | -82M | -82M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | 2.5M | 2.8M | 5.4M | 8.3M | 5.8M | 10.0M | 8.7M | 6.7M | 8.9M | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | -1.35 | -0.05 | -0.56 | -1.37 | -0.54 | -0.44 | 0.03 | -0.06 | -0.50 | -1.06 | 0.97 | -0.76 | -0.76 |
| Owner EPS | 1.18 | -0.36 | 0.32 | 0.50 | -1.07 | 0.81 | 0.11 | 0.26 | -1.90 | -0.56 | -1.34 | -1.80 | -1.80 |
| Book Value | 8.25 | 7.30 | 4.46 | 3.36 | 2.47 | 2.40 | 2.24 | 2.04 | 0.89 | 0.12 | 0.88 | 0.37 | 0.37 |
| Cash Flow/Share | 1.18 | -0.30 | 0.41 | 0.58 | -1.00 | 0.86 | 0.15 | 0.27 | -1.89 | -0.55 | -1.34 | -1.80 | -0.76 |
| Dividends/Share | 0.04 | 0.04 | 0.00 | 0.00 | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.02 | 0.00 | 0.00 |
| Shares Out. | 5.4M | 10.6M | 15.2M | 15.7M | 17.1M | 17.8M | 19.8M | 19.9M | 21.4M | 24.5M | 24.4M | 24.4M | 24.4M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | 41.8 | N/A | N/A | N/A | 0.6 | N/A | -7.2 |
| P/FCF | N/A | N/A | 18.6 | 10.0 | N/A | 4.8 | 17.1 | 8.1 | N/A | N/A | N/A | N/A | N/A |
| EV/EBIT | N/A | 177.3 | N/A | N/A | N/A | N/A | 12.6 | 11.3 | N/A | N/A | -0.9 | N/A | N/A |
| Price/Book | N/A | 0.6 | 0.8 | 0.9 | 0.6 | 0.9 | 0.6 | 0.5 | 0.9 | 4.6 | 0.6 | N/A | 14.8 |
| Price/Sales | N/A | 0.7 | 0.6 | 0.6 | 0.5 | 0.4 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | N/A | 3.1 |
| FCF Yield | N/A | -6.9% | 10.7% | 19.9% | -65.4% | 41.8% | 11.7% | 24.8% | -249.3% | -101.4% | -239.3% | N/A | -33.1% |
| Market Cap | N/A | 48M | 56M | 46M | 26M | 37M | 25M | 22M | 16M | 13M | 14M | 0 | 132M |
| Avg. Price | N/A | 9.70 | 7.34 | 6.89 | 5.84 | 4.03 | 2.96 | 3.04 | 1.89 | 1.46 | 1.06 | 0.00 | 5.43 |
| Year-End Price | N/A | 9.02 | 7.32 | 5.80 | 3.06 | 4.12 | 2.51 | 2.17 | 1.52 | 1.08 | 1.12 | 0.00 | 5.43 |
Presurance Holdings, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
Presurance Holdings, Inc. trades at 2.8x trailing earnings, compared to its 15-year median P/E of 21.2x, suggesting it is currently Fair relative to its historical range. At current prices, the estimated annualized return to fair value is -10.2%.
Presurance Holdings, Inc. (PRHI) has a net profit margin of -42.6%. The company is currently unprofitable.
Presurance Holdings, Inc. (PRHI) generated $-44 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Presurance Holdings, Inc. (PRHI) has a debt-to-equity ratio of 1.36. This indicates moderate leverage.
Presurance Holdings, Inc. (PRHI) reported earnings per share (EPS) of $-0.76 in its most recent fiscal year.
Presurance Holdings, Inc. (PRHI) has a return on equity (ROE) of -120.9%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 13 years of financial data for Presurance Holdings, Inc. (PRHI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Presurance Holdings, Inc. (PRHI) has a book value per share of $0.37, based on its most recent annual SEC filing.