Positive Physicians Holdings (PPHI) Fair Value & Analysis
Financial Services · US · Market cap $27.1M
Positive Physicians Holdings
PPHI · US
Fair value as of: Jul 27, 2026
From 7 valuation models · updated 15 days ago
Share price −11.8% over the past month.
Below-average quality, screening 65% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case ($9.83). The market is more pessimistic than our downside scenario.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range $1.59 – $9.51 · fair‑value band $9.83 – $14.98 · the $7.50 price screens below the $12.41 fair value. Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Positive Physicians Holdings (PPHI) currently trades at $7.50, while our model-based Fair Value estimate is $12.41, implying the stock looks roughly 65.5% undervalued today. The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.
Over the trailing twelve months, Positive Physicians Holdings generated revenue of $22.3M at a net margin of -11.3%. Revenue declined 0.9% year over year. It earns a return on equity of -3.5%. The balance sheet holds a net cash position of $13.8M. Fundamentals as of Jul 27, 2026
Our scenario range runs from $9.83 (bear case) to $14.98 (bull case); at $7.50, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 12% below its 52-week high and 15% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at 65%, PPHI screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 7 models by family
Widest divergence: DCF Models ($13.10) versus Multiples ($12.59). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 63
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Positive Physicians Holdings, Inc., through its subsidiary, provides insurance products in the United States. The company offers medical professional liability protection, including claims-made coverage, occurrence coverage, and customized rating structures; and risk management services. It serves physicians, physician groups, and healthcare professionals.
Full company description
Positive Physicians Holdings, Inc., through its subsidiary, provides insurance products in the United States. The company offers medical professional liability protection, including claims-made coverage, occurrence coverage, and customized rating structures; and risk management services. It serves physicians, physician groups, and healthcare professionals. The company was founded in 2002 and is based in Bala Cynwyd, Pennsylvania. Positive Physicians Holdings, Inc. operates as a subsidiary of Insurance Capital Group, LLC.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2017 – FY2021 · reported fiscal years
Positive Physicians Holdings reported revenue of $22.3M in FY2021 versus $13.2M in FY2017, a compound +14.0%/yr. Reported net income was −$2.5M in FY2021.
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Peer Group
Insurance - Specialty · 32 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $49.53 | $29.08 | -41% |
| AXIS Capital Holdings AXS | $114.62 | $177.90 | +55% |
| First American Financial Corporation FAF | $70.06 | $79.33 | +13% |
| Enact Holdings ACT | $46.52 | $62.79 | +35% |
| MGIC Investment Corporation MTG | $29.47 | $45.39 | +54% |
| Essent Group ESNT | $66.71 | $97.33 | +46% |
| Radian Group RDN | $39.14 | $56.98 | +46% |
| Protector Forsikring ASA PROT | kr 485.80 | kr 418.04 | -14% |
| Assured Guaranty Ltd AGO | $82.49 | $147.67 | +79% |
| NMI Holdings NMIH | $41.16 | $66.55 | +62% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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