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Presurance Holdings, Inc. (PRHI) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Presurance Holdings, Inc. $1.14, price $6.86, upside -83.4%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Financial Services · US · ISIN US20731J1025

PH Presurance Holdings, Inc. logo Thin data Sep 24, 2026

Presurance Holdings, Inc.

PRHI · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $1.14 · Strongly overvalued (−83.4%)
!Quality 39/100
!Weak Growth (revenue 5y −18.6 %/yr)
!Loss-making · -50.0% net margin (TTM)
!Moderate debt · negative free cash flow
!Trails peers (1/10)
!Narrow moat 12/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$29.26 $3.21 Fair Value $1.14 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $3.21 – $29.26 · fair‑value band $0.8500 – $1.69 · the $6.86 price screens above the $1.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Presurance Holdings, Inc., an insurance holding company, provides specialty property, and casualty insurance in the United States. The company provides specialty insurance coverage for individuals, businesses, and communities.

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Presurance Holdings, Inc., an insurance holding company, provides specialty property, and casualty insurance in the United States. The company provides specialty insurance coverage for individuals, businesses, and communities. It offers both specialty commercial products, including commercial property, general liability, liquor liability and commercial automobile and specialty personal product lines. Additionally, it offers homeowners insurance and dwelling fire insurance products to individuals owners of lower value homes in Texas, Illinois and Indiana. The company was formerly known as Conifer Holdings, Inc. and changed its name to Presurance Holdings, Inc. in September 2025. The company was founded in 2009 and is headquartered in Troy, Michigan.

Stock analysis

Presurance Holdings, Inc. (PRHI) currently trades at $6.86, while our model-based Fair Value estimate is $1.14, 83.4% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: $0.8500 (bear) to $1.69 (bull), the price of $6.86 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Presurance Holdings, Inc. reported revenue of $36.9M in FY2025 versus $116M in FY2021, a compound −24.9%/yr. Reported net income was −$18.4M in FY2025.

Key figures

Market cap $18.9M · P/S ratio 0.58 · EPS (TTM) $−10.06 · Net margin −49.9% · Return on equity −64.4% · Return on assets (EBIT) −7.3% · Operating margin 1.0% · Revenue (TTM) $32.7M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 47% below its 52-week high and 104% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −83%, PRHI screens richer than that median.

Fair Value models

Bear $0.8500 Fair Value $1.14 Bull $1.69
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $1.21 $1.62 $2.42 54
All 1 models by family
Asset-Based
NCAV (Graham) $1.21 $1.62 $2.42 54

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Quality Score breakdown

Overall quality 39/100

Of which business quality 42 · Market factors (momentum, volatility) 42

Profitability 0
Margins and returns on capital today
Quality Growth 38
Are margins and returns improving?
Cashflow 50
Earnings quality: real cash, not paper profit
Fin. Strength 38
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 27
Calm price path (market factor)
Momentum 62
Price trend over the last 3–12 months (market factor)
52W Momentum 24
Distance to the 52-week high (market factor)
Net Issuance 58
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−44.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−28.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−18.6%
Start year 2020 (pandemic). Over 10 years: −7.8% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−0.2% (2020) → −49.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

PRHI screens overvalued: fair value 83% below the price. Compare with Chubb Limited →

Earlier news

News mood ⓘNews mood, the average tone of recent news (7 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Negative
Recent news coverage is more negative than average.

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Peer Groupⓘ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.Insurance - Property & Casualty · 116 stocks

Beats the industry median on 1/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 42 · Bottom 25%
Fair Value upside −83.0% · Bottom 25%
Profitability
Return on assets −4.4% · Bottom 25%
Net margin (TTM) −50.0% · Bottom 25%
Operating margin (TTM) 1.0% · Bottom 25%
Growth and dividend
Revenue growth −38.5% · Bottom 25%
Balance sheet
Debt / equity 1.36× · Highest 25%

Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper

P/B 2.11× · Pricier than median
P/S (TTM) 0.58× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 18
FUTURE (revenue growth)0 · sector 36
PAST (return on equity)0 · sector 58
HEALTH (low debt)32 · sector 90
DIVIDEND (yield)0 · sector 55

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Chubb Limited CB $331.37 $235.99 −29%
The Progressive Corporation PGR $209.47 $160.75 −23%
The Travelers Companies, Inc TRV $356.51 $279.78 −22%
The Allstate Corporation ALL $224.41 $290.52 +29%
The People's Insurance Company 601319 ¥7.98 ¥9.02 +13%
Fairfax Financial Holdings FFH C$2,219 C$3,257 +47%
Intact Financial Corporation IFC C$250.54 C$167.88 −33%
Cincinnati Financial Corporation CINF $161.92 $143.72 −11%
W. R. Berkley Corporation WRB $67.66 $47.22 −30%
QBE Insurance Group QBE A$23.81 A$13.42 −44%

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Presurance Holdings, Inc. · Fair Value
$1.14 −83%Fair Value
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Cite: Fair Value Calculator (2026). "Presurance Holdings, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/PRHI

Frequently asked questions

Is Presurance Holdings, Inc. (PRHI) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $1.14 versus a price of $6.86, about −83% upside (overvalued).
What is the fair value of PRHI?
Our model-based fair value for Presurance Holdings, Inc. is $1.14 (as of Sep 24, 2026), built from audited fundamentals. The current price: $6.86.
What is the quality score of PRHI?
Presurance Holdings, Inc. has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Presurance Holdings, Inc. (PRHI)?
Our model-based price target is the fair value of $1.14 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $0.8500, optimistic scenario $1.69. It is a calculation from audited fundamentals, not an analyst target.
What is the Presurance Holdings, Inc. stock forecast for 2026?
Our models put fair value at $1.14, about −83% upside versus a price of $6.86 (overvalued). Cautious scenario $0.8500, optimistic scenario $1.69. The calculation is refreshed regularly with new filings.
What is the revenue of Presurance Holdings, Inc. (PRHI)?
Presurance Holdings, Inc. reported trailing-twelve-month revenue of about $32.7M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Presurance Holdings, Inc. (PRHI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Presurance Holdings, Inc. it is $1.14 per share (as of Sep 24, 2026), against a price of $6.86. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Presurance Holdings, Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PRHI trades above its calculated fair value: price $6.86, fair value $1.14, a gap of about −83% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PRHI?
No. The price is what the market pays today ($6.86); the fair value is what the company's own numbers justify ($1.14). For Presurance Holdings, Inc. the two are $5.72 per share apart. That gap is exactly why we show both numbers side by side.
How much is Presurance Holdings, Inc. worth?
The market values Presurance Holdings, Inc. at about $18.9M (market capitalisation, as of Sep 24, 2026). Per share that is $6.86; our models calculate a fair value of $1.14 per share.
What do the bullish and bearish scenarios say about PRHI?
Our models span a range for Presurance Holdings, Inc.: cautious scenario $0.8500, base $1.14, optimistic $1.69 per share (as of Sep 24, 2026, price $6.86). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Presurance Holdings, Inc. (PRHI)?
Balance-sheet figures for Presurance Holdings, Inc. (as of Sep 24, 2026): return on equity −64.4%, debt of 1.36 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is PRHI from its 52-week high?
Presurance Holdings, Inc. trades at $6.86, about 47% below its 52-week high of $12.88 and 104% above the low of $3.36 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $1.14 is for.
Which stocks are comparable to Presurance Holdings, Inc.?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Presurance Holdings, Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price $6.86, calculated fair value $1.14 (−83%), Quality Score 39/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PRHI calculated?
We run Presurance Holdings, Inc. through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.14, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Presurance Holdings, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Presurance Holdings, Inc. (PRHI)?
The closing price on Oct 2, 2026 was $6.86. Our model-based fair value is $1.14, about −83% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Presurance Holdings, Inc. right now?
The price sits above even our optimistic bull case ($1.69). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.8500 to $1.69) leaves room in how you read the outcome.

Key figures of Presurance Holdings, Inc.

How large is the market capitalisation of Presurance Holdings, Inc. (PRHI)?
The market capitalisation of Presurance Holdings, Inc. is $18.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Presurance Holdings, Inc. (PRHI)?
The price-to-sales ratio of Presurance Holdings, Inc. is 0.58 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Presurance Holdings, Inc. (PRHI)?
Earnings per share at Presurance Holdings, Inc. are $−10.06. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Presurance Holdings, Inc. (PRHI)?
The net margin of Presurance Holdings, Inc. is −49.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Presurance Holdings, Inc. (PRHI)?
The return on equity (ROE) of Presurance Holdings, Inc. is −64.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Presurance Holdings, Inc. (PRHI)?
On an EBIT basis the return on assets of Presurance Holdings, Inc. is −7.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Presurance Holdings, Inc. (PRHI)?
The operating margin of Presurance Holdings, Inc. is 1.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Presurance Holdings, Inc. (PRHI)?
Revenue at Presurance Holdings, Inc. is growing −38.5% versus a year earlier (3y avg −28.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Presurance Holdings, Inc. (PRHI)?
Earnings per share at Presurance Holdings, Inc. are growing +275% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Presurance Holdings, Inc. (PRHI) generate?
The free cash flow of Presurance Holdings, Inc. is −$43.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Presurance Holdings, Inc. (PRHI) hold?
Presurance Holdings, Inc. holds more cash than debt, $795K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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