Presurance Holdings, Inc.
PRHI, PRHIZ · Fire, Marine & Casualty Insurance · 26.2M shares · +8%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: $598K (gross $676K, SBC $78K)
Reference price $0.74 · est. market cap ~$19M — last insider purchase, 2026-04-13 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
D44Presurance Holdings — small insurer running operating losses.
Strengths
- Niche underwriting focus
Risks
- Operating margin -60%; revenue down 36%; negative interest coverage
- High leverage (D/E 1.36, 91st); going-concern risk
Notable findings
- No interest coverageInterest coverage -8.13 (cannot cover interest)
- Net lossNet loss (net margin -42.6%)
- Chronic dilutionShare count +8%/yr over 3y (dilution, book value/share -63%)
- Insider buyingInsider buying — 4 open-market buy(s) by 3 insider(s) (cluster of 3 insiders, ~$9M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Operating margin
-59.8%
Net margin
-42.6%
Return on equity
-205.6%
Return on assets
-7.7%
ROIC
-96.7%
Revenue growth (QoQ)
150.2%
Net-income growth
-175.7%
Debt / equity
1.4×
Interest coverage
-8.1×
Tangible book value
$9M
Cash & investments
$52M
Stock comp / revenue
0.1%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-11 | Clarkston Companies, Inc. | Other | 1.6K | $5,000.00 |
| 2026-05-11 | Clarkston Companies, Inc. | Other | 1.6K | $5,000.00 |
| 2026-04-13 | Smith James Grant | Buy | 24K | $0.74 |
| 2026-04-06 | Smith James Grant | Buy | 1.1K | $0.80 |
| 2026-04-01 | RONEY BRIAN J | Buy | 100K | $0.72 |
| 2026-02-27 | Clarkston Ventures, LLC | O | 4.3M | $1.00 |
| 2026-02-27 | Clarkston Companies, Inc. | Buy | 9.1M | $1.00 |
| 2026-02-27 | Clarkston Companies, Inc. | Other | 1.5K | $5,000.00 |
| 2025-12-23 | Clarkston Companies, Inc. | Buy | 1.6K | $5,000.00 |
| 2025-10-08 | Clarkston 91 West LLC | Disposition | 1.5K | $5,000.00 |
| 2025-04-10 | Smith James Grant | Buy | 20K | $0.67 |
| 2025-04-09 | Smith James Grant | Buy | 16K | $0.68 |
| 2025-04-07 | SARAFA JOSEPH D | Buy | 100K | $0.53 |
| 2025-04-07 | MELOCHE HAROLD J | Buy | 22K | $0.52 |
| 2025-03-03 | Hakala Jeffrey Anthony | Buy | 500 | $5,000.00 |
| 2025-03-03 | Hakala Gerald W | Buy | 500 | $5,000.00 |
| 2025-03-03 | Clarkston 91 West LLC | Buy | 500 | $5,000.00 |
| 2025-02-27 | Hakala Gerald W | Buy | 1.0K | $5,000.00 |
| 2025-02-27 | Hakala Jeffrey Anthony | Buy | 1.0K | $5,000.00 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-04 | Shareholder vote | filing ↗ |
| 2026-05-28 | 3.035.03Reg FDOtherExhibits | filing ↗ |
| 2026-05-14 | ResultsExhibits | filing ↗ |
| 2026-03-30 | ResultsExhibits | filing ↗ |
| 2026-03-06 | Delisting notice | filing ↗ |
| 2026-02-27 | Material agreement3.023.035.03Reg FDExhibits | filing ↗ |
| 2026-02-12 | Other | filing ↗ |
| 2026-02-06 | Reg FDExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-04 | 2026-06-03 | 0001193125-26-257186 ↗ |
| 8-K | 2026-05-28 | 2026-05-28 | 0001193125-26-245505 ↗ |
| 8-K | 2026-05-14 | 2026-05-13 | 0001193125-26-223815 ↗ |
| 10-Q | 2026-05-13 | 2026-03-31 | 0001193125-26-221549 ↗ |
| 8-K | 2026-03-30 | 2026-03-27 | 0001193125-26-131827 ↗ |
| 10-K | 2026-03-27 | 2025-12-31 | 0001193125-26-129019 ↗ |
| 8-K | 2026-03-06 | 2026-03-03 | 0001193125-26-096466 ↗ |
| 8-K | 2026-02-27 | 2026-02-26 | 0001193125-26-081526 ↗ |
| 8-K | 2026-02-12 | 2026-02-10 | 0001193125-26-048748 ↗ |
| 8-K | 2026-02-06 | 2026-02-06 | 0001193125-26-041390 ↗ |
| 8-K | 2026-01-28 | 2026-01-27 | 0001193125-26-025148 ↗ |
| 8-K | 2025-12-30 | 2025-12-23 | 0001193125-25-337040 ↗ |