PRHI
Presurance Holdings, Inc.
Price as of Jul 20, 2026
PRHI earnings
Presurance Holdings, Inc. earnings
Reported EPS and revenue history, upcoming estimates and available earnings-call summaries.
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| May 13, 2026 | — | $-0.16 | — | $12M | — |
| Mar 27, 2026 | $0.01 | $-1.24 | -12500.0% | $7M | -71.1% |
| Nov 12, 2025 | $0.01 | $-0.22 | -2300.0% | $7M | -69.9% |
| Aug 13, 2025 | $0.01 | $-0.17 | -1800.0% | $16M | -26.0% |
| May 14, 2025 | $0.01 | $-0.30 | -3100.0% | $16M | -26.0% |
| Mar 28, 2025 | $-0.02 | $-2.11 | -10450.0% | $14M | -35.0% |
| Nov 13, 2024 | $-0.02 | $-0.60 | -2900.0% | $16M | -17.3% |
| Aug 13, 2024 | $-0.01 | $-0.30 | -2900.0% | $27M | +75.1% |
| Apr 4, 2024 | $-0.02 | $-1.59 | -7850.0% | $23M | +50.6% |
| Mar 13, 2024 | $-0.02 | $-1.59 | -7862.0% | $21M | +30.3% |
| Nov 9, 2023 | $-0.02 | $-0.41 | -2150.3% | $28M | +73.2% |
| Mar 8, 2023 | $-0.02 | $-0.10 | -400.0% | $29M | +1.6% |
Earnings call summary
Q2 FY2024 · August 16, 2024
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Shift towards a commission-based revenue model through wholly-owned managing general agency Conifer Insurance Services. - Accelerated transfer of cannabis premiums to capacity partner Palomar. - Commercial lines production decreased significantly compared to prior year due to ramping up other capacity providers. - Expense ratio improved to 32% in Q2, down 580 basis points from same period last year and below near-term target of 35%. - Net investment income was $1.5 million in Q2, up 11% from prior year period. - Investments conservatively managed with vast majority in fixed income securities.
Guidance
- Expect profitability to be achieved more quickly with the commission-based MGA model on commercial lines and improved weather results in personal lines. - Considering other asset sales as a source of liquidity if additional liquidity is needed.
Segment performance
In the second quarter, overall gross written premium decreased 58% to $19 million. The breakdown of total gross written premium was 36% commercial lines and 64% personal lines. Commercial lines combined ratio was 105% and accident year combined ratio was 81%. Personal lines were significantly impacted by spring storms in Oklahoma, with the run-off process expected to be largely completed by year-end.
Analyst Q&A
Q: Long-standing shareholder asks about when profitability is expected and sources of liquidity if not achieved.
A: Nicholas J. Petcoff states the commission-based model on commercial lines with A-rated paper and improved personal lines weather results will lead to profitability. Harold Meloche mentions expense reductions over years and considering other asset sales for liquidity
Earnings history is derived from company filings and calendar data. Call summaries are grouped by reporting period. Latest covered event: 2026-05-13.