PRESURANCE HOLDINGS INC (PRHI)
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
$6.83-6.95%
Close 2026-11-05 · 1-day change
NASDAQFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
QuarterlyIQ Insights · PRHI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -42.5% |
| Our one-year growth estimate | diamond | -41.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 0.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 26 industry peers
PRHI — capital allocation — Material Modification to Rights of Security Holders
Dated 2026-05-28
Material Modification to Rights of Security Holders. To the extent required by
Why it matters: Homeowners business made up all Q2 gross premiums. Further declines may weaken the earnings base, while growth could show the smaller book can expand.
Watch forQ3 personal lines gross written premiums rise from a year ago. The combined ratio stays below 100%.
Also watch forQ3 personal lines gross written premiums fall more than 20% year over year, or the combined ratio reaches 100%.
Why it matters: A ratio below 100% means underwriting brings in more than it pays out. Q2 also got a large boost from reserve releases.
Supportive ifIn the November 11 results, the Q3 combined ratio is below 100%. The accident-year ratio is also below 100%.
Worry ifThe Q3 combined ratio is at least 100%, or the accident-year ratio rises above 100%.
Why it matters: Commercial premiums have run down to zero, but old claims can still hurt results. New adverse reserve changes would show that this risk remains.
Worry ifThe Q3 report shows more claims from past years than expected in commercial lines. Or it shows higher reserves for old claims.
Less concerning ifThe Q3 report shows no adverse reserve changes in commercial lines. It also shows lower reserves for old claims.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$294 on $10,000 · ±2.9% | How much price usually moves either way. |
| Bad day | $950 loss on $10,000 · 9.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $6,495 loss on $10,000 · 65.0% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.