PRHI (Presurance Holdings) Cyclically Adjusted Book per Share: $35.41 (As of Mar. 2026)


PRHI Presurance Holdings Inc PRHI
48 GF Score
Price $5.02
GF Value $2.85
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Presurance Holdings Cyclically Adjusted Book per Share?

Presurance Holdings PRHI +3.05% 48 Cyclically Adjusted Book per Share is $35.41 as of Mar. 2026. GuruFocus rates PRHI with a GF Score™ of 48/100 and a GF Value™ of $2.85 (Significantly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Presurance Holdings's adjusted book value per share for the three months ended in Mar. 2026 was $6.725. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $35.41 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Presurance Holdings's average Cyclically Adjusted Book Growth Rate was -15.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-01), Presurance Holdings's current stock price is $5.0201. Presurance Holdings's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $35.41. Presurance Holdings's Cyclically Adjusted PB Ratio of today is 0.14.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Presurance Holdings was 0.29. The lowest was 0.08. And the median was 0.15.


Presurance Holdings  (NAS:PRHI) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Presurance Holdings's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=5.0201/35.41
=0.14

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Presurance Holdings was 0.29. The lowest was 0.08. And the median was 0.15.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Presurance Holdings Cyclically Adjusted Book per Share Related Terms


Presurance Holdings Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Presurance Holdings's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Presurance Holdings Cyclically Adjusted Book per Share Chart

Presurance Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 44.39 41.94 36.98

Presurance Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 41.65 41.22 39.37 36.98 35.41

PRHI vs FIGP, CB, PGR: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, Presurance Holdings's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Presurance Holdings Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Presurance Holdings's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Presurance Holdings's Cyclically Adjusted PB Ratio falls into.


PRHI
48GF Score
Presurance Holdings Inc PRHI
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Presurance Holdings Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Presurance Holdings's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=6.725/330.2130*330.2130
=6.725

Current CPI (Mar. 2026) = 330.2130.

Presurance Holdings Quarterly Data

Book Value per Share CPI Adj_Book
201606 70.176 241.018 96.146
201609 68.352 241.428 93.488
201612 62.196 241.432 85.067
201703 61.076 243.801 82.724
201706 60.520 244.955 81.584
201709 43.134 246.819 57.708
201712 43.407 246.524 58.143
201803 42.255 249.554 55.912
201806 41.223 251.989 54.020
201809 37.867 252.439 49.533
201812 34.817 251.233 45.762
201903 35.972 254.202 46.728
201906 34.198 256.143 44.087
201909 33.199 256.759 42.697
201912 31.186 256.974 40.074
202003 26.670 258.115 34.120
202006 31.568 257.797 40.436
202009 30.792 260.280 39.065
202012 32.114 260.474 40.712
202103 26.736 264.877 33.331
202106 31.708 271.696 38.537
202109 30.359 274.310 36.546
202112 29.202 278.802 34.587
202203 21.906 287.504 25.160
202206 12.231 296.311 13.630
202209 9.264 296.808 10.307
202212 10.860 296.797 12.083
202303 12.775 301.836 13.976
202306 9.655 305.109 10.449
202309 6.753 307.789 7.245
202312 -1.782 306.746 -1.918
202403 -1.971 312.332 -2.084
202406 -4.104 314.175 -4.314
202409 28.093 315.301 29.422
202412 12.328 315.605 12.899
202503 14.653 319.799 15.130
202506 16.156 322.561 16.539
202509 14.492 324.800 14.734
202512 5.135 324.054 5.233
202603 6.725 330.213 6.725

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $35.41 mean?
Presurance Holdings (PRHI) has a Cyclically Adjusted Book per Share of $35.41 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Presurance Holdings and its competitors.
Is Presurance Holdings' Cyclically Adjusted Book per Share too high?
Presurance Holdings' current Cyclically Adjusted Book per Share is $35.41. Overall, Presurance Holdings has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Presurance Holdings' Cyclically Adjusted Book per Share compare to FIGP and CB?
Presurance Holdings' Cyclically Adjusted Book per Share of $35.41 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Presurance Holdings and its competitors. Presurance Holdings's current Cyclically Adjusted Book per Share is $35.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Presurance Holdings stock overvalued right now?
Based on GuruFocus' analysis, Presurance Holdings (PRHI) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.85, compared to a current price of $5.02 — trading 76.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is $35.41. Presurance Holdings' overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Presurance Holdings (PRHI), the current Cyclically Adjusted Book per Share is $35.41 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Presurance Holdings (PRHI) Overvalued in 2026?

Based on GuruFocus' analysis, Presurance Holdings stock appears to be overvalued. The current stock price of $5.02 is trading 76.1% above its estimated GF Value™ of $2.85. GuruFocus considers Presurance Holdings to be Significantly Overvalued.

Key valuation signals for PRHI:

  • Cyclically Adjusted Book per Share: $35.41
  • GF Value™: $2.85 vs. price of $5.02 (76.1% above fair value)
  • GF Score™: 48/100 with 2 warning signs

No single metric tells the full story. See the PRHI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Presurance Holdings Business Description

Other Exchanges 9KK0:Germany
Address 3001 West Big Beaver Road, Suite 319, Troy, MI, USA, 48084
Presurance Holdings Inc is an insurance holding company that markets and services product offerings through specialty personal insurance lines of business. Through its personal insurance lines, it offers homeowners insurance and dwelling fire insurance products to individuals in several states. The specialty homeowners insurance product line is comprised of low-value dwelling insurance tailored for owners of lower valued homes, which it offers in Texas, Illinois and Indiana. Through commercial insurance lines, it offers coverage for both commercial property and commercial liability and also offered coverage for commercial automobiles and workers' compensation. Its revenues are derived from premiums earned from insurance operations.
48GF Score

Get the complete analysis for PRHI

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.02
Price
$2.85
GF Value