PRHI (Presurance Holdings) Cyclically Adjusted FCF per Share: $-6.65 (As of Mar. 2026)


PRHI Presurance Holdings Inc PRHI
50 GF Score
Price $4.96
GF Value $2.83
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Presurance Holdings Cyclically Adjusted FCF per Share?

Presurance Holdings PRHI -2.08% 50 Cyclically Adjusted FCF per Share is $-6.65 as of Mar. 2026. GuruFocus rates PRHI with a GF Score™ of 50/100 and a GF Value™ of $2.83 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Presurance Holdings's adjusted free cash flow per share for the three months ended in Mar. 2026 was $-3.382. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $-6.65 for the trailing ten years ended in Mar. 2026.

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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-12), Presurance Holdings's current stock price is $4.955. Presurance Holdings's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $-6.65. Presurance Holdings's Cyclically Adjusted Price-to-FCF of today is .


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Presurance Holdings Cyclically Adjusted FCF per Share Related Terms


Presurance Holdings Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Presurance Holdings's Cyclically Adjusted FCF 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 FCF per Share Chart

Presurance Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 -1.03 -3.79 -5.82

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 FCF 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 -4.50 -4.33 -3.56 -5.82 -6.65

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

For the Insurance - Property & Casualty subindustry, Presurance Holdings's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Presurance Holdings's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Presurance Holdings's Cyclically Adjusted Price-to-FCF falls into.


PRHI
50GF Score
Presurance Holdings Inc PRHI
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Presurance Holdings Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-3.382/330.2130*330.2130
=-3.382

Current CPI (Mar. 2026) = 330.2130.

Presurance Holdings Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 1.982 241.018 2.715
201609 0.883 241.428 1.208
201612 -0.087 241.432 -0.119
201703 3.594 243.801 4.868
201706 3.151 244.955 4.248
201709 9.251 246.819 12.377
201712 -6.915 246.524 -9.262
201803 -3.228 249.554 -4.271
201806 -2.646 251.989 -3.467
201809 -0.353 252.439 -0.462
201812 -7.760 251.233 -10.200
201903 -1.840 254.202 -2.390
201906 1.653 256.143 2.131
201909 5.551 256.759 7.139
201912 5.821 256.974 7.480
202003 2.897 258.115 3.706
202006 -6.286 257.797 -8.052
202009 1.157 260.280 1.468
202012 4.310 260.474 5.464
202103 -2.540 264.877 -3.167
202106 -0.699 271.696 -0.850
202109 1.785 274.310 2.149
202112 5.294 278.802 6.270
202203 -6.148 287.504 -7.061
202206 -5.005 296.311 -5.578
202209 0.872 296.808 0.970
202212 -15.102 296.797 -16.802
202303 -3.449 301.836 -3.773
202306 2.618 305.109 2.833
202309 0.411 307.789 0.441
202312 -7.253 306.746 -7.808
202403 4.682 312.332 4.950
202406 -5.800 314.175 -6.096
202409 -6.143 315.301 -6.434
202412 -11.455 315.605 -11.985
202503 -8.740 319.799 -9.025
202506 -1.578 322.561 -1.615
202509 -0.390 324.800 -0.396
202512 -14.424 324.054 -14.698
202603 -3.382 330.213 -3.382

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $-6.65 mean?
Presurance Holdings (PRHI) has a Cyclically Adjusted FCF per Share of $-6.65 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Presurance Holdings and its competitors.
Is Presurance Holdings' Cyclically Adjusted FCF per Share too high?
Presurance Holdings' current Cyclically Adjusted FCF per Share is $-6.65. Overall, Presurance Holdings has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Presurance Holdings' Cyclically Adjusted FCF per Share compare to FIGP and CB?
Presurance Holdings' Cyclically Adjusted FCF per Share of $-6.65 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Presurance Holdings and its competitors. Presurance Holdings's current Cyclically Adjusted FCF per Share is $-6.65. 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 $2.83, compared to a current price of $4.96 — trading 75.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $-6.65. Presurance Holdings' overall GF Score™ is 50/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Presurance Holdings (PRHI), the current Cyclically Adjusted FCF per Share is $-6.65 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 $4.96 is trading 75.1% above its estimated GF Value™ of $2.83. GuruFocus considers Presurance Holdings to be Significantly Overvalued.

Key valuation signals for PRHI:

  • Cyclically Adjusted FCF per Share: $-6.65
  • GF Value™: $2.83 vs. price of $4.96 (75.1% above fair value)
  • GF Score™: 50/100 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.
50GF Score

Get the complete analysis for PRHI

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

$4.96
Price
$2.83
GF Value