PRHI (Presurance Holdings) LT-Debt-to-Total-Asset: 0.05 (As of Mar. 2026)

What is Presurance Holdings LT-Debt-to-Total-Asset?

Presurance Holdings PRHI +2.03% 51 LT-Debt-to-Total-Asset is 0.05 as of Mar. 2026. GuruFocus rates PRHI with a GF Score™ of 51/100 and a GF Value™ of $2.85 (Significantly Overvalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Presurance Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.05.

Presurance Holdings's long-term debt to total assets ratio increased from Mar. 2025 (0.04) to Mar. 2026 (0.05). It may suggest that Presurance Holdings is progressively becoming more dependent on debt to grow their business.

Presurance Holdings (NAS:PRHI) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Presurance Holdings LT-Debt-to-Total-Asset Related Terms

Presurance Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Presurance Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Presurance Holdings Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.12

0.11

0.08

0.04

0.05

Presurance Holdings Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.04	0.04	0.05	0.05

51GF Score

Presurance Holdings Inc PRHI

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Presurance Holdings LT-Debt-to-Total-Asset Calculation

Presurance Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	12.187	/	239.283
	=	0.05

Presurance Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	12.25	/	236.61
	=	0.05

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.05 mean?

Presurance Holdings (PRHI) has a LT-Debt-to-Total-Asset of 0.05 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Presurance Holdings and its competitors.

Is Presurance Holdings' LT-Debt-to-Total-Asset too high?

Presurance Holdings' current LT-Debt-to-Total-Asset is 0.05. Overall, Presurance Holdings has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Presurance Holdings' LT-Debt-to-Total-Asset compare to FIGP and CB?

Presurance Holdings' LT-Debt-to-Total-Asset of 0.05 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 LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Presurance Holdings and its competitors. Presurance Holdings's current LT-Debt-to-Total-Asset is 0.05. 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 $5.07 — trading 77.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.05. Presurance Holdings' overall GF Score™ is 51/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Presurance Holdings (PRHI), the current LT-Debt-to-Total-Asset is 0.05 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 $5.07 is trading 77.9% above its estimated GF Value™ of $2.85. GuruFocus considers Presurance Holdings to be Significantly Overvalued.

Key valuation signals for PRHI:

LT-Debt-to-Total-Asset: 0.05
GF Value™: $2.85 vs. price of $5.07 (77.9% above fair value)
GF Score™: 51/100 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

Industry Financial Services Insurance

Comparable Companies FIGP CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSX:FFH TSE:8630 CINF WRB ASX:QBE MKL L MIL:UNI XKRX:000810 WAR:PZU

Other Exchanges 9KK0:Germany

Address 3001 West Big Beaver Road, Suite 319, Troy, MI, USA, 48084

Website https://www.prehld.com

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.

51GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.07

Price

$2.85

GF Value

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