PRHI (Presurance Holdings) Moat Score: 2/10 (As of Jul. 01, 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 Moat Score?

Presurance Holdings PRHI +3.05% 48 Moat Score is 2 as of Jul. 01, 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. Among 600 Insurance companies, Presurance Holdings ranks better than 69.83% on this metric.

Presurance Holdings has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Presurance Holdings has No Moat: Presurance Holdings Inc operates in a competitive insurance market with no significant market leadership or brand strength. The company lacks durable cost advantages, significant regulatory barriers, or exclusive licenses, resulting in very weak competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Presurance Holdings might have No Moat - Very weak/transient advantages.

Presurance Holdings  (NAS:PRHI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Presurance Holdings Moat Score Related Terms

PRHI vs FIGP, CB, PGR: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Presurance Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Presurance Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Presurance Holdings's Moat Score falls into.


PRHI
48GF Score
Presurance Holdings Inc PRHI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Presurance Holdings (PRHI) has a Moat Score of 2 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Presurance Holdings ranks #181 out of 600 companies in the Insurance industry, placing it in the top 30.2%.
Is Presurance Holdings' Moat Score too high?
Presurance Holdings' current Moat Score is 2. Based on the distribution chart, Presurance Holdings ranks #181 out of 600 companies in the Insurance industry, which is above the industry midpoint. 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' Moat Score compare to FIGP and CB?
According to the Insurance industry distribution chart, Presurance Holdings ranks #181 out of 600 companies for Moat Score. This puts Presurance Holdings in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Presurance Holdings's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Presurance Holdings (PRHI), the current Moat Score is 2 as of Jul. 01, 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:

  • Moat Score: 2
  • 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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.02
Price
$2.85
GF Value