Presurance HoldingsPRHI +2.38%50 PB Ratio is 0.70 as of Jun. 26, 2026, which is 13% below its 10-year median of 0.80. GuruFocus rates PRHI with a GF Score™ of 50/100 and a GF Value™ of $2.86 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 497 Insurance companies, Presurance Holdings ranks better than 83.5% on this metric.
The historical rank and industry rank for Presurance Holdings's PB Ratio or its related term are showing as below:
PRHI'
s PB Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.8 Max: 1.43
Current: 0.7
During the past 13 years, Presurance Holdings's highest PB Ratio was 1.43. The lowest was 0.22. And the median was 0.80.
PRHI's PB Ratio is ranked better than 83.5% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs PRHI: 0.70
During the past 12 months, Presurance Holdings's average Book Value Per Share Growth Rate was -54.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -22.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Presurance Holdings was 55.00% per year. The lowest was -29.60% per year. And the median was -20.60% per year.
Back to Basics: PB Ratio
Presurance Holdings (NAS:PRHI) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Presurance Holdings PB Ratio Related Terms
Presurance Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Presurance Holdings's PB Ratio 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.
For the Insurance - Property & Casualty subindustry, Presurance Holdings's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Presurance Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Presurance Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Presurance Holdings (PRHI) has a PB Ratio of 0.70 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Presurance Holdings and its competitors. This is 13% below median its historical median of 0.80. Over the past decade, Presurance Holdings' PB Ratio has ranged from 0.22 to 1.43. According to the industry distribution chart, Presurance Holdings ranks #82 out of 497 companies in the Insurance industry, placing it in the top 16.5%.
Is Presurance Holdings' PB Ratio too high?
Presurance Holdings' current PB Ratio of 0.70 is 13% below median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 1.43. The Insurance industry median PB Ratio is 1.38. Presurance Holdings' value of 0.70 is 49.3% below this industry median. Based on the distribution chart, Presurance Holdings ranks #82 out of 497 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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' PB Ratio compare to FIGP and CB?
According to the Insurance industry distribution chart, Presurance Holdings ranks #82 out of 497 companies for PB Ratio. This places Presurance Holdings in the top 17% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.38. Presurance Holdings' value of 0.70 is 49.3% below this benchmark. Historically, Presurance Holdings' own PB Ratio has ranged from 0.22 to 1.43 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 1.38, Presurance Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Presurance Holdings's current PB Ratio of 0.70 is 49.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Presurance Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Presurance Holdings's current PB Ratio is 0.70, which is 13% below median its own 10-year median of 0.80. 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 $2.86, compared to a current price of $4.73 — trading 65.4% above its estimated fair value. The current PB Ratio is 0.70, which is 13% below median its 10-year median of 0.80 and 49.3% below the Insurance industry median of 1.38. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Presurance Holdings (PRHI), the current PB Ratio is 0.70 as of Jun. 26, 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 $4.73 is trading 65.4% above its estimated GF Value™ of $2.86.
GuruFocus considers Presurance Holdings to be Significantly Overvalued.
Key valuation signals for PRHI:
PB Ratio: 0.70 (13% below median its 10-year median of 0.80)
GF Value™: $2.86 vs. price of $4.73 (65.4% above fair value)
Industry Position: 49.3% below the Insurance median (#82 of 497)
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 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.
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