---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-071337"
form_type: "8-K"
ticker: "PRHI"
cik: "0001502292"
company_name: "Presurance Holdings, Inc."
filed_at: "2025-05-14T23:59:59+00:00"
generated_at: "2026-05-21T08:28:47.737649+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Conifer posts Q1 net income of $0.04/share but adjusted operating loss of $0.30; combined ratio spikes to 140.5%

## Summary
- Net income allocable to common shareholders $522k ($0.04/diluted share) vs $74k ($0.01) a year ago.
- Adjusted operating loss of $3.7M ($0.30/share) vs operating income of $1.3M ($0.11) in Q1 2024.
- Gross written premiums fell 33.5% to $16.2M due to Commercial Lines shrinkage after agency sale.
- Combined ratio for Q1 2025 was 140.5% (loss ratio 89.7%, expense ratio 50.8%), up from 96.7% a year ago.
- Personal lines production up 22%; book value per share $2.09.

## SEC filing metadata
- accession: 0000950170-25-071337
- form_type: 8-K
- ticker: PRHI
- cik: 0001502292
- company_name: Presurance Holdings, Inc.
- filed_at: 2025-05-14T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1502292/000095017025071337/0000950170-25-071337-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1502292/000095017025071337/cnfr-20250514.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-071337
- JSON: https://secwatch.observer/filing/0000950170-25-071337.json
- Plain text: https://secwatch.observer/filing/0000950170-25-071337.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.