{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-223815","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2026-05-14T19:24:14+00:00","discovered_at":"2026-05-14T19:25:01.844836+00:00","generated_at":"2026-05-14T19:25:14.082748+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Presurance Q1 net income improves to $2.6M; personal lines combined ratio turns profitable at 97.9%","bullets":["Net income $2.6M ($0.15/share) vs $522K ($0.04) YoY; adj. operating loss $2.8M ($0.16) vs $3.7M loss.","Gross written premiums $11.5M, down 29% YoY reflecting exit from commercial lines.","Combined ratio improved to 105.7% from 140.5%; personal lines combined ratio 97.9% (profitable).","Loss ratio improved to 56.2% from 89.7%; CEO cites repositioning to disciplined underwriting.","Net investment income $1.1M vs $1.3M prior year; book value $0.96 vs $2.09 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-223815","json":"https://secwatch.observer/filing/0001193125-26-223815.json","markdown":"https://secwatch.observer/filing/0001193125-26-223815.md","text":"https://secwatch.observer/filing/0001193125-26-223815.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526223815/0001193125-26-223815-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526223815/prhi-20260513.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-14T19:25:14.082748+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"f606b9f4a60b624edbeccc79f040b508fa5cfcff","claim":"Presurance Holdings, Inc. reported first quarter ended March 31, 2026 results: revenue $5,925, net income $2,622, EPS $0.15.","evidence_excerpt":"% Change (dollars in thousands, except share and per share amounts) Gross written premiums $ 11,469 $ 16,173 -29.1 % Net written premiums 6,075 10,840 -44.0 % Net earned premiums 5,925 10,315 -42.6 % Net investment income 1,110 1,289 -13.9 % Net realized investment gains (losses) (14 ) 3 ** Change in fair value of equity securities 30 (192 ) ** Net income (loss)","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526223815/0001193125-26-223815-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2026"},{"label":"Revenue","value":"$5,925"},{"label":"Net income","value":"$2,622"},{"label":"EPS","value":"$0.15"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}