Presurance Holdings, Inc. Financial Ratios — PRHI Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	3.37	-22.59	-0.79	-11.56	-35.3	-18.84	-17.98	1.39	-2.54	-26.78	-106.74	101.33	-68.81
Return on Assets (%)	- -	0.72	-5.32	0.04	-4.42	-9.73	-3.91	-3.26	0.23	-0.4	-3.54	-8.25	8.15	-7.08
Return on Capital (%)	- -	5.64	- -	0.56	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	1.63	- -	0.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.03	0.65	-10.36	0.1	-8.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	2.03	0.65	-10.36	0.1	-8.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-0.48	- -	52.42	- -	-110.28	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	2.03	0.65	-10.36	0.1	-8.3	-22.89	-10.05	-9.64	-0.23	-1.47	-20.19	-30.71	-54.42	-49.53
Profit Margin (%)	2.11	0.8	-9.95	0.08	-8.1	-22.36	-9.8	-8.27	0.57	-0.94	-10.53	-28.79	36.72	-49.91
Net Income to Common Margin (%)	2.11	0.8	-10.33	-0.57	-8.1	-22.36	-9.8	-8.27	0.57	-0.94	-10.53	-28.81	35.49	-49.91
Effective Tax Rate (%)	- -	1.06	- -	57.83	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	1.03	24.45	- -	- -	- -	- -	- -	- -	- -	0.07	1.08	- -
Sustainable Growth Rate (%)	- -	3.37	-22.35	-0.6	-11.56	-35.3	-18.84	-17.98	1.39	-2.54	-26.78	-106.67	100.24	-68.81

Credit (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	13	28	13	18	29	34	36	41	34	34	25	12	12
ST Debt	- -	- -	- -	- -	- -	- -	- -	2	5	- -	- -	- -	- -	- -
LT Debt	- -	13	28	13	18	29	34	34	36	34	34	25	12	12
Total Debt/EBITDA	- -	46.24	-3.82	153.61	-2.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	6.33	-1.26	0.57	-0.61	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	46.24	-3.82	153.61	-2.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	6.33	-1.26	0.57	-0.61	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	0.93	0.52	-12.36	0.11	-13.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	0.8	- -	-13.12	-0.11	-13.66	-0.01	-0.03	-0.02	-0.03	- -	- -	- -	- -	- -
EBIT to Interest Expense	0.93	0.52	-12.36	0.11	-13.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	1	1	1	1	1	3	3	3	3	3	3	5	3
Common Equity/Total Assets	- -	21.41	26.28	43.32	33.81	22.25	19.24	17.08	16.63	14.67	11.89	3.62	12.44	7.76
Long-Term Debt/Equity (%)	- -	61.58	54.82	16.5	26.18	54.95	79.46	79.17	81.05	82.87	178.77	867.46	55.43	135.92
Long-Term Debt/Capital (%)	- -	38.72	35.94	14.19	20.49	35.31	42.8	43.33	42.6	44.06	47.69	59	25.41	39.63
Long-Term Debt/Total Assets (%)	- -	13.51	16.83	7.17	8.71	12.14	14.39	13.68	13.76	11.56	10.85	7.94	4.24	5.09
Total Debt/Equity (%)	- -	61.58	54.82	16.5	26.18	54.95	79.46	83.85	92.31	82.87	178.77	867.46	55.43	135.92
Total Debt/Capital (%)	- -	38.72	35.94	14.19	20.49	35.31	42.8	45.89	48.52	44.06	47.69	59	25.41	39.63
Total Debt/Total Assets (%)	- -	13.51	16.83	7.17	8.71	12.14	14.39	14.49	15.67	11.56	10.85	7.94	4.24	5.09
Net Debt to Equity	- -	8.43	18.05	0.06	7.75	32.48	53.86	66.38	73.86	58.39	30.82	498.37	-73.04	-169.25
Net Debt/Capital (%)	- -	7.96	15.59	0.06	7.09	24.39	33.65	40.17	42.99	35.69	13.59	45.26	-81.45	-447.38
EBITDA	- -	- -	-7	- -	-9	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	-8	- -	-9	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	-7	- -	-9	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	21.41	26.28	43.32	33.81	22.25	19.24	17.08	16.63	14.67	11.89	3.62	12.44	7.76
Long-Term Debt/Equity (%)	- -	61.58	54.82	16.5	26.18	54.95	79.46	79.17	81.05	82.87	178.77	867.46	55.43	135.92
Long-Term Debt/Capital (%)	- -	38.72	35.94	14.19	20.49	35.31	42.8	43.33	42.6	44.06	47.69	59	25.41	39.63
Long-Term Debt/Total Assets (%)	- -	13.51	16.83	7.17	8.71	12.14	14.39	13.68	13.76	11.56	10.85	7.94	4.24	5.09
Total Debt/Equity (%)	- -	61.58	54.82	16.5	26.18	54.95	79.46	83.85	92.31	82.87	178.77	867.46	55.43	135.92
Total Debt/Capital (%)	- -	38.72	35.94	14.19	20.49	35.31	42.8	45.89	48.52	44.06	47.69	59	25.41	39.63
Total Debt/Total Assets (%)	- -	13.51	16.83	7.17	8.71	12.14	14.39	14.49	15.67	11.56	10.85	7.94	4.24	5.09
CFO/Total Liabilities	- -	3.36	5.56	-3.12	4.54	4.88	-8.92	7.51	1.37	2.14	-13.79	-4.28	-12.56	-19.05
CFO/CapEx	23.37	8.98	14.2	-18.78	31.62	699.23	-197.77	251.82	38.23	- -	- -	- -	- -	- -
Altman's Z-Score	- -	0.53	0.26	0.74	0.57	0.36	0.25	0.21	0.22	0.21	0.09	-0.07	-0.05	-0.3

Working Capital (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	5.21	3.84	3.74	3.65	2.43	1.82	1.82	2.19	2.12	1.17	0.8	0.62	0.42
Days Sales Outstanding	- -	70.06	95.09	97.48	100	150.44	200.31	200.36	166.51	172.18	312.91	454.16	589.37	872.78
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	50	62	46	30	36	32	22	17	13	14	9
- Cash & Cash Equivalents	- -	11	18	13	12	12	11	7	8	10	28	11	28	27
+ Preferred Equity and Hybrid Capital	- -	- -	6	- -	- -	- -	- -	- -	- -	- -	- -	6	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	13	28	13	18	29	34	36	41	34	34	25	12	12
Enterprise Value	- -	-8	-2	43	-57	-85	-77	-99	-101	-127	-114	-109	-128	-119
Total Capital	- -	34	77	90	87	82	78	78	84	76	71	42	47	31
Total Debt/Capital (%)	- -	38.72	35.94	14.19	20.49	35.31	42.8	45.89	48.52	44.06	47.69	59	25.41	39.63
Total Debt / EV	- -	-1.74	-17.46	0.29	-0.31	-0.34	-0.44	-0.36	-0.41	-0.26	-0.3	-0.23	-0.09	-0.1
EV/Sales	- -	- -	- -	0.52	3.03	1.96	1.09	1.21	0.86	0.07	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	523.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	523.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	46.41	18.09	- -	6.38	14.91	0.96	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	45.12	18.07	- -	6.36	14.71	0.96	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	50	62	46	30	36	32	22	17	13	14	9
Diluted Enterprise Value	- -	2	15	50	67	63	53	64	64	46	23	34	-1	-6
EV per Share	- -	- -	- -	56.62	41.47	23.97	12.02	12.9	9.26	0.85	- -	- -	- -	- -
TTM Sales	20	43	70	84	104	96	94	95	103	116	101	90	66	37
TTM EBITDA	- -	- -	-7	- -	-9	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	-7	- -	-9	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	3	7	-3	7	10	-14	18	6	9	-39	-10	-28	-41
TTM Free Cash Flow to Firm	2	3	7	-3	7	10	-14	18	6	9	-39	-10	-28	-41

Multiples (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	-16.77	9.76	5.01	-1.77	2.3	10.35	4.2	-0.41	-1	-0.44	-0.2
EV/EBIT	- -	- -	- -	523.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-8	-2	43	-57	-85	-77	-99	-101	-127	-114	-109	-128	-119
Low Price	- -	- -	- -	57.75	37.24	37.1	21.42	21.84	14	14.7	8.96	4.55	4.55	2.91
EV/Sales	- -	- -	- -	0.52	3.03	1.96	1.09	1.21	0.86	0.07	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	523.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	53.22	- -	- -	- -	0.61	- -
Price/Earnings Average	- -	- -	- -	-109.26	-6.61	-2.51	-5.4	-4.58	47.87	-26.83	-1.88	-0.69	0.56	-0.62
Price/Earnings High	- -	- -	- -	-123.53	-8.42	-2.99	-6.67	-5.61	80.88	-42.7	-2.55	-0.98	0.99	-1.88
Price/Earnings Low	- -	- -	- -	-93.07	-4.8	-1.94	-2.83	-3.54	32.35	-18.6	-1.28	-0.31	0.34	-0.28
Price/Book Value	- -	- -	- -	0.65	0.9	0.86	0.67	0.84	0.73	0.53	0.45	1.18	0.41	0.47
Price/Book Value Average	- -	- -	- -	0.67	0.81	1.02	1.11	0.85	0.65	0.69	0.54	1.56	0.37	0.62
Price/Book Value High	- -	- -	- -	0.76	1.03	1.21	1.37	1.04	1.11	1.1	0.73	2.23	0.67	1.86
Price/Book Value Low	- -	- -	- -	0.57	0.59	0.78	0.58	0.66	0.44	0.48	0.37	0.7	0.23	0.27
Price/Tangible Book Value	- -	- -	- -	0.64	0.92	0.86	0.71	0.83	0.71	0.56	0.89	-4.32	0.66	0.97
Price/Tangible Book Value Average	- -	- -	- -	0.67	0.82	1.02	1.18	0.84	0.64	0.72	1.06	-5.71	0.61	1.28
Price/Tangible Book Value High	- -	- -	- -	0.76	1.05	1.22	1.46	1.03	1.08	1.15	1.44	-8.17	1.08	3.86
Price/Tangible Book Value Low	- -	- -	- -	0.57	0.6	0.79	0.62	0.65	0.43	0.5	0.72	-2.55	0.37	0.57
Price/Sales	- -	- -	- -	0.6	0.6	0.47	0.32	0.38	0.31	0.19	0.17	0.15	0.22	0.24
Price/Sales Average	- -	- -	- -	0.62	0.54	0.56	0.53	0.38	0.28	0.25	0.2	0.2	0.2	0.31
Price/Sales High	- -	- -	- -	0.7	0.68	0.67	0.65	0.46	0.47	0.4	0.27	0.28	0.35	0.94
Price/Sales Low	- -	- -	- -	0.53	0.39	0.43	0.28	0.29	0.19	0.18	0.13	0.09	0.12	0.14
Price/Cash Flow	- -	- -	- -	-15.87	10.07	5.02	-1.76	2.31	10.62	4.2	-0.41	-1	-0.44	-0.2
Price/Cash Flow Average	- -	- -	- -	-16.58	9.05	5.95	-2.93	2.33	9.55	5.48	-0.5	-1.33	-0.4	-0.26
Price/Cash Flow High	- -	- -	- -	-18.75	11.52	7.1	-3.62	2.86	16.14	8.72	-0.67	-1.9	-0.71	-0.79
Price/Cash Flow Low	- -	- -	- -	-14.13	6.57	4.59	-1.54	1.8	6.46	3.8	-0.34	-0.59	-0.24	-0.12
Price/Free Cash Flow Average	- -	- -	- -	-17.52	8.77	5.94	-2.94	2.32	9.31	5.48	-0.5	-1.33	-0.4	-0.26
Price/Free Cash Flow High	- -	- -	- -	-19.81	11.16	7.09	-3.64	2.84	15.73	8.72	-0.67	-1.9	-0.71	-0.79
Price/Free Cash Flow Low	- -	- -	- -	-14.92	6.37	4.58	-1.54	1.8	6.29	3.8	-0.34	-0.59	-0.24	-0.12
EV/Sales Average	- -	0.04	0.22	0.62	0.59	0.74	0.77	0.68	0.59	0.46	0.26	0.42	1.14	1.77
EV/Sales High	- -	0.04	0.22	0.7	0.73	0.85	0.89	0.76	0.78	0.61	0.33	0.51	0.11	0.53
EV/Sales Low	- -	0.04	0.22	0.53	0.44	0.61	0.52	0.59	0.5	0.38	0.19	0.32	0.6	0.55
EV/EBITDA Average	- -	6.26	-2.1	627.19	-7.06	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	6.26	-2.1	709.01	-8.82	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	6.26	-2.1	534.33	-5.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	6.26	-2.1	627.19	-7.06	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	6.26	-2.1	709.01	-8.82	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	6.26	-2.1	534.33	-5.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	64.89	57.05	40.6	24.5	28	23.03	16.24	10.99	7.7	8.19	4.99
High Price	- -	- -	- -	76.65	65.24	57.4	50.4	34.58	35	33.74	17.85	14.56	13.37	19.81
Enterprise Value Average	- -	2	15	52	61	71	73	64	61	53	26	38	-3	-4
Enterprise Value High	- -	2	15	59	76	82	84	72	81	70	33	46	8	19
Enterprise Value Low	- -	2	15	44	46	59	49	56	52	44	20	28	-8	-10

Shares Outstanding	- -	1	1	1	1	1	1	1	1	1	2	2	2	2
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	2	2	2	2
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	2	2	2	2
Revenue per Share	27.7	47.62	76.31	109.02	95.73	85.73	77.17	74.6	75.26	83.75	66.44	51.54	37.97	21.16
EBITDA per Share	0.56	0.31	-7.9	0.11	-7.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.56	0.31	-7.9	0.11	-7.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.58	0.38	-7.88	-0.62	-7.75	-19.17	-7.56	-6.17	0.43	-0.79	-6.99	-14.85	13.48	-10.56
Basic EPS from Cont Ops	0.58	0.31	-7.6	-0.02	-7.75	-19.17	-7.56	-6.17	0.43	-0.79	-6.99	-15.63	-19.61	-10.56
Diluted EPS, GAAP	0.58	0.38	-7.87	-0.62	-7.75	-19.17	-7.56	-6.17	0.43	-0.79	-6.99	-14.85	13.48	-10.56
Diluted EPS from Cont Ops	0.58	0.31	-7.59	-0.02	-7.75	-19.17	-7.56	-6.17	0.43	-0.79	-6.99	-15.63	-19.61	-10.56
Dividend per Share	- -	- -	0.21	0.5	- -	- -	- -	- -	- -	- -	- -	- -	0.25	- -
Cash Flow per Share	1.78	2.78	6.9	-4.09	5.67	8.09	-13.93	12.11	2.17	3.87	-26.5	-7.67	-18.72	-25.13
Free Cash Flow per Basic Share	1.71	2.47	6.42	-4.31	5.49	8.08	-14.01	12.06	2.11	3.87	-26.5	-7.67	-18.72	-25.13
Cash & Equivalents per Share	- -	22.53	38.58	24.89	125.37	142.21	114.83	133.92	126.19	131.96	107.48	87.99	88.46	80.4
Book Value per Share	- -	22.7	47.1	100.48	63.28	47.33	36.68	33.29	31.64	30.78	24.32	6.54	20.06	10.63
Tangible Book Value per Share	- -	20.69	45.86	100.71	62.29	47	34.54	33.68	32.3	29.25	12.41	-1.78	12.33	5.13

Presurance Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)