---
title: "Presurance Holdings reports Q1 2026 net income $2.6M; EPS $0.15; combined ratio improves to 105.7%"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/286457668.md"
description: "Presurance Holdings reported a Q1 2026 net income of $2.6 million ($0.15 per share), up from $0.5 million in Q1 2025. Gross written premiums decreased to $11.5 million, while net earned premiums fell to $5.9 million due to the exit from legacy commercial lines. The overall combined ratio improved to 105.7%, with personal lines at 97.9%. The company continues to focus on personal lines, which now represent 100% of gross written premiums. Adjusted operating loss was $(2.83 million)."
datetime: "2026-05-14T19:33:01.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/286457668.md)
  - [en](https://longbridge.com/en/news/286457668.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/286457668.md)
---

# Presurance Holdings reports Q1 2026 net income $2.6M; EPS $0.15; combined ratio improves to 105.7%

Presurance Holdings reported first quarter 2026 net income of $2.6 million, or $0.15 per share, versus net income of $0.5 million in Q1 2025. Gross written premiums fell to $11.5 million and net earned premiums were $5.9 million as the company continued exiting legacy commercial lines. Underwriting performance strengthened materially, with an overall combined ratio improving to 105.7% and personal lines combined ratio improving to 97.9%.

**Financial Highlights**

-   Net income: $2,622,000 for the three months ended March 31, 2026 (earnings per share, basic and diluted: $0.15).
-   Gross written premiums: $11,469,000 in Q1 2026 (down 29.1% year-over-year).
-   Net earned premiums: $5,925,000 for Q1 2026 (down 42.6% year-over-year).
-   Net investment income: $1,110,000 for the quarter (down 13.9% from prior year).
-   Adjusted operating loss: $(2,830,000), or adjusted operating loss per diluted share of $(0.16).

**Business Highlights**

-   Strategic repositioning: Continued exit from legacy commercial lines, concentrating the underwriting portfolio on select personal lines homeowners business.
-   Personal lines mix: Personal lines represented 100% of gross written premium in Q1 2026, driven largely by Texas homeowners premium and select Midwestern states.
-   Underwriting improvement: Personal lines combined ratio improved to 97.9% (loss ratio 62.2%, expense ratio 35.7%) reflecting higher-quality risk selection.
-   Runoff progress: Commercial lines runoff ongoing; commercial lines represented 0% of total gross written premium in Q1 2026, reducing historical business concentration and associated volatility.
-   Balance sheet/operational items: Receivable from contingent considerations increased to $8.78 million as of March 31, 2026, reflecting ongoing contingent consideration activity related to prior transactions.

Original SEC Filing: Presurance Holdings, Inc. \[ PRHI \] - 8-K - May. 14, 2026

**Disclaimer**

This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.

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