Revenue: As of FY2026 Q1, the actual value is USD 11.55 M.

EPS: As of FY2026 Q1, the actual value is USD 0.15.

EBIT: As of FY2026 Q1, the actual value is USD 6.536 M.

First Quarter 2026 Financial Highlights

• Net Income: Presurance Holdings, Inc. reported net income of $2.6 million for the first quarter of 2026, compared to net income of $522,000 in the prior year period .
• Personal Lines Combined Ratio: The combined ratio in personal lines improved to 97.9% in the first quarter of 2026, compared to 140.9% in the first quarter of 2025 .
• Overall Loss Ratio: The overall loss ratio significantly improved to 56.2%, compared to 89.7% in the prior year period .

2026 First Quarter Financial Results Overview (Three Months Ended March 31)

• Gross Written Premiums: $11,469 thousand in 2026, a -29.1% change from $16,173 thousand in 2025 .
• Net Written Premiums: $6,075 thousand in 2026, a -44.0% change from $10,840 thousand in 2025 .
• Net Earned Premiums: $5,925 thousand in 2026, a -42.6% change from $10,315 thousand in 2025 .
• Net Investment Income: $1,110 thousand in 2026, a -13.9% change from $1,289 thousand in 2025 .
• Net Realized Investment Gains (Losses): - $14 thousand in 2026, compared to $3 thousand in 2025 .
• Change in Fair Value of Equity Securities: $30 thousand in 2026, compared to - $192 thousand in 2025 .
• Net Income (Loss): $2,622 thousand in 2026, compared to $522 thousand in 2025 .
• Adjusted Operating Income (Loss): - $2,830 thousand in 2026, compared to - $3,684 thousand in 2025 .
• Book Value Per Common Share Outstanding: $0.96 as of March 31, 2026, compared to $2.09 as of March 31, 2025 .
• Weighted Average Shares Outstanding (Basic and Diluted): 17,200,659 in 2026, compared to 12,222,881 in 2025 .
• Underwriting Ratios:
  • Loss Ratio: 56.2% in 2026, compared to 89.7% in 2025 .
  • Expense Ratio: 49.5% in 2026, compared to 50.8% in 2025 .
  • Combined Ratio: 105.7% in 2026, compared to 140.5% in 2025 .

Personal Lines Financial Review (Three Months Ended March 31)

• Gross Written Premiums: $11,487 thousand in 2026, a -18.7% change from $14,126 thousand in 2025 .
• Net Written Premiums: $6,091 thousand in 2026, a -51.1% change from $12,444 thousand in 2025 .
• Net Earned Premiums: $5,792 thousand in 2026, a -35.5% change from $8,984 thousand in 2025 .
• Underwriting Ratios:
  • Loss Ratio: 62.2% in 2026, compared to 86.3% in 2025 .
  • Expense Ratio: 35.7% in 2026, compared to 54.6% in 2025 .
  • Combined Ratio: 97.9% in 2026, compared to 140.9% in 2025 .
  • Contribution to combined ratio from net (favorable) adverse prior year development: 2.1% in 2026, compared to 8.6% in 2025 .
  • Accident Year Combined Ratio: 95.8% in 2026, compared to 132.3% in 2025 .
  • Personal lines premium represented 100% of total gross written premium for Q1 2026 .

Commercial Lines Financial Review (Three Months Ended March 31)

• Gross Written Premiums: - $18 thousand in 2026, compared to $2,047 thousand in 2025 .
• Net Written Premiums: - $16 thousand in 2026, compared to - $1,604 thousand in 2025 .
• Net Earned Premiums: $133 thousand in 2026, compared to $1,331 thousand in 2025 .
• Underwriting Ratios (2025):
  • Loss Ratio: 113.1% in 2025 .
  • Expense Ratio: 25.3% in 2025 .
  • Combined Ratio: 138.4% in 2025 .
  • Contribution to combined ratio from net (favorable) adverse prior year development: -46.6% in 2025 .
  • Accident Year Combined Ratio: 185.0% in 2025 .
  • Commercial lines represented 0% of total gross written premium in Q1 2026 .

Overall Combined Ratio Analysis (Three Months Ended March 31)

• Loss Ratio: 56.2% in 2026, compared to 89.7% in 2025 .
• Expense Ratio: 49.5% in 2026, compared to 50.8% in 2025 .
• Combined Ratio: 105.7% in 2026, compared to 140.5% in 2025 .
• Contribution to combined ratio from net (favorable) adverse prior year development: -3.0% in 2026, compared to 1.4% in 2025 .
• Accident Year Combined Ratio: 108.7% in 2026, compared to 139.1% in 2025 .

Condensed Consolidated Balance Sheets (dollars in thousands)

• Total Investments: $114,066 as of March 31, 2026, compared to $114,307 as of December 31, 2025 .
• Cash and Cash Equivalents: $25,469 as of March 31, 2026, compared to $27,362 as of December 31, 2025 .
• Total Assets: $236,610 as of March 31, 2026, compared to $239,283 as of December 31, 2025 .
• Total Liabilities: $211,420 as of March 31, 2026, compared to $230,317 as of December 31, 2025 .
• Total Shareholders’ Equity: $25,190 as of March 31, 2026, compared to $8,966 as of December 31, 2025 .

Condensed Consolidated Statements of Operations (Three Months Ended March 31, dollars in thousands)

• Gross Earned Premiums: $13,714 in 2026, compared to $16,118 in 2025 .
• Ceded Earned Premiums: - $7,789 in 2026, compared to - $5,803 in 2025 .
• Net Earned Premiums: $5,925 in 2026, compared to $10,315 in 2025 .
• Net Investment Income: $1,110 in 2026, compared to $1,289 in 2025 .
• Net Realized Investment Gains (Losses): - $14 in 2026, compared to $3 in 2025 .
• Change in Fair Value of Equity Securities: $30 in 2026, compared to - $192 in 2025 .
• Other Income: $6 in 2026, compared to $65 in 2025 .
• Change in Fair Value of Contingent Considerations: $4,490 in 2026, compared to $4,395 in 2025 .
• Total Revenue and Other Income: $11,547 in 2026, compared to $15,875 in 2025 .
• Losses and Loss Adjustment Expenses, Net: $3,329 in 2026, compared to $9,274 in 2025 .
• Policy Acquisition Costs: $1,558 in 2026, compared to $2,677 in 2025 .
• Operating and Other Expenses: $2,100 in 2026, compared to $2,861 in 2025 .
• Interest Expense: $1,976 in 2026, compared to $541 in 2025 .
• Total Expenses: $8,963 in 2026, compared to $15,353 in 2025 .
• Income (Loss) Before Income Taxes: $2,584 in 2026, compared to $522 in 2025 .
• Income Tax Expense (Benefit): - $38 in 2026, compared to $0 in 2025 .
• Net Income (Loss): $2,622 in 2026, compared to $522 in 2025 .

Outlook / Guidance

Presurance Holdings, Inc. is focused on building a profitable operating platform by prioritizing quality of earnings over scale and concentrating on business that offers more attractive risk-adjusted returns . The company’s underwriting portfolio is now focused on select personal lines homeowners’ business aligned with its long-term objectives and risk appetite . Gross written premiums declined as expected due to the exit from commercial lines business, but the profitability of the remaining portfolio significantly improved .