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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Presurance Holdings
Presurance Holdings (CNFR) investor relations material
Presurance Holdings Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary12 Nov, 2026
Executive summary
Q3 net loss narrowed to $1.6m from $4.0m YoY; 9M net income was $3.5m versus a $1.4m loss, including a $5.7m contingent-consideration fair-value gain.
9M overall combined ratio improved to 97.1% from 133.7%; core Personal Lines remained profitable as legacy Commercial Lines runoff and reserve strengthening weighed on results.
Financial highlights
Q3 total revenue and other income was $9.6m vs. $6.7m YoY; 9M was $30.3m vs. $38.7m.
Q3 net earned premiums rose 23.7% to $8.4m; 9M declined 20.7% to $21.2m.
Adjusted operating loss was $1.6m, or $0.42/share, in Q3 and $1.2m, or $0.36/share, for 9M, versus $8.5m, or $4.85/share, in 9M 2025.
9M cash used in operating activities was $27.7m; quarter-end cash and equivalents were $14.4m, with $29.9m in short-term investments.
Outlook and guidance
Personal Lines will consist exclusively of Texas homeowners policies following the decision to non-renew Midwest homeowners business.
Priorities include disciplined risk selection, profitable Personal Lines operations, prudent growth in Texas homeowners, and management of legacy obligations and reserves.
Management expects to meet obligations over the next 12 months, supported by the final $10.0m CIS Sale earnout and anticipated TIC revenue.
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Latest events from Presurance Holdings
- Net income doubled and combined ratio improved as focus shifted to profitable personal lines.CNFR
Q2 2026 - Net income rose to $2.6M as premiums fell and the combined ratio improved to 105.7%.CNFRQ1 2026
- Shareholders will vote on two director nominees and auditor ratification, highlighting strong governance.CNFRProxy filing
- Personal lines now comprise all premiums as commercial lines exit drives Q4 net loss of $17M.CNFRQ4 2025
- Rights offering aims to raise $14M for preferred stock redemption, with Clarkston as backstop.CNFRRegistration Filing
- Rights offering seeks $14M to redeem debt, with insider backstop and dilution risk for non-participants.CNFRRegistration Filing
- Annual meeting covers director election, name change, reverse split, warrants, and compensation.CNFRProxy Filing
- Key votes include director election, name change, reverse split, and warrant share issuance.CNFRProxy Filing
- MGA shift cut premiums 57.5%, boosted commissions to $8.8M, and narrowed net loss to $4.0M.CNFRQ2 2024
Next Presurance Holdings earnings date
Q4 202625 Mar, 2027
Presurance Holdings
Next Presurance Holdings earnings date
Q4 202625 Mar, 2027
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Frequently asked questions
Conifer Holdings Inc. is an insurance company that specializes in providing tailored insurance solutions to niche markets. The company offers a range of property and casualty insurance products, including coverage for commercial, personal, and specialty risks. Conifer focuses on underserved segments, such as hospitality, small businesses, and homeowners in high-risk areas, providing customized policies to meet specific client needs. The company is headquartered in Troy, Michigan, and its shares are listed on the NASDAQ.