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Presurance Holdings (CNFR) investor relations material
Presurance Holdings Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Gross written premiums for Q3 2025 were $14.6M, down 2.9% year-over-year; personal lines grew 0.8% to $11.2M while commercial lines fell 13.3%.
Net loss from continuing operations was $4.0M ($0.32/share) for Q3 2025, improved from a $6.9M loss in Q3 2024.
Net loss allocable to common shareholders for Q3 2025 was $4.0M ($0.32/share), compared to net income of $52.8M ($4.32/share) in Q3 2024, which included discontinued operations.
Adjusted operating loss for Q3 2025 was $2.7M ($0.22/share), an improvement from $6.9M ($0.56/share) in Q3 2024.
The quarter was marked by a strategic shift to personal lines and runoff of legacy commercial lines, with an emphasis on data-driven underwriting.
Financial highlights
Net earned premiums for Q3 2025 were $6.8M, down 53.3% year-over-year due to a new quota share reinsurance agreement and runoff of commercial lines.
Net written premiums dropped 51.4% to $5.4M in Q3 2025.
Net investment income for Q3 2025 was $1.3M, down 6.5% year-over-year.
Underwriting loss for Q3 2025 was $2.9M, improved from $7.3M in Q3 2024.
Book value per share at September 30, 2025 was $2.07, down from $4.01 a year earlier.
Outlook and guidance
Management expects minimal commercial lines business going forward and limited growth in personal lines, with continued focus on quality over volume.
The company plans to continue writing Texas and Midwest homeowners programs but does not expect significant growth.
No dividends from insurance subsidiaries are anticipated in the near term.
Management believes current liquidity plans will allow obligations to be met over the next twelve months.
Forward-looking statements highlight expectations for improved premiums, earnings, and capital position, but caution on risks and uncertainties.
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Next Presurance Holdings earnings date
Q4 202527 Mar, 2026
Next Presurance Holdings earnings date
Q4 202527 Mar, 2026
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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.
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