PROASSURANCE CORP (PRA) Stock Fundamental Analysis

NYSE:PRA • US74267C1062

24.55 USD
-0.01 (-0.04%)
At close: Feb 27, 2026
24.55 USD
0 (0%)
After Hours: 2/27/2026, 8:27:29 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, PRA scores 2 out of 10 in our fundamental rating. PRA was compared to 150 industry peers in the Insurance industry. PRA may be in some trouble as it scores bad on both profitability and health. PRA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year PRA was profitable.
  • In the past year PRA has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PRA reported negative net income in multiple years.
  • In the past 5 years PRA reported 4 times negative operating cash flow.
PRA Yearly Net Income VS EBIT VS OCF VS FCFPRA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

  • PRA has a Return On Assets of 0.61%. This is in the lower half of the industry: PRA underperforms 66.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 2.58%, PRA is doing worse than 76.67% of the companies in the same industry.
  • PRA's Return On Invested Capital of 0.76% is on the low side compared to the rest of the industry. PRA is outperformed by 61.33% of its industry peers.
  • PRA had an Average Return On Invested Capital over the past 3 years of 0.50%. This is significantly below the industry average of 15.13%.
  • The 3 year average ROIC (0.50%) for PRA is below the current ROIC(0.76%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.61%
ROE 2.58%
ROIC 0.76%
ROA(3y)0.08%
ROA(5y)-0.24%
ROE(3y)0.29%
ROE(5y)-0.41%
ROIC(3y)0.5%
ROIC(5y)N/A
PRA Yearly ROA, ROE, ROICPRA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • PRA has a Profit Margin of 3.05%. This is in the lower half of the industry: PRA underperforms 72.67% of its industry peers.
  • In the last couple of years the Profit Margin of PRA has grown nicely.
  • Looking at the Operating Margin, with a value of 4.56%, PRA is doing worse than 79.33% of the companies in the same industry.
  • PRA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 4.56%
PM (TTM) 3.05%
GM N/A
OM growth 3Y13.27%
OM growth 5Y78.9%
PM growth 3Y-29.65%
PM growth 5Y116.12%
GM growth 3YN/A
GM growth 5YN/A
PRA Yearly Profit, Operating, Gross MarginsPRA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRA is destroying value.
  • There is no outstanding debt for PRA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PRA Yearly Shares OutstandingPRA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
PRA Yearly Total Debt VS Total AssetsPRA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • PRA has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
  • PRA's Debt to Equity ratio of 0.32 is in line compared to the rest of the industry. PRA outperforms 50.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.1
WACC7.6%
PRA Yearly LT Debt VS Equity VS FCFPRA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PRA Yearly Current Assets VS Current LiabilitesPRA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • PRA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.40%, which is quite impressive.
  • Measured over the past years, PRA shows a very strong growth in Earnings Per Share. The EPS has been growing by 54.41% on average per year.
EPS 1Y (TTM)60.4%
EPS 3Y54.41%
EPS 5YN/A
EPS Q2Q%127.78%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%30.76%

3.2 Future

  • Based on estimates for the next years, PRA will show a very negative growth in Earnings Per Share. The EPS will decrease by -17.38% on average per year.
  • PRA is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.62% yearly.
EPS Next Y-31.4%
EPS Next 2Y-17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.24%
Revenue Next 2Y-0.62%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
PRA Yearly Revenue VS EstimatesPRA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
PRA Yearly EPS VS EstimatesPRA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 -1 2

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.15 indicates a correct valuation of PRA.
  • PRA's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of PRA to the average of the S&P500 Index (27.10), we can say PRA is valued slightly cheaper.
  • PRA is valuated rather expensively with a Price/Forward Earnings ratio of 22.09.
  • Based on the Price/Forward Earnings ratio, PRA is valued a bit more expensive than the industry average as 74.00% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of PRA to the average of the S&P500 Index (28.06), we can say PRA is valued slightly cheaper.
Industry RankSector Rank
PE 15.15
Fwd PE 22.09
PRA Price Earnings VS Forward Price EarningsPRA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PRA indicates a slightly more expensive valuation: PRA is more expensive than 62.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 25.02
PRA Per share dataPRA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

  • A cheap valuation may be justified as PRA's earnings are expected to decrease with -17.38% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-17.38%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.55%, PRA has a reasonable but not impressive dividend return.
  • PRA's Dividend Yield is comparable with the industry average which is at 2.53.
  • PRA's Dividend Yield is comparable with the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 1.55%

5.2 History

  • PRA has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
PRA Yearly Dividends per sharePRA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.5 1 1.5

5.3 Sustainability

DP0%
EPS Next 2Y-17.38%
EPS Next 3YN/A
PRA Yearly Income VS Free CF VS DividendPRA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M 300M

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Find the best dividend stocksShow peers with best dividend

PROASSURANCE CORP

NYSE:PRA (2/27/2026, 8:27:29 PM)

After market: 24.55 0 (0%)

24.55

-0.01 (-0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)05-04
Inst Owners98.66%
Inst Owner Change-0.73%
Ins Owners1.28%
Ins Owner Change0%
Market Cap1.26B
Revenue(TTM)N/A
Net Income(TTM)33.71M
Analysts48.33
Price Target25.5 (3.87%)
Short Float %11.73%
Short Ratio12.07
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)50.63%
Min EPS beat(2)-43.9%
Max EPS beat(2)145.17%
EPS beat(4)2
Avg EPS beat(4)44.4%
Min EPS beat(4)-43.9%
Max EPS beat(4)145.17%
EPS beat(8)5
Avg EPS beat(8)34.89%
EPS beat(12)6
Avg EPS beat(12)-3.27%
EPS beat(16)8
Avg EPS beat(16)14.28%
Revenue beat(2)0
Avg Revenue beat(2)-5.09%
Min Revenue beat(2)-6.09%
Max Revenue beat(2)-4.09%
Revenue beat(4)0
Avg Revenue beat(4)-3.42%
Min Revenue beat(4)-6.09%
Max Revenue beat(4)-1.53%
Revenue beat(8)0
Avg Revenue beat(8)-4.92%
Revenue beat(12)2
Avg Revenue beat(12)-1.35%
Revenue beat(16)4
Avg Revenue beat(16)-0.91%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)5.53%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.47%
EPS NY rev (3m)-9.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.38%
Valuation
Industry RankSector Rank
PE 15.15
Fwd PE 22.09
P/S 1.14
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.01
EV/EBITDA 25.02
EPS(TTM)1.62
EY6.6%
EPS(NY)1.11
Fwd EY4.53%
FCF(TTM)-0.25
FCFYN/A
OCF(TTM)-0.25
OCFYN/A
SpS21.47
BVpS25.37
TBVpS24.29
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.41
Profitability
Industry RankSector Rank
ROA 0.61%
ROE 2.58%
ROCE 0.91%
ROIC 0.76%
ROICexc 0.77%
ROICexgc 0.86%
OM 4.56%
PM (TTM) 3.05%
GM N/A
FCFM N/A
ROA(3y)0.08%
ROA(5y)-0.24%
ROE(3y)0.29%
ROE(5y)-0.41%
ROIC(3y)0.5%
ROIC(5y)N/A
ROICexc(3y)0.51%
ROICexc(5y)N/A
ROICexgc(3y)0.58%
ROICexgc(5y)N/A
ROCE(3y)0.6%
ROCE(5y)N/A
ROICexgc growth 3Y18.48%
ROICexgc growth 5Y73.91%
ROICexc growth 3Y18.73%
ROICexc growth 5Y76.59%
OM growth 3Y13.27%
OM growth 5Y78.9%
PM growth 3Y-29.65%
PM growth 5Y116.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Debt/EBITDA 6.47
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC7.6%
ROIC/WACC0.1
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)60.4%
EPS 3Y54.41%
EPS 5YN/A
EPS Q2Q%127.78%
EPS Next Y-31.4%
EPS Next 2Y-17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%30.76%
Revenue Next Year1.24%
Revenue Next 2Y-0.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-23.56%
EBIT growth 3Y15.18%
EBIT growth 5Y82.96%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y84.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y84.71%
OCF growth 3YN/A
OCF growth 5YN/A

PROASSURANCE CORP / PRA FAQ

What is the ChartMill fundamental rating of PROASSURANCE CORP (PRA) stock?

ChartMill assigns a fundamental rating of 2 / 10 to PRA.


What is the valuation status of PROASSURANCE CORP (PRA) stock?

ChartMill assigns a valuation rating of 2 / 10 to PROASSURANCE CORP (PRA). This can be considered as Overvalued.


What is the profitability of PRA stock?

PROASSURANCE CORP (PRA) has a profitability rating of 2 / 10.


What is the earnings growth outlook for PROASSURANCE CORP?

The Earnings per Share (EPS) of PROASSURANCE CORP (PRA) is expected to decline by -31.4% in the next year.


Can you provide the dividend sustainability for PRA stock?

The dividend rating of PROASSURANCE CORP (PRA) is 3 / 10 and the dividend payout ratio is 0%.