PROASSURANCE CORP (PRA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PRA - US74267C1062 - Common Stock
24.2 USD
+0.03 (+0.12%)
24.2 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to PRA. PRA was compared to 149 industry peers in the Insurance industry. Both the profitability and financial health of PRA have multiple concerns. PRA is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- PRA had positive earnings in the past year.
- In the past year PRA has reported a negative cash flow from operations.
- In multiple years PRA reported negative net income over the last 5 years.
- In multiple years PRA reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a Return On Assets value of 0.61%, PRA is not doing good in the industry: 67.79% of the companies in the same industry are doing better.
- With a Return On Equity value of 2.58%, PRA is not doing good in the industry: 78.52% of the companies in the same industry are doing better.
- The Return On Invested Capital of PRA (0.76%) is worse than 63.09% 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 14.92%.
- The last Return On Invested Capital (0.76%) for PRA is above the 3 year average (0.50%), which is a sign of increasing profitability.
| Industry Rank | Sector 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
1.3 Margins
- The Profit Margin of PRA (3.05%) is worse than 74.50% of its industry peers.
- In the last couple of years the Profit Margin of PRA has grown nicely.
- With a Operating Margin value of 4.56%, PRA is not doing good in the industry: 80.54% of the companies in the same industry are doing better.
- PRA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRA is destroying value.
- The number of shares outstanding for PRA has been increased compared to 1 year ago.
- Compared to 5 years ago, PRA has less shares outstanding
- PRA has a worse debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 0.32 indicates that PRA is not too dependend on debt financing.
- PRA has a Debt to Equity ratio (0.32) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.1
WACC7.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 93.33% over the past year.
- Measured over the past years, PRA shows a very strong growth in Earnings Per Share. The EPS has been growing by 119.92% on average per year.
- The Revenue has decreased by -3.68% in the past year.
- The Revenue has been growing slightly by 2.27% on average over the past years.
EPS 1Y (TTM)93.33%
EPS 3Y-10.31%
EPS 5Y119.92%
EPS Q2Q%-55.88%
Revenue 1Y (TTM)-3.68%
Revenue growth 3Y1.68%
Revenue growth 5Y2.27%
Sales Q2Q%-5.68%
3.2 Future
- PRA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.53% yearly.
- Based on estimates for the next years, PRA will show a decrease in Revenue. The Revenue will decrease by -1.01% on average per year.
EPS Next Y4.6%
EPS Next 2Y1.29%
EPS Next 3Y1.53%
EPS Next 5YN/A
Revenue Next Year-1.79%
Revenue Next 2Y-0.28%
Revenue Next 3Y-1.01%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 20.86, which indicates a rather expensive current valuation of PRA.
- PRA's Price/Earnings ratio is a bit more expensive when compared to the industry. PRA is more expensive than 69.80% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, PRA is valued a bit cheaper.
- PRA is valuated rather expensively with a Price/Forward Earnings ratio of 23.35.
- PRA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PRA is more expensive than 74.50% of the companies in the same industry.
- PRA is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.86 | ||
| Fwd PE | 23.35 |
4.2 Price Multiples
- PRA's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. PRA is more expensive than 69.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 24.74 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.54
PEG (5Y)0.17
EPS Next 2Y1.29%
EPS Next 3Y1.53%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.55%, PRA has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.53, PRA has a dividend in line with its industry peers.
- PRA's Dividend Yield is comparable with the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
5.2 History
- PRA has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y1.29%
EPS Next 3Y1.53%
24.2
+0.03 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners98.66%
Inst Owner Change0.01%
Ins Owners1.28%
Ins Owner Change0%
Market Cap1.24B
Revenue(TTM)1.10B
Net Income(TTM)33.71M
Analysts48.33
Price Target25.5 (5.37%)
Short Float %11.1%
Short Ratio13.56
Dividend
| Industry Rank | Sector 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)10.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.79%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.86 | ||
| Fwd PE | 23.35 | ||
| P/S | 1.13 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.95 | ||
| P/tB | 1 | ||
| EV/EBITDA | 24.74 |
EPS(TTM)1.16
EY4.79%
EPS(NY)1.04
Fwd EY4.28%
FCF(TTM)-0.25
FCFYN/A
OCF(TTM)-0.25
OCFYN/A
SpS21.47
BVpS25.37
TBVpS24.29
PEG (NY)4.54
PEG (5Y)0.17
Graham Number25.73
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.83%
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)93.33%
EPS 3Y-10.31%
EPS 5Y119.92%
EPS Q2Q%-55.88%
EPS Next Y4.6%
EPS Next 2Y1.29%
EPS Next 3Y1.53%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.68%
Revenue growth 3Y1.68%
Revenue growth 5Y2.27%
Sales Q2Q%-5.68%
Revenue Next Year-1.79%
Revenue Next 2Y-0.28%
Revenue Next 3Y-1.01%
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 1 / 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 grow by 4.6% 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%.