PROASSURANCE CORP (PRA) Stock Fundamental Analysis
USA - NYSE:PRA - US74267C1062 - Common Stock
24.005 USD
+0 (+0.02%)
PRA gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 145 industry peers in the Insurance industry. Both the profitability and financial health of PRA have multiple concerns. PRA is quite expensive at the moment. It does show a decent growth rate.
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.
The reported net income has been mixed in the past 5 years: PRA reported negative net income in multiple years.
In multiple years PRA reported negative operating cash flow during the last 5 years.
1.2 Ratios
PRA has a worse Return On Assets (0.89%) than 62.07% of its industry peers.
PRA's Return On Equity of 3.82% is on the low side compared to the rest of the industry. PRA is outperformed by 79.31% of its industry peers.
PRA's Return On Invested Capital of 1.04% is on the low side compared to the rest of the industry. PRA is outperformed by 60.69% of its industry peers.
PRA had an Average Return On Invested Capital over the past 3 years of 0.50%. This is below the industry average of 4.40%.
The last Return On Invested Capital (1.04%) for PRA is above the 3 year average (0.50%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 3.82% | ||
| ROIC | 1.04% |
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
With a Profit Margin value of 4.39%, PRA is not doing good in the industry: 66.21% of the companies in the same industry are doing better.
PRA's Profit Margin has improved in the last couple of years.
PRA's Operating Margin of 6.11% is on the low side compared to the rest of the industry. PRA is outperformed by 73.10% of its industry peers.
PRA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.11% | ||
| PM (TTM) | 4.39% | ||
| 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.
The number of shares outstanding for PRA has been reduced compared to 5 years ago.
The debt/assets ratio for PRA is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 0.33 indicates that PRA is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.33, PRA perfoms like the industry average, outperforming 42.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACC0.14
WACC7.63%
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 610.53% 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.
PRA shows a decrease in Revenue. In the last year, the revenue decreased by -2.62%.
Measured over the past years, PRA shows a small growth in Revenue. The Revenue has been growing by 2.27% on average per year.
EPS 1Y (TTM)610.53%
EPS 3Y-10.31%
EPS 5Y119.92%
EPS Q2Q%126.09%
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y1.68%
Revenue growth 5Y2.27%
Sales Q2Q%-3.12%
3.2 Future
The Earnings Per Share is expected to grow by 10.52% on average over the next years. This is quite good.
Based on estimates for the next years, PRA will show a decrease in Revenue. The Revenue will decrease by -0.50% on average per year.
EPS Next Y17.8%
EPS Next 2Y4.24%
EPS Next 3Y10.52%
EPS Next 5YN/A
Revenue Next Year-0.56%
Revenue Next 2Y-0.47%
Revenue Next 3Y-0.5%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 17.78, PRA is valued on the expensive side.
65.52% of the companies in the same industry are cheaper than PRA, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.53. PRA is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 21.88, PRA is valued on the expensive side.
Based on the Price/Forward Earnings ratio, PRA is valued a bit more expensive than 74.48% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.04, PRA is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.78 | ||
| Fwd PE | 21.88 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PRA is valued a bit more expensive than the industry average as 66.21% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 19.42 |
4.3 Compensation for Growth
PRA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)1
PEG (5Y)0.15
EPS Next 2Y4.24%
EPS Next 3Y10.52%
5. Dividend
5.1 Amount
PRA has a Yearly Dividend Yield of 1.55%.
Compared to an average industry Dividend Yield of 3.54, PRA has a dividend in line with its industry peers.
PRA's Dividend Yield is slightly below the S&P500 average, which is at 2.40.
| Industry Rank | Sector 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
5.3 Sustainability
DP0%
EPS Next 2Y4.24%
EPS Next 3Y10.52%
NYSE:PRA (10/16/2025, 1:34:53 PM)
24.005
+0 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners91.14%
Inst Owner Change-0.01%
Ins Owners1.28%
Ins Owner Change3.77%
Market Cap1.23B
Analysts48.33
Price Target23.12 (-3.69%)
Short Float %11.58%
Short Ratio12.77
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)55.31%
Min EPS beat(2)-34.55%
Max EPS beat(2)145.17%
EPS beat(4)3
Avg EPS beat(4)89.79%
Min EPS beat(4)-34.55%
Max EPS beat(4)145.17%
EPS beat(8)5
Avg EPS beat(8)22.31%
EPS beat(12)6
Avg EPS beat(12)-10.39%
EPS beat(16)9
Avg EPS beat(16)20.44%
Revenue beat(2)0
Avg Revenue beat(2)-2.81%
Min Revenue beat(2)-4.09%
Max Revenue beat(2)-1.53%
Revenue beat(4)0
Avg Revenue beat(4)-2.8%
Min Revenue beat(4)-4.09%
Max Revenue beat(4)-1.53%
Revenue beat(8)1
Avg Revenue beat(8)-3.93%
Revenue beat(12)2
Avg Revenue beat(12)-1.67%
Revenue beat(16)4
Avg Revenue beat(16)-1.12%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)1.13%
EPS NQ rev (3m)-4.59%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)35.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.78 | ||
| Fwd PE | 21.88 | ||
| P/S | 1.11 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.97 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | 19.42 |
EPS(TTM)1.35
EY5.62%
EPS(NY)1.1
Fwd EY4.57%
FCF(TTM)-0.5
FCFYN/A
OCF(TTM)-0.5
OCFYN/A
SpS21.58
BVpS24.81
TBVpS23.7
PEG (NY)1
PEG (5Y)0.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 3.82% | ||
| ROCE | 1.24% | ||
| ROIC | 1.04% | ||
| ROICexc | 1.04% | ||
| ROICexgc | 1.17% | ||
| OM | 6.11% | ||
| PM (TTM) | 4.39% | ||
| 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
ROICexcg growth 3Y18.48%
ROICexcg 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-Score4
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.33 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 5.08 | ||
| 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-Score4
WACC7.63%
ROIC/WACC0.14
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)610.53%
EPS 3Y-10.31%
EPS 5Y119.92%
EPS Q2Q%126.09%
EPS Next Y17.8%
EPS Next 2Y4.24%
EPS Next 3Y10.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y1.68%
Revenue growth 5Y2.27%
Sales Q2Q%-3.12%
Revenue Next Year-0.56%
Revenue Next 2Y-0.47%
Revenue Next 3Y-0.5%
Revenue Next 5YN/A
EBIT growth 1Y79.29%
EBIT growth 3Y15.18%
EBIT growth 5Y82.96%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y70.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y70.58%
OCF growth 3YN/A
OCF growth 5YN/A