PROASSURANCE CORP (PRA) Fundamental Analysis & Valuation

NYSE:PRA • US74267C1062

Current stock price

24.72 USD
-0.03 (-0.12%)
At close:
24.72 USD
0 (0%)
After Hours:

This PRA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PRA Profitability Analysis

1.1 Basic Checks

  • In the past year PRA was profitable.
  • 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 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 2025 0 100M -100M 200M

1.2 Ratios

  • PRA has a worse Return On Assets (0.93%) than 62.16% of its industry peers.
  • PRA's Return On Equity of 3.77% is on the low side compared to the rest of the industry. PRA is outperformed by 79.05% of its industry peers.
  • PRA has a worse Return On Invested Capital (1.30%) than 60.14% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PRA is significantly below the industry average of 9.34%.
  • The last Return On Invested Capital (1.30%) for PRA is above the 3 year average (0.84%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.93%
ROE 3.77%
ROIC 1.3%
ROA(3y)0.4%
ROA(5y)0.7%
ROE(3y)1.56%
ROE(5y)2.95%
ROIC(3y)0.84%
ROIC(5y)0.64%
PRA Yearly ROA, ROE, ROICPRA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • Looking at the Profit Margin, with a value of 4.64%, PRA is doing worse than 68.24% of the companies in the same industry.
  • With a Operating Margin value of 8.35%, PRA is not doing good in the industry: 70.95% of the companies in the same industry are doing better.
  • PRA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.35%
PM (TTM) 4.64%
GM N/A
OM growth 3Y101.39%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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 2025 0 10 -10 20

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1

2. PRA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PRA is destroying value.
  • PRA has more shares outstanding than it did 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.
PRA Yearly Shares OutstandingPRA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B

2.2 Solvency

  • PRA has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • PRA has a Debt to Equity ratio (0.31) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.17
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 2025 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 2025 5M 10M 15M 20M

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

3

3. PRA Growth Analysis

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.
  • PRA shows a decrease in Revenue. In the last year, the revenue decreased by -3.04%.
  • Measured over the past years, PRA shows a small growth in Revenue. The Revenue has been growing by 4.26% on average per year.
EPS 1Y (TTM)60.4%
EPS 3Y54.41%
EPS 5YN/A
EPS Q2Q%127.78%
Revenue 1Y (TTM)-3.04%
Revenue growth 3Y-0.28%
Revenue growth 5Y4.26%
Sales Q2Q%-2.96%

3.2 Future

  • The Earnings Per Share is expected to decrease by -16.44% on average over the next years. This is quite bad
  • PRA is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.06% yearly.
EPS Next Y-29.32%
EPS Next 2Y-16.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.24%
Revenue Next 2Y-1.06%
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.
  • The Revenue 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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1

4. PRA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 15.26, which indicates a correct valuation of PRA.
  • PRA's Price/Earnings ratio is a bit more expensive when compared to the industry. PRA is more expensive than 68.24% of the companies in the same industry.
  • PRA is valuated rather cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 21.59, the valuation of PRA can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PRA indicates a slightly more expensive valuation: PRA is more expensive than 78.38% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.51. PRA is around the same levels.
Industry RankSector Rank
PE 15.26
Fwd PE 21.59
PRA Price Earnings VS Forward Price EarningsPRA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PRA is valued a bit more expensive than the industry average as 65.54% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 15.74
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 -16.44% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.44%
EPS Next 3YN/A

More info and screens

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

3

5. PRA Dividend Analysis

5.1 Amount

  • PRA has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.
  • PRA's Dividend Yield is comparable with the industry average which is at 2.84.
  • Compared to an average S&P500 Dividend Yield of 1.90, PRA has a dividend comparable with the average S&P500 company.
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-16.44%
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 2025 0 100M -100M 200M 300M

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PRA Fundamentals: All Metrics, Ratios and Statistics

PROASSURANCE CORP

NYSE:PRA (3/26/2026, 8:04:00 PM)

After market: 24.72 0 (0%)

24.72

-0.03 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-23
Earnings (Next)05-04
Inst Owners97.97%
Inst Owner Change-0.63%
Ins Owners1.43%
Ins Owner Change4.97%
Market Cap1.27B
Revenue(TTM)1.10B
Net Income(TTM)50.91M
Analysts48.33
Price Target25.5 (3.16%)
Short Float %12.62%
Short Ratio10.96
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)88.5%
Min EPS beat(2)-43.9%
Max EPS beat(2)220.9%
EPS beat(4)2
Avg EPS beat(4)71.9%
Min EPS beat(4)-43.9%
Max EPS beat(4)220.9%
EPS beat(8)6
Avg EPS beat(8)86.02%
EPS beat(12)7
Avg EPS beat(12)19.81%
EPS beat(16)8
Avg EPS beat(16)11.22%
Revenue beat(2)0
Avg Revenue beat(2)-5.62%
Min Revenue beat(2)-6.09%
Max Revenue beat(2)-5.16%
Revenue beat(4)0
Avg Revenue beat(4)-4.22%
Min Revenue beat(4)-6.09%
Max Revenue beat(4)-1.53%
Revenue beat(8)0
Avg Revenue beat(8)-4.16%
Revenue beat(12)1
Avg Revenue beat(12)-4.35%
Revenue beat(16)3
Avg Revenue beat(16)-2.58%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)29.84%
EPS NQ rev (3m)29.84%
EPS NY rev (1m)3.03%
EPS NY rev (3m)10.49%
Revenue NQ rev (1m)-0.87%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)-2.46%
Revenue NY rev (3m)-2.46%
Valuation
Industry RankSector Rank
PE 15.26
Fwd PE 21.59
P/S 1.16
P/FCF N/A
P/OCF N/A
P/B 0.94
P/tB 0.98
EV/EBITDA 15.74
EPS(TTM)1.62
EY6.55%
EPS(NY)1.15
Fwd EY4.63%
FCF(TTM)-0.5
FCFYN/A
OCF(TTM)-0.5
OCFYN/A
SpS21.33
BVpS26.24
TBVpS25.19
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30.93
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 3.77%
ROCE 1.68%
ROIC 1.3%
ROICexc 1.31%
ROICexgc 1.46%
OM 8.35%
PM (TTM) 4.64%
GM N/A
FCFM N/A
ROA(3y)0.4%
ROA(5y)0.7%
ROE(3y)1.56%
ROE(5y)2.95%
ROIC(3y)0.84%
ROIC(5y)0.64%
ROICexc(3y)0.85%
ROICexc(5y)0.65%
ROICexgc(3y)0.96%
ROICexgc(5y)0.73%
ROCE(3y)1.09%
ROCE(5y)0.83%
ROICexgc growth 3Y101.73%
ROICexgc growth 5YN/A
ROICexc growth 3Y103.94%
ROICexc growth 5YN/A
OM growth 3Y101.39%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Debt/EBITDA 4
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.81
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/WACC0.17
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-29.32%
EPS Next 2Y-16.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.04%
Revenue growth 3Y-0.28%
Revenue growth 5Y4.26%
Sales Q2Q%-2.96%
Revenue Next Year-1.24%
Revenue Next 2Y-1.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y39.49%
EBIT growth 3Y100.84%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-139.1%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-139.1%
OCF growth 3YN/A
OCF growth 5YN/A

PROASSURANCE CORP / PRA Fundamental Analysis 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 decline by -29.32% 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%.