PROASSURANCE CORP (PRA) Stock Fundamental Analysis

NYSE:PRA • US74267C1062

24.57 USD
+0.1 (+0.41%)
At close: Feb 25, 2026
24.57 USD
0 (0%)
After Hours: 2/25/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall PRA gets a fundamental rating of 2 out of 10. We evaluated PRA against 150 industry peers in the Insurance industry. PRA has a bad profitability rating. Also its financial health evaluation is rather negative. PRA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • PRA had positive earnings in the past year.
  • PRA had a negative operating cash flow in the past year.
  • 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 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.
  • The Return On Equity of PRA (2.58%) is worse than 76.67% of its industry peers.
  • 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.
  • The Average Return On Invested Capital over the past 3 years for PRA 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 worse Profit Margin (3.05%) than 72.67% 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: 79.33% 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 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRA is destroying value.
  • PRA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • A Debt/Equity ratio of 0.32 indicates that PRA is not too dependend on debt financing.
  • 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
WACC7.65%
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

  • The Earnings Per Share has grown by an impressive 60.40% 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 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

  • PRA is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -17.38% yearly.
  • The Revenue is expected to decrease by -0.62% on average over the next years.
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

1

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.17, the valuation of PRA can be described as correct.
  • PRA's Price/Earnings ratio is a bit more expensive when compared to the industry. PRA is more expensive than 60.00% of the companies in the same industry.
  • PRA is valuated rather cheaply when we compare the Price/Earnings ratio to 27.05, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 22.11 indicates a rather expensive valuation of PRA.
  • 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 74.00% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PRA to the average of the S&P500 Index (28.03), we can say PRA is valued slightly cheaper.
Industry RankSector Rank
PE 15.17
Fwd PE 22.11
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

  • Based on the Enterprise Value to EBITDA ratio, PRA is valued a bit more expensive than the industry average as 62.67% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 24.95
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.
  • Compared to an average industry Dividend Yield of 2.63, PRA has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, PRA has a dividend comparable with the average S&P500 company.
Industry RankSector 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
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 (2/25/2026, 8:04:00 PM)

After market: 24.57 0 (0%)

24.57

+0.1 (+0.41%)

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 (3.79%)
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 15.17
Fwd PE 22.11
P/S 1.14
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.01
EV/EBITDA 24.95
EPS(TTM)1.62
EY6.59%
EPS(NY)1.11
Fwd EY4.52%
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
WACC7.65%
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 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 -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%.