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Company Analysis

ProAssurance Corporation PRA

A comprehensive view of key metrics, scores, and financial health for ProAssurance Corporation

Overview of ProAssurance Corporation

PRA NYQ
Financial Services Insurance - Property & Casualty Small Cap
ProAssurance Corporation (PRA), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $24.76, about 5.4% undervalued vs fair value, +6.7% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth -2.7% ROE 4.0% Gross Margin 39.4% Div Yield 6.04%
$24.76
0.04%
As of April 28, 2026
Previous close • Vol 90d: 5.6%
52-Week Range
Market Cap
$1.27B
Enterprise Value
$1.68B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.proassurance.com
HQ Birmingham, AL
Employees 972
Fiscal year Dec 31

Next Events

Earnings May 6 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$26
$49
Current: $24.76 +5% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.1B
-2.7%%
Claims & Losses
$-665.4M
-23.9%%
Acquisition & Admin Expenses
$-5.4M
Underwriting Result
$72.1M
14.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
60.6%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$75.0M
147.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
0/3
Improving
0
High Impact
2
Critical
Locked Leak
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Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating ProAssurance Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
28
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
35
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing PRA's balance between Growth (28.2%), Profitability (13.5%), and Safety (58.3%). Growth 28% Safety 58% Profitability 13%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

24th percentile vs peers
24
Key Signals
EPS Growth YoY 2.41 80p Equity Growth YoY 8.1% 35p Revenue CAGR 3Y -0.1% 11p Rev Growth YoY -2.7% 4p Asset Growth YoY -2.3% 15p
Strengths
  • EPS Growth YoY in top 20% of peers (2.41, 80th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Rev Growth YoY in bottom 20% of peers (-2.7%)

Profitability

11th percentile vs peers
12
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for ProAssurance Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$26.09
- - -
+5.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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