PROASSURANCE CORP(NYSE:PRA) stock Fundamental Analysis

Fundamental Rating

Overall PRA gets a fundamental rating of 2 out of 10. We evaluated PRA against 144 industry peers in the Insurance industry. Both the profitability and financial health of PRA have multiple concerns. PRA has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year PRA was profitable.

PRA had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: PRA reported negative net income in multiple years.

The reported operating cash flow has been mixed in the past 5 years: PRA reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.75%, PRA is doing worse than 62.68% of the companies in the same industry.

Looking at the Return On Equity, with a value of 3.49%, PRA is doing worse than 71.83% of the companies in the same industry.

PRA has a Return On Invested Capital of 0.91%. This is comparable to the rest of the industry: PRA outperforms 40.14% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for PRA is below the industry average of 4.55%.

The last Return On Invested Capital (0.91%) for PRA is above the 3 year average (0.35%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	0.75%
ROE	3.49%
ROIC	0.91%

ROA(3y)0.55%

ROA(5y)-0.42%

ROE(3y)2.19%

ROE(5y)-1.27%

ROIC(3y)0.35%

ROIC(5y)N/A

1.3 Margins

PRA's Profit Margin of 3.75% is on the low side compared to the rest of the industry. PRA is outperformed by 65.49% of its industry peers.

The Operating Margin of PRA (5.75%) is worse than 62.68% of its industry peers.

In the last couple of years the Operating Margin of PRA has declined.

		Industry Rank	Sector Rank
OM	5.75%
PM (TTM)	3.75%
GM	N/A

OM growth 3YN/A

OM growth 5Y-16.21%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PRA is destroying value.

The number of shares outstanding for PRA has been reduced compared to 1 year ago.

PRA has less shares outstanding than it did 5 years ago.

PRA has a worse debt/assets ratio than last year.

2.2 Solvency

PRA has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.

PRA has a Debt to Equity ratio of 0.35. This is comparable to the rest of the industry: PRA outperforms 44.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.35
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACC0.12

WACC7.37%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for PRA have decreased strongly by -125.00% in the last year.

PRA shows a small growth in Revenue. In the last year, the Revenue has grown by 0.96%.

PRA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.25% yearly.

EPS 1Y (TTM)-125%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%585.71%

Revenue 1Y (TTM)0.96%

Revenue growth 3Y8.46%

Revenue growth 5Y5.25%

Sales Q2Q%-3.7%

3.2 Future

The Earnings Per Share is expected to grow by 124.38% on average over the next years. This is a very strong growth

The Revenue is expected to decrease by -2.00% on average over the next years.

EPS Next Y851.07%

EPS Next 2Y216.84%

EPS Next 3Y124.38%

EPS Next 5YN/A

Revenue Next Year-5%

Revenue Next 2Y-2.26%

Revenue Next 3Y-2%

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 23.52 indicates a rather expensive valuation of PRA.

PRA's Price/Earnings ratio is a bit more expensive when compared to the industry. PRA is more expensive than 71.83% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.53. PRA is valued slightly cheaper when compared to this.

The Price/Forward Earnings ratio is 15.96, which indicates a correct valuation of PRA.

PRA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PRA is more expensive than 60.56% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.65. PRA is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	23.52
Fwd PE	15.96

4.2 Price Multiples

PRA's Enterprise Value to EBITDA is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	12.83

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.

PRA's earnings are expected to grow with 124.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.03

PEG (5Y)N/A

EPS Next 2Y216.84%

EPS Next 3Y124.38%

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5. Dividend

5.1 Amount

PRA has a Yearly Dividend Yield of 1.55%.

PRA's Dividend Yield is comparable with the industry average which is at 3.17.

PRA's Dividend Yield is slightly below the S&P500 average, which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	1.55%

5.2 History

The dividend of PRA decreases each year by -55.56%.

PRA has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of PRA decreased in the last 3 years.

Dividend Growth(5Y)-55.56%

Div Incr Years1

Div Non Decr Years2

5.3 Sustainability

DP0%

EPS Next 2Y216.84%

EPS Next 3Y124.38%

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PROASSURANCE CORP

NYSE:PRA (2/24/2025, 8:04:00 PM)

After market: 15 +0.89 (+6.31%)

14.11

+0.12 (+0.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-07 2024-11-07/amc

Earnings (Next)02-24 2025-02-24/amc

Inst Owners86.51%

Inst Owner Change-88.02%

Ins Owners1.19%

Ins Owner Change0%

Market Cap721.87M

Analysts70

Price Target18.61 (31.89%)

Short Float %0.89%

Short Ratio2.14

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.55%

Yearly Dividend0.1

Dividend Growth(5Y)-55.56%

DP0%

Div Incr Years1

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)129.35%

Min EPS beat(2)121.09%

Max EPS beat(2)137.62%

EPS beat(4)3

Avg EPS beat(4)25.37%

Min EPS beat(4)-188.13%

Max EPS beat(4)137.62%

EPS beat(8)4

Avg EPS beat(8)-27.11%

EPS beat(12)6

Avg EPS beat(12)4.24%

EPS beat(16)10

Avg EPS beat(16)86.36%

Revenue beat(2)0

Avg Revenue beat(2)-5.54%

Min Revenue beat(2)-7.47%

Max Revenue beat(2)-3.62%

Revenue beat(4)0

Avg Revenue beat(4)-6.43%

Min Revenue beat(4)-11.31%

Max Revenue beat(4)-3.32%

Revenue beat(8)2

Avg Revenue beat(8)-0.32%

Revenue beat(12)4

Avg Revenue beat(12)-0.08%

Revenue beat(16)6

Avg Revenue beat(16)2.22%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-7.55%

EPS NY rev (1m)0%

EPS NY rev (3m)30.98%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.59%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.84%

Valuation

		Industry Rank	Sector Rank
PE	23.52
Fwd PE	15.96
P/S	0.63
P/FCF	N/A
P/OCF	N/A
P/B	0.59
P/tB	0.62
EV/EBITDA	12.83

EPS(TTM)0.6

EY4.25%

EPS(NY)0.88

Fwd EY6.27%

FCF(TTM)-0.27

FCFYN/A

OCF(TTM)-0.27

OCFYN/A

SpS22.4

BVpS24.07

TBVpS22.87

PEG (NY)0.03

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.75%
ROE	3.49%
ROCE	1.15%
ROIC	0.91%
ROICexc	0.92%
ROICexgc	1.05%
OM	5.75%
PM (TTM)	3.75%
GM	N/A
FCFM	N/A

ROA(3y)0.55%

ROA(5y)-0.42%

ROE(3y)2.19%

ROE(5y)-1.27%

ROIC(3y)0.35%

ROIC(5y)N/A

ROICexc(3y)0.35%

ROICexc(5y)N/A

ROICexgc(3y)0.41%

ROICexgc(5y)N/A

ROCE(3y)0.44%

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5Y-16.21%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.2

Health

		Industry Rank	Sector Rank
Debt/Equity	0.35
Debt/FCF	N/A
Debt/EBITDA	4.98
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-Score5

WACC7.37%

ROIC/WACC0.12

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)-125%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%585.71%

EPS Next Y851.07%

EPS Next 2Y216.84%

EPS Next 3Y124.38%

EPS Next 5YN/A

Revenue 1Y (TTM)0.96%

Revenue growth 3Y8.46%

Revenue growth 5Y5.25%

Sales Q2Q%-3.7%

Revenue Next Year-5%

Revenue Next 2Y-2.26%

Revenue Next 3Y-2%

Revenue Next 5YN/A

EBIT growth 1Y54.79%

EBIT growth 3YN/A

EBIT growth 5Y-11.81%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-221.64%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-221.64%

OCF growth 3YN/A

OCF growth 5YN/A

PROASSURANCE CORP (PRA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens