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AMAL vs PRA

AMAL
Amalgamated Financial Corp.
NEUTRAL
Price
$42.31
Market Cap
$1.26B
Sector
Financial Services
AI Confidence
85%
PRA
ProAssurance Corporation
NEUTRAL
Price
$24.66
Market Cap
$1.27B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AMAL
12.41
PRA
24.91
Forward P/E
AMAL
9.33
PRA
22.15
P/B Ratio
AMAL
1.59
PRA
0.94
P/S Ratio
AMAL
4.04
PRA
1.15
EV/EBITDA
AMAL
--
PRA
9.24

Profitability

Gross Margin
AMAL
0.0%
PRA
28.15%
Operating Margin
AMAL
43.16%
PRA
20.31%
Profit Margin
AMAL
33.43%
PRA
4.59%
ROE
AMAL
13.91%
PRA
3.99%
ROA
AMAL
1.22%
PRA
1.39%

Growth

Revenue Growth
AMAL
9.0%
PRA
-4.1%
Earnings Growth
AMAL
11.1%
PRA
105.2%

Financial Health

Debt/Equity
AMAL
--
PRA
0.32
Current Ratio
AMAL
--
PRA
2.51
Quick Ratio
AMAL
--
PRA
1.59

Dividends

Dividend Yield
AMAL
1.37%
PRA
--
Payout Ratio
AMAL
16.42%
PRA
0.0%

AI Verdict

AMAL NEUTRAL

AMAL presents a dichotomy between strong fundamental value and bearish sentiment. The Piotroski F-Score of 4/9 indicates stable financial health, while the current price of $42.31 sits below both the Graham Number ($45.21) and the growth-based Intrinsic Value ($80.65). Despite consistent earnings beats and a low P/E ratio relative to the sector, the stock is facing significant headwinds from heavy insider selling and a strongly bearish technical trend (10/100).

Strengths
Significant undervaluation relative to Intrinsic Value ($80.65) and Graham Number ($45.21)
Exceptional earnings track record with consistent EPS beats over 25 quarters
Strong profitability metrics with a 13.91% ROE and 33.43% profit margin
Risks
Strongly bearish insider sentiment with 9 sell transactions and 0 buys in 6 months
Severe technical weakness (Technical Trend score of 10/100)
Piotroski F-Score of 4/9 suggests only 'stable' rather than 'strong' financial health
PRA NEUTRAL

ProAssurance (PRA) presents a conflicting profile characterized by a very weak Piotroski F-Score of 2/9, indicating deteriorating fundamental health, despite a stable balance sheet. While the stock is attractively valued—trading near its Graham Number ($24.18) and below its intrinsic value ($29.20) with a P/B of 0.94—the lack of revenue growth (-4.10%) suggests that recent earnings surges are likely driven by cost management rather than organic expansion. Technical trends are heavily bearish (10/100), and the low ROE (3.99%) further dampens the bullish case provided by the PEG ratio.

Strengths
Trading below book value (P/B 0.94)
Strong short-term liquidity with a Current Ratio of 2.51
Low leverage with a Debt/Equity ratio of 0.32
Risks
Critical fundamental weakness indicated by Piotroski F-Score (2/9)
Negative revenue growth (-4.10% YoY) indicating shrinking top-line
Very bearish technical trend (10/100)

Compare Another Pair

AMAL vs PRA: Head-to-Head Comparison

This page compares Amalgamated Financial Corp. (AMAL) and ProAssurance Corporation (PRA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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