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PRA

NEUTRAL
$24.66 Live
ProAssurance Corporation · NYSE
Target $25.0 (+1.4%)
$22.72 52W Range $24.85

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 02, 2026
Market cap
$1.27B
P/E
24.91
ROE
4.0%
Profit margin
4.6%
Debt/Equity
0.32
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
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.

Key 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
Significant YoY earnings growth of 105.20%
Attractive PEG ratio (0.78) suggesting undervaluation relative to earnings growth

Key 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)
Low Return on Equity (3.99%) compared to industry potential
High volatility in quarterly earnings surprises
AI Fair Value Estimate
Based on comprehensive analysis
$25.5
+3.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
38
Weak
Value
80
Future
50
Past
40
Health
20
Dividend
0
AI Verdict
Speculative Value
Key drivers: Low P/B ratio, Poor Piotroski F-Score, Negative revenue growth, Strong earnings recovery
Confidence
80%
Value
80/100

Ref P/E 24.91, PEG 0.78, Graham Number $24.18

Positives
  • Price is nearly aligned with Graham Number
  • P/B < 1.0
  • PEG < 1.0
Watchpoints
  • P/E is slightly high for the current ROE
Future
50/100

Ref Revenue Growth -4.10%, Earnings Growth 105.20%

Positives
  • Massive EPS growth (+105%)
Watchpoints
  • Declining revenue growth
  • Bearish technical momentum
Past
40/100

Ref Quarterly Earnings Track Record

Positives
  • Recent quarters showing strong EPS beats
Watchpoints
  • History of significant earnings misses (2020-2023)
  • Stagnant 5-year price change (-2.2%)
Health
20/100

Ref Piotroski F-Score 2/9

Positives
  • Low Debt/Equity
  • High Current Ratio
Watchpoints
  • Piotroski F-Score of 2/9 indicates severe fundamental weakness
Dividend
0/100

Ref Dividend Yield N/A

Positives
No standout positives identified.
Watchpoints
  • No dividend payments

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$24.66
Analyst Target
$25.0
Upside/Downside
+1.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PRA and closest competitors.

Updated 2026-05-01
PRA
ProAssurance Corporation
Primary
5Y
-2.2%
3Y
+35.9%
1Y
+7.0%
6M
+3.0%
1M
-0.2%
1W
-0.1%
TIG
UP Fintech Holding Limited
Peer
5Y
-60.7%
3Y
+131.6%
1Y
+7.1%
6M
-28.2%
1M
+8.2%
1W
+3.5%
AMA
Amalgamated Financial Corp.
Peer
5Y
+179.2%
3Y
+157.6%
1Y
+56.9%
6M
+60.1%
1M
+10.8%
1W
+0.7%
MSD
Morgan Stanley Direct Lending Fund
Peer
5Y
-6.5%
3Y
-6.5%
1Y
-12.8%
6M
-5.9%
1M
+10.5%
1W
-0.8%
DSL
DoubleLine Income Solutions Fund
Peer
5Y
+6.1%
3Y
+32.5%
1Y
+3.6%
6M
-1.4%
1M
+3.6%
1W
-1.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
24.91
Forward P/E
22.15
PEG Ratio
0.78
P/B Ratio
0.94
P/S Ratio
1.15
EV/Revenue
1.14
EV/EBITDA
9.24
Market Cap
$1.27B

Profitability

Profit margins and return metrics

Profit Margin 4.59%
Operating Margin 20.31%
Gross Margin 28.15%
ROE 3.99%
ROA 1.39%

Growth

Revenue and earnings growth rates

Revenue Growth -4.1%
Earnings Growth +105.2%
Q/Q Revenue Growth -6.19%
Q/Q Earnings Growth +106.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.32
Low debt
Current Ratio
2.51
Strong
Quick Ratio
1.59
Excellent
Cash/Share
$8.63

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.3B
Net Margin
12.5%
Total Assets
$5.4B
Liabilities
$4.1B
Equity
$1.3B
Debt/Equity
3.04x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-23
$0.82
+223.7% surprise
2025-11-04
$0.15
-43.4% surprise
2025-08-05
$0.52
+147.6% surprise

Financial Services Sector Comparison

Comparing PRA against 1034 companies in the Financial Services sector (162 bullish, 450 neutral, 422 bearish)
P/E Ratio
24.91
This Stock
vs
35.38
Sector Avg
-29.6% (Discount)
Return on Equity (ROE)
3.99%
This Stock
vs
0.74%
Sector Avg
+440.6% (Excellent)
Profit Margin
4.59%
This Stock
vs
85.98%
Sector Avg
-94.7% (Weaker)
Debt to Equity
0.32
This Stock
vs
1.29
Sector Avg
-74.9% (Less Debt)
Revenue Growth
-4.1%
This Stock
vs
32.8%
Sector Avg
-112.5% (Slower)
Current Ratio
2.51
This Stock
vs
3.68
Sector Avg
-31.7% (Weaker)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

HENDRICKS DANA S
Chief Financial Officer
Option Exercise
2026-02-25
17,557 shares · $429,620
RAND EDWARD LEWIS JR
Chief Executive Officer
Stock Award
2026-02-25
71,867 shares
LISENBY JEFFREY P.
General Counsel
Option Exercise
2026-02-25
17,557 shares · $429,620
SHOOK KEVIN MERRICK
Officer
Stock Award
2026-02-25
17,557 shares
DISHART NOREEN
Officer
Stock Award
2026-02-25
13,676 shares
FRANCIS ROBERT DAVID
Officer
Option Exercise
2026-02-25
17,881 shares · $437,548
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-02-23

PRA Group, Inc. filed an 8-K on February 23, 2026, likely to report its fourth-quarter and full-year financial results.

10-K
10-K
2026-02-23

PRA filed its 10-K on February 23, 2026, providing a comprehensive overview of its business operations and financial condition. The filing includes detailed sections on risk factors and management's discussion and analysis of its financial results.

8-K
8-K
2025-12-08
10-Q
10-Q
2025-11-04

PRA operates in the specialty property and casualty insurance market, offering medical technology liability coverage and customized alternative risk solutions through its subsidiary, Inova Re. While specific financial metrics were not provided in the excerpt, the company's risk profile includes competitive pressures and factors detailed in its regulatory filings.

8-K
8-K
2025-11-04

PRA Group, Inc. filed an 8-K on November 4, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-08-05

PRA operates in the Specialty Property and Casualty segment, offering customized alternative risk and turnkey captive solutions through its Cayman Islands subsidiary, Inova Re. The company also provides Medical Technology Liability coverage to manufacturers and distributors of life sciences and medical technology products. Detailed risk factors and competitive dynamics are referenced in the company's December 31, 2024, Form 10-K.

8-K
8-K
2025-08-05

PRA Group, Inc. filed an 8-K on August 5, 2025, likely to announce its second-quarter financial results.

8-K
8-K
2025-07-07

PRA reported its second-quarter financial results for the period ending June 30, 2025.

8-K
8-K
2025-06-24
8-K
8-K
2025-05-21

PRA likely reported its first-quarter financial results for 2025.

10-Q
10-Q
2025-05-06
8-K
8-K
2025-05-06
DEF 14A
DEF 14A
2025-04-11
8-K
8-K
2025-03-20
8-K
8-K
2025-03-19
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning PRA from our newsroom.

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