ProAssurance Corporation PRA R2K

Financial Services · Insurance - Property & Casualty · United States

https://www.proassurance.com

ProAssurance Corporation, through its subsidiaries, provides property and casualty insurance, and reinsurance products in the United States. It operates through three segments: Specialty Property and Casualty, Workers' Compensation Insurance, Segregated Portfolio Cell Reinsurance, and Corporate. The company offers professional liability insurance to healthcare providers and institutions, and attorneys and their firms; medical technology liability insurance to medical technology and life sciences companies; and custom alternative risk solutions, including assumed reinsurance and captive cell programs for healthcare professional liability insureds. It also provides workers' compensation insurance products, such as guaranteed cost policies, policyholder dividend policies, retrospectively rated policies, and deductible policies, as well as alternative market solutions that include program design, fronting, claims administration, risk management, SPC rental, asset management, and SPC management services for individual companies, agencies, groups, and associations. It markets its products through independent agencies and brokers, as well as an internal business development team. ProAssurance Corporation was founded in 1976 and is headquartered in Birmingham, Alabama.

Market & Price

Market Cap

$1.24B

Current Price

$23.99

High / Low (52W)

$24.76 / $22.77

Beta

0.04

Valuation

Stock P/E

19.04

Industry PE

12.01

Forward P/E

19.19

PEG Ratio

0.78

Book Value

$25.94

Price to Book

0.92

P/S

1.13

EV/EBITDA

9.43

Dividend Yield

Profitability & Returns

ROCE

ROE

5.07%

ROA

1.47%

Profit Margin

5.95%

Op Margin

6.56%

EPS (Latest Qtr)

$0.16

EPS (TTM)

$1.26

Balance Sheet & Liquidity

Debt/Equity

0.32

Quick Ratio

1.23

Current Ratio

2.06

Debt

$433.28M

Total Assets

$5.45B

Current Assets

Working Capital

Ownership

Promoter Holding

1.43%

Chg in Prom Hold

FII / Inst Holding

100.81%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.33B

Total Revenue (TTM)

$1.10B

EBITDA

$141.33M

Free Cash Flow

$47.40M

Operating Cash Flow

$-35.33M

Shares Outstanding

51.61M

Gross Margin

28.78%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

-0.61%

Profit 5Y

4,255.14%

Revenue (YoY)

-4.90%

Earnings (YoY)

PROS

Profit CAGR of 4255.1% over 5 years.
Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -0.6% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PRA ProAssurance Corporation R2K	23.99	19.04	$1.24B	-	-	5.07%	-0.61%	4,255.14%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	203.42M	174.93M	-	193.39M	214.80M	224.35M	-	223.00M	205.58M	228.46M	-	201.03M	256.19M	249.32M	-	268.88M	239.62M	241.87M	-	196.70M	221.74M	226.90M	220.02M	281.63M	309.70M	283.07M	255.82M	273.08M	272.68M	291.83M	275.75M	284.70M	290.36M	-	-	265.85M	272.17M	274.82M	266.70M	259.70M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.17M	32.66M	9.61M	51.81M	14.28M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.16M	5.22M	5.24M	5.22M	5.09M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-6.33M	27.43M	4.37M	46.60M	9.19M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-510.00K	5.51M	2.92M	13.23M	732.00K
Net Income	33.16M	10.28M	34.95M	19.32M	43.08M	33.83M	54.85M	41.45M	19.52M	28.95M	17.34M	11.86M	28.42M	31.23M	-24.45M	31.65M	11.54M	17.19M	-59.38M	-21.95M	-18.10M	-149.98M	7.74M	92.05M	12.20M	-3.56M	-1.66M	-9.12M	-6.17M	10.63M	-49.43M	4.63M	15.51M	-	-	-5.82M	21.92M	1.45M	33.37M	8.46M
Diluted EPS	0.60	0.19	0.65	0.36	0.81	0.63	1.02	0.77	0.36	0.54	0.32	0.22	0.53	0.58	-0.46	0.59	0.21	0.32	-1.10	-0.41	-0.34	-2.78	0.14	1.70	0.23	-0.07	-0.03	-0.17	-0.11	0.20	-0.95	0.09	0.30	-	-	-0.11	0.42	0.03	0.64	0.16

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	567.16M	672.68M	692.07M	716.78M	715.85M	740.18M	852.33M	772.08M	870.21M	866.15M	886.03M	999.83M	874.94M	-	1.10B	1.13B	1.13B	1.08B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.16M	-16.00M	85.42M	92.91M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.37M	23.15M	22.34M	20.84M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-6.22M	-39.15M	63.08M	72.07M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-5.81M	-545.00K	10.33M	21.15M
Net Income	177.72M	222.03M	231.60M	287.10M	275.47M	297.52M	196.56M	116.20M	151.08M	107.26M	47.06M	1.00M	-175.73M	-	-402.00K	-38.60M	52.74M	50.91M
Diluted EPS	5.22	6.70	3.60	4.65	4.46	4.80	3.30	2.11	2.83	2.00	0.88	0.02	-3.26	-	-0.01	-0.73	1.03	0.99

Compounded Sales Growth

5 Years:	-0.61%
1 Year:	-4.90%

Compounded Profit Growth

5 Years:	4,255.14%
1 Year:	-

Stock Price Performance

1 Year:	+3.45%
6 Months:	-0.17%
3 Months:	-2.28%
1 Month:	-3.03%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	4.65B	4.88B	5.00B	4.88B	5.15B	5.17B	4.91B	5.07B	4.93B	4.60B	4.81B	4.65B	-	5.70B	5.63B	5.57B	5.45B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	30.27M	3.46M	40.64M	50.85M	130.40M	118.55M	129.38M	197.04M	241.10M	117.35M	134.50M	80.47M	175.37M	215.78M	-	29.96M	65.90M	54.88M	36.49M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	693.30M	702.26M	656.20M	582.04M
Total Liabilities	-	-	2.94B	3.02B	2.83B	2.61B	2.76B	3.01B	2.95B	3.27B	3.33B	3.08B	3.29B	3.31B	-	4.60B	4.52B	4.37B	4.10B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	50.20M	51.10M	49.69M	125.00M	250.00M	250.00M	-	448.20M	411.81M	287.76M	285.82M	284.71M	-	426.98M	302.13M	299.87M	295.42M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	446.99M	444.31M	442.26M	435.06M
Total Equity	1.26B	1.42B	1.70B	1.86B	2.16B	2.27B	2.39B	2.16B	1.96B	1.80B	1.59B	1.52B	1.51B	1.35B	-	1.10B	1.11B	1.20B	1.35B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63.43M	63.58M	63.76M	64.02M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	167.88M	75.41M	139.19M	159.36M	91.25M	38.60M	96.00M	111.12M	178.98M	173.39M	177.26M	148.17M	92.34M	-	-29.84M	-49.88M	-10.71M	-25.62M
Investing Cash Flow	-94.68M	20.84M	-22.35M	-49.61M	26.84M	-67.80M	266.98M	227.79M	-288.80M	200.28M	214.90M	50.52M	-8.48M	-	-62.00M	141.14M	10.67M	19.44M
Financing Cash Flow	-100.02M	-59.07M	-106.64M	-30.20M	-129.94M	40.03M	-295.32M	-294.85M	-13.93M	-356.51M	-446.19M	-103.79M	-43.45M	-	-21.80M	-55.31M	-10.97M	-12.20M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-4.35M	-4.79M	-9.02M	-3.60M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-34.19M	-54.67M	-19.73M	-29.22M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-113.64M	35.94M	-11.02M	-18.39M
Share Buybacks	87.56M	52.05M	106.35M	21.00M	0	29.09M	222.36M	172.77M	2.11M	0	0	-	0	0	3.25M	50.49M	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.3%	-1.4%	7.6%	8.6%
Net Margin %	31.3%	33.0%	33.5%	40.1%	38.5%	40.2%	23.1%	15.0%	17.4%	12.4%	5.3%	0.1%	-20.1%	-	-0.0%	-3.4%	4.7%	4.7%
ROE %	12.5%	13.0%	12.5%	13.3%	12.1%	12.4%	9.1%	5.9%	8.4%	6.7%	3.1%	0.1%	-13.0%	-	-0.0%	-3.5%	4.4%	3.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.43%

Institutions

100.81%

Public Float

102.28%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.10%	7.28M	$174.61M
2	Magnetar Financial LLC	6.29%	3.25M	$77.88M
3	Vanguard Portfolio Management LLC	5.39%	2.78M	$66.72M
4	Vanguard Capital Management LLC	4.34%	2.24M	$53.76M
5	Alliancebernstein L.P.	3.94%	2.03M	$48.80M
6	State Street Corporation	3.68%	1.90M	$45.61M
7	HSBC Holdings PLC	3.05%	1.57M	$37.75M
8	Glazer Capital LLC	3.00%	1.55M	$37.10M
9	Westchester Capital Management, LLC	2.82%	1.46M	$34.91M
10	Dimensional Fund Advisors LP	2.80%	1.44M	$34.61M

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