ProAssurance Financials

PRA Stock  USD 24.49  0.04  0.16%   
Based on the measurements of operating efficiency obtained from ProAssurance's historical financial statements, ProAssurance is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in March. At present, ProAssurance's Property Plant And Equipment Net is projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 6.7 B, whereas Total Assets are forecasted to decline to about 3.9 B.
 
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ProAssurance Balance Sheet Chart

At present, ProAssurance's Property Plant And Equipment Net is projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 6.7 B, whereas Total Assets are forecasted to decline to about 3.9 B.
Key indicators impacting ProAssurance's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.350.33
Notably Up
Slightly volatile
The essential information of the day-to-day investment outlook for ProAssurance includes many different criteria found on its balance sheet. An individual investor should research ProAssurance's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in ProAssurance.

Cash And Equivalents

90.47 Million

  
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Please note, the presentation of ProAssurance's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, ProAssurance's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of ProAssurance's management manipulating its earnings.

ProAssurance Stock Summary

ProAssurance competes with Maiden Holdings, Root, Safety Insurance, Selective Insurance, and Oaktree Specialty. ProAssurance Corporation, through its subsidiaries, provides property and casualty insurance, and reinsurance products in the United States. The company was founded in 1976 and is headquartered in Birmingham, Alabama. Pro-Assurance Corp operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 1021 people.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS74267C1062
Business Address100 Brookwood Place,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.proassurance.com
Phone205 877 4400
CurrencyUSD - US Dollar

ProAssurance Key Financial Ratios

ProAssurance Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets6.6B5.7B5.6B5.6B6.4B3.9B
Retained Earnings1.4B1.4B1.4B1.4B1.6B971.0M
Other Assets(3.1B)5.7B467.2M5.6B6.4B6.7B
Total Liab4.8B4.6B4.5B4.4B5.0B2.6B
Common Stock633K634K636K638K574.2K545.5K
Other Liab1.8B2.5B3.8B3.6B4.2B4.4B
Net Debt302.2M417.0M378.4M387.4M445.5M467.8M
Accounts Payable22.6M28.5M24.0M27.3M24.6M47.2M
Cash143.6M30.0M65.9M54.9M63.1M101.8M
Net Receivables707.4M693.3M235.6M656.2M754.6M480.2M
Total Current Assets4.9B521.4M541.3M538.7M619.5M883.0M
Other Current Liab(22.6M)(28.5M)2.9B(152.3M)(137.1M)(130.2M)
Long Term Debt425.0M427.0M302.1M299.9M344.9M240.8M
Other Current Assets609.6M(4.4B)239.8M(4.5B)(4.1B)(3.9B)
Intangible Assets73.3M66.8M60.3M54.2M62.3M66.6M
Net Tangible Assets1.2B1.2B1.3B987.6M888.8M1.2B
Long Term Debt Total425.0M427.0M427.1M424.9M488.6M329.9M
Capital Surpluse392.9M397.9M403.6M408.5M367.6M320.4M

ProAssurance Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense19.7M20.4M23.2M22.3M25.7M27.0M
Total Revenue1.1B1.1B1.1B1.1B1.3B655.0M
Gross Profit212.6M191.9M195.1M253.3M291.3M222.7M
Operating Income146.6M(6.2M)(39.1M)63.1M56.8M106.3M
Ebit166.3M14.2M(16.0M)85.4M98.2M152.0M
Ebitda203.6M52.2M10.0M103.2M118.6M173.3M
Cost Of Revenue862.9M909.9M935.3M874.9M1.0B1.1B
Income Before Tax146.6M(6.2M)(39.1M)63.1M72.5M124.5M
Net Income144.1M(402K)(38.6M)52.7M60.7M99.0M
Income Tax Expense2.5M(5.8M)(545K)10.3M11.9M11.3M
Tax Provision2.5M(5.8M)(3.1M)10.3M9.3M9.8M
Interest Income29.3M15.5M16.4M663K596.7K566.9K
Net Interest Income(19.7M)(20.4M)(22.0M)(22.3M)(20.1M)(21.1M)

ProAssurance Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash(72.2M)(113.6M)35.9M(11.0M)(9.9M)(9.4M)
Free Cash Flow70.1M(34.2M)(54.7M)(19.7M)(17.8M)(16.9M)
Depreciation37.2M38.1M26.0M17.8M20.4M20.9M
Other Non Cash Items(126.0M)58.8M41.2M(4.3M)(4.9M)(5.2M)
Capital Expenditures3.8M4.4M4.8M9.0M10.4M10.9M
Net Income144.1M(402K)(38.6M)52.7M60.7M94.3M
End Period Cash Flow143.6M30.0M65.9M54.9M63.1M77.5M
Dividends Paid10.8M10.8M(5.4M)20.9M24.0M25.2M
Change To Netincome(84.8M)691K700K57.0M65.5M68.8M
Investments110.0M(62.0M)167.1M10.7M9.6M9.1M
Net Borrowings(1.5M)(36.1M)0.0(4.7M)(4.2M)(4.0M)

ProAssurance Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining ProAssurance's current stock value. Our valuation model uses many indicators to compare ProAssurance value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ProAssurance competition to find correlations between indicators driving ProAssurance's intrinsic value. More Info.
ProAssurance is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.35  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for ProAssurance is roughly  2.86 . At present, ProAssurance's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the ProAssurance's earnings, one of the primary drivers of an investment's value.
Most indicators from ProAssurance's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into ProAssurance current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in ProAssurance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in real.
For information on how to trade ProAssurance Stock refer to our How to Trade ProAssurance Stock guide.At present, ProAssurance's Selling General Administrative is projected to increase significantly based on the last few years of reporting. The current year's Tax Provision is expected to grow to about 9.8 M, whereas Issuance Of Capital Stock is forecasted to decline to 6,400.
 2023 2024 2025 2026 (projected)
Gross Profit195.1M253.3M291.3M222.7M
Total Revenue1.1B1.1B1.3B655.0M

ProAssurance fundamental ratios Correlations

0.560.070.78-0.130.110.180.060.890.63-0.88-0.880.490.44-0.120.270.190.390.560.390.18-0.510.63-0.1-0.080.63
0.56-0.390.89-0.090.150.510.390.130.57-0.65-0.65-0.22-0.260.240.630.060.050.040.03-0.150.050.120.360.510.16
0.07-0.39-0.280.28-0.07-0.37-0.350.30.170.00.00.530.380.14-0.230.23-0.280.31-0.260.25-0.550.24-0.29-0.310.22
0.780.89-0.28-0.160.30.450.20.440.63-0.81-0.810.0-0.040.050.550.080.160.210.15-0.16-0.120.250.20.350.32
-0.13-0.090.28-0.16-0.68-0.030.37-0.11-0.030.250.25-0.08-0.19-0.01-0.160.62-0.73-0.62-0.720.020.29-0.120.280.42-0.27
0.110.15-0.070.3-0.680.36-0.440.050.33-0.37-0.370.10.170.290.06-0.570.310.270.31-0.45-0.11-0.19-0.17-0.140.0
0.180.51-0.370.45-0.030.360.52-0.060.54-0.39-0.39-0.15-0.210.360.24-0.090.09-0.20.09-0.230.49-0.4-0.030.15-0.39
0.060.39-0.350.20.37-0.440.52-0.140.26-0.01-0.01-0.39-0.510.230.130.31-0.18-0.28-0.180.190.64-0.280.010.18-0.4
0.890.130.30.44-0.110.05-0.06-0.140.44-0.7-0.70.710.67-0.27-0.020.190.440.650.460.3-0.640.7-0.32-0.370.67
0.630.570.170.63-0.030.330.540.260.44-0.74-0.740.07-0.030.580.31-0.070.040.20.04-0.03-0.19-0.010.090.1-0.04
-0.88-0.650.0-0.810.25-0.37-0.39-0.01-0.7-0.741.0-0.4-0.32-0.16-0.44-0.12-0.37-0.44-0.37-0.110.45-0.380.080.03-0.44
-0.88-0.650.0-0.810.25-0.37-0.39-0.01-0.7-0.741.0-0.4-0.32-0.16-0.44-0.12-0.37-0.44-0.37-0.110.45-0.380.080.03-0.44
0.49-0.220.530.0-0.080.1-0.15-0.390.710.07-0.4-0.40.91-0.33-0.220.20.420.570.450.3-0.630.67-0.58-0.580.65
0.44-0.260.38-0.04-0.190.17-0.21-0.510.67-0.03-0.32-0.320.91-0.41-0.41-0.050.480.510.510.05-0.620.71-0.39-0.440.69
-0.120.240.140.05-0.010.290.360.23-0.270.58-0.16-0.16-0.33-0.410.12-0.16-0.34-0.1-0.35-0.080.14-0.540.150.14-0.52
0.270.63-0.230.55-0.160.060.240.13-0.020.31-0.44-0.44-0.22-0.410.120.250.190.080.150.34-0.150.050.120.140.1
0.190.060.230.080.62-0.57-0.090.310.19-0.07-0.12-0.120.2-0.05-0.160.25-0.3-0.09-0.30.590.00.19-0.25-0.050.15
0.390.05-0.280.16-0.730.310.09-0.180.440.04-0.37-0.370.420.48-0.340.19-0.30.611.00.31-0.380.48-0.45-0.590.48
0.560.040.310.21-0.620.27-0.2-0.280.650.2-0.44-0.440.570.51-0.10.08-0.090.610.610.44-0.680.59-0.55-0.640.66
0.390.03-0.260.15-0.720.310.09-0.180.460.04-0.37-0.370.450.51-0.350.15-0.31.00.610.3-0.380.49-0.45-0.60.48
0.18-0.150.25-0.160.02-0.45-0.230.190.3-0.03-0.11-0.110.30.05-0.080.340.590.310.440.3-0.340.33-0.54-0.620.26
-0.510.05-0.55-0.120.29-0.110.490.64-0.64-0.190.450.45-0.63-0.620.14-0.150.0-0.38-0.68-0.38-0.34-0.710.120.33-0.75
0.630.120.240.25-0.12-0.19-0.4-0.280.7-0.01-0.38-0.380.670.71-0.540.050.190.480.590.490.33-0.71-0.17-0.230.94
-0.10.36-0.290.20.28-0.17-0.030.01-0.320.090.080.08-0.58-0.390.150.12-0.25-0.45-0.55-0.45-0.540.12-0.170.9-0.2
-0.080.51-0.310.350.42-0.140.150.18-0.370.10.030.03-0.58-0.440.140.14-0.05-0.59-0.64-0.6-0.620.33-0.230.9-0.22
0.630.160.220.32-0.270.0-0.39-0.40.67-0.04-0.44-0.440.650.69-0.520.10.150.480.660.480.26-0.750.94-0.2-0.22
Click cells to compare fundamentals

ProAssurance Account Relationship Matchups

ProAssurance fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets6.6B5.7B5.6B5.6B6.4B3.9B
Retained Earnings1.4B1.4B1.4B1.4B1.6B971.0M
Other Assets(3.1B)5.7B467.2M5.6B6.4B6.7B
Total Liab4.8B4.6B4.5B4.4B5.0B2.6B
Common Stock633K634K636K638K574.2K545.5K
Other Liab1.8B2.5B3.8B3.6B4.2B4.4B
Net Debt302.2M417.0M378.4M387.4M445.5M467.8M
Accounts Payable22.6M28.5M24.0M27.3M24.6M47.2M
Cash143.6M30.0M65.9M54.9M63.1M101.8M
Net Receivables707.4M693.3M235.6M656.2M754.6M480.2M
Total Current Assets4.9B521.4M541.3M538.7M619.5M883.0M
Other Current Liab(22.6M)(28.5M)2.9B(152.3M)(137.1M)(130.2M)
Long Term Debt425.0M427.0M302.1M299.9M344.9M240.8M
Other Current Assets609.6M(4.4B)239.8M(4.5B)(4.1B)(3.9B)
Intangible Assets73.3M66.8M60.3M54.2M62.3M66.6M
Net Tangible Assets1.2B1.2B1.3B987.6M888.8M1.2B
Long Term Debt Total425.0M427.0M427.1M424.9M488.6M329.9M
Capital Surpluse392.9M397.9M403.6M408.5M367.6M320.4M
Today, most investors in ProAssurance Stock are looking for potential investment opportunities by analyzing not only static indicators but also various ProAssurance's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of ProAssurance growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.0547)

At present, ProAssurance's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

ProAssurance February 15, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of ProAssurance help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ProAssurance. We use our internally-developed statistical techniques to arrive at the intrinsic value of ProAssurance based on widely used predictive technical indicators. In general, we focus on analyzing ProAssurance Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ProAssurance's daily price indicators and compare them against related drivers.

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When running ProAssurance's price analysis, check to measure ProAssurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ProAssurance is operating at the current time. Most of ProAssurance's value examination focuses on studying past and present price action to predict the probability of ProAssurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ProAssurance's price. Additionally, you may evaluate how the addition of ProAssurance to your portfolios can decrease your overall portfolio volatility.
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