ProAssurance Financials

PRA Stock  USD 15.27  0.02  0.13%   
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 February. At present, ProAssurance's Total Stockholder Equity is projected to decrease significantly based on the last few years of reporting. The current year's Property Plant And Equipment Net is expected to grow to about 55.6 M, 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 Ratio0.380.36
Notably Up
Slightly volatile
Current Ratio0.0190.02
Notably Down
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 monitor ProAssurance's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in ProAssurance.

Cash And Equivalents

25.61 Million

  
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 Argo Group, Horace Mann, Kemper, Selective Insurance, and Donegal Group. 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
CUSIP74267C106 58449U100 55261V109
LocationAlabama; U.S.A
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

202020212022202320242025 (projected)
Total Assets5.0B6.6B6.4B5.6B6.5B3.9B
Retained Earnings1.3B1.4B1.4B1.4B1.6B952.6M
Other Assets(2.0B)(3.1B)5.7B4.8B5.6B5.8B
Total Liab3.3B4.8B4.6B4.5B5.2B5.5B
Common Stock632K633K634K636K572.4K543.8K
Other Liab1.8B2.5B3.8B3.6B4.2B4.4B
Accounts Payable40.0M22.6M28.5M24.0M21.6M20.5M
Cash215.8M143.6M30.0M65.9M75.8M103.6M
Other Current Liab(41.6M)(22.6M)(28.5M)2.9B2.6B1.7B
Net Debt89.0M302.2M417.0M378.4M435.2M456.9M
Long Term Debt284.7M425.0M427.0M302.1M347.5M237.0M
Net Receivables600.9M707.4M693.3M702.3M807.6M505.9M
Total Current Assets3.6B4.9B419.8M65.9M75.8M72.0M
Intangible Assets65.7M73.3M66.8M60.3M69.4M67.0M
Other Current Assets773.9M609.6M(4.0B)541.3M622.4M653.6M
Net Tangible Assets1.2B1.2B1.3B987.6M888.8M1.2B
Long Term Debt Total285.8M284.7M425.0M427.0M491.0M308.5M
Capital Surpluse384.6M388.2M392.9M397.9M358.1M319.7M

ProAssurance Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense15.5M19.7M20.4M23.2M26.6M28.0M
Total Revenue886.9M1.1B1.1B1.1B1.3B1.4B
Gross Profit886.9M1.1B1.1B1.1B1.3B1.4B
Operating Income(223.5M)137.7M14.2M(37.0M)(42.5M)(40.4M)
Ebit(201.6M)166.3M14.2M(16.0M)(18.4M)(17.5M)
Ebitda(180.2M)203.6M52.2M10.0M11.5M10.9M
Income Before Tax(217.1M)146.6M(6.2M)(39.1M)(45.0M)(42.8M)
Net Income(175.7M)144.1M(402K)(38.6M)(44.4M)(42.2M)
Income Tax Expense(41.3M)2.5M(5.8M)(545K)(626.8K)(595.4K)
Tax Provision(41.3M)2.5M(5.8M)(3.1M)(2.8M)(2.9M)
Interest Income26.7M27.4M29.3M15.5M17.8M20.2M
Net Interest Income(15.5M)(19.7M)(20.4M)(22.0M)(19.8M)(20.8M)

ProAssurance Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash40.4M(72.2M)(113.6M)35.9M32.3M34.0M
Free Cash Flow84.9M70.1M(34.2M)(54.7M)(62.9M)(59.7M)
Depreciation21.4M37.2M38.1M26.0M29.9M22.2M
Other Non Cash Items203.1M(126.0M)58.8M41.2M47.3M49.7M
Capital Expenditures7.5M3.8M4.4M4.8M5.5M3.2M
Net Income(175.7M)144.1M(402K)(38.6M)(44.4M)(42.2M)
End Period Cash Flow215.8M143.6M30.0M65.9M75.8M78.0M
Dividends Paid38.7M10.8M10.8M5.4M6.2M5.9M
Change To Netincome(84.8M)691K700K57.0M65.5M68.8M
Investments(8.5M)110.0M(62.0M)167.1M150.4M138.5M
Net Borrowings(124.4M)(1.4M)(1.5M)(36.1M)(32.5M)(30.9M)

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 regarded fifth in return on asset category among its peers reporting about  0.25  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for ProAssurance is roughly  4.03 . 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.

ProAssurance Systematic Risk

ProAssurance's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. ProAssurance volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on ProAssurance correlated with the market. If Beta is less than 0 ProAssurance generally moves in the opposite direction as compared to the market. If ProAssurance Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one ProAssurance is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of ProAssurance is generally in the same direction as the market. If Beta > 1 ProAssurance moves generally in the same direction as, but more than the movement of the benchmark.
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

(0.001647)

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

ProAssurance January 19, 2025 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.

Complementary Tools for ProAssurance Stock analysis

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.
Stock Screener
Find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook.
Portfolio Rebalancing
Analyze risk-adjusted returns against different time horizons to find asset-allocation targets