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PRA stock logo

PRA

ProAssurance Corporation

$24.6
-0.1
 (-0.4%)
[ms_data_label text=’Delayed data’]
Exchange:  NYSE
Market Cap:  1.265B
Shares Outstanding:  50M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  Edward Lewis Rand Jr.
Full Time Employees:  1036
Address: 
100 Brookwood Place
Birmingham
AL
35209
US
Website:  https://www.proassurance.com
ProAssurance Corporation, through its subsidiaries, provides property and casualty insurance, and reinsurance products in the United States. The company operates through Specialty Property and Casualty, Workers’ Compensation Insurance, Segregated Portfolio Cell Reinsurance, and Lloyd’s Syndicate segments. It offers professional liability insurance for healthcare providers and institutions, and attorneys; liability insurance for medical technology and life sciences risks; and workers’ compensation insurance, 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. The company also participates in Lloyd’s of London Syndicate 1729, which underwrites property and casualty insurance, and reinsurance. It markets its products through independent agencies and brokers, as well as an internal sales force. The company was founded in 1976 and is headquartered in Birmingham, Alabama.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/02/25 — 4 quarter 2024

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,130,4211,128,2011,098,028
Gross Profit195,114253,336432,610
EBITDA10,016103,171106,596
Operating Income-39,14963,07872,069
Net Income-38,60452,74450,915

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets5,631,9255,574,2735,447,192
Total Liabilities4,519,9454,372,5244,098,058
Total Stockholders Equity1,111,9801,201,7491,349,134
Total Debt444,312442,26314,643
Cash and Cash Equivalents65,89854,88136,494

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-49,88510,333-440
Capital Expenditure-4,79000
Free Cash Flow-54,67510,333-440
Net Income-38,604-3,866-8,278
Net Change in Cash35,938.999-10,8036,068

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)795,126.340Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)890,138.194Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)856,862Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)69,028.891Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)77,277.345Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)74,388.472Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)46,123.367Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)69,962.410Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)57,543Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.110Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.350Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.890Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.15B  ?P/S
 (TTM)
: 
1.17
?Net Income
 (TTM)
: 
52.744M  ?P/E
 (TTM)
: 
24.89
?Enterprise Value
 (TTM)
: 
1.682B  ?EV/FCF
 (TTM)
: 
-58.33
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.04  ?ROIC
 (TTM)
: 
-0.02
?Net Debt
 (TTM)
: 
387.382M  ?Debt/Equity
 (TTM)
: 
0.33
?P/B
 (TTM)
: 
0.94  ?Current Ratio
 (TTM)
: 
0.15

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
21.77Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PRA intrinsic value between $2.97 – $6.07 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate PRA Intrinsic Value

Common questions about PRA valuation

Is ProAssurance Corporation (PRA) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for ProAssurance Corporation (PRA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PRA a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PRA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PRA’s P/E ratio?

You can see PRA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PRA?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PRA a good long-term investment?

Whether PRA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PRA

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

-0.4
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 22.72   Year High: 24.85
Price Avg 50: 24.49   Price Avg 200: 24.03
Volume: 800170   Average Volume: 782822

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See in Nexus

Relevant news

All You Need to Know About ProAssurance (PRA) Rating Upgrade to Strong Buy
27-03-2026 13:01
All You Need to Know About ProAssurance (PRA) Rating Upgrade to Strong Buy
ProAssurance (PRA) Up 0.9% Since Last Earnings Report: Can It Continue?
25-03-2026 12:31
ProAssurance (PRA) Up 0.9% Since Last Earnings Report: Can It Continue?
What Makes ProAssurance (PRA) a Strong Momentum Stock: Buy Now?
27-02-2026 13:02
What Makes ProAssurance (PRA) a Strong Momentum Stock: Buy Now?
ProAssurance Corporation (NYSE:PRA) Given Average Recommendation of “Reduce” by Analysts
26-02-2026 03:36
ProAssurance Corporation (NYSE:PRA) Given Average Recommendation of “Reduce” by Analysts
ProAssurance Q4 Earnings Beat Estimates on Declining Expenses
25-02-2026 13:10
ProAssurance Q4 Earnings Beat Estimates on Declining Expenses
Compared to Estimates, ProAssurance (PRA) Q4 Earnings: A Look at Key Metrics
23-02-2026 21:00
Compared to Estimates, ProAssurance (PRA) Q4 Earnings: A Look at Key Metrics

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