📊 PRA Key Takeaways
Is Proassurance Corp. (PRA) a Good Investment?
ProAssurance faces significant operational headwinds with negative operating cash flow (-$21.3M) and declining revenue (-4.6% YoY), indicating the core insurance underwriting business is not generating positive cash. Severely depressed profitability metrics (0.6% ROE, 0.2% ROA, 3.2% net margin) combined with negative free cash flow suggest the company is burning capital and struggling to create shareholder value.
Proassurance Corp. Key Strengths (PRA)
- Moderate leverage with debt-to-equity ratio of 0.31x, providing some financial flexibility
- Still generating positive net income ($8.5M) despite operational challenges
- Large asset base ($5.4B) provides established market position in insurance sector
PRA Stock Risks: Proassurance Corp. Investment Risks
- Negative operating cash flow (-$21.3M) indicates core underwriting operations are unprofitable after claims and expenses
- Critically low cash reserves ($14.1M) relative to total assets ($5.4B) create liquidity vulnerability
- Declining revenue (-4.6% YoY) and net income (-3.5% YoY) suggest loss of market share or deteriorating underwriting results
- Interest coverage ratio of 1.6x is dangerously low with minimal margin for earnings deterioration
- Negative free cash flow (-$24.1M) cannot sustain dividend payments or debt reduction
Key Metrics to Watch
- Quarterly operating cash flow trend and return to positive territory
- Claims ratios and loss reserve adequacy
- Premium volume trends and pricing power
- Cash position and liquidity management
- Combined ratio in insurance operations
Proassurance Corp. (PRA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PRA Profit Margin, ROE & Profitability Analysis
PRA vs Finance Sector: How Proassurance Corp. Compares
How Proassurance Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Proassurance Corp. Stock Overvalued? PRA Valuation Analysis 2026
Based on fundamental analysis, Proassurance Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Proassurance Corp. Balance Sheet: PRA Debt, Cash & Liquidity
PRA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Proassurance Corp.'s revenue has shown modest growth of 2% over the 5-year period. The most recent EPS of $-0.73 indicates the company is currently unprofitable.
PRA Revenue Growth, EPS Growth & YoY Performance
PRA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $262.6M | -$5.8M | $-0.11 |
| Q3 2025 | $279.6M | $1.4M | $0.03 |
| Q2 2025 | $276.8M | $15.5M | $0.30 |
| Q1 2025 | $272.1M | $4.6M | $0.09 |
| Q3 2024 | $275.7M | $16.4M | $0.32 |
| Q2 2024 | $290.4M | $4.5M | $0.08 |
| Q1 2024 | $272.7M | $4.6M | $0.09 |
| Q3 2023 | $273.1M | -$9.1M | $-0.17 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Proassurance Corp. Dividends, Buybacks & Capital Allocation
PRA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Proassurance Corp. (CIK: 0001127703)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PRA
What is the AI rating for PRA?
Proassurance Corp. (PRA) has an AI grade of C with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PRA's key strengths?
Claude: Moderate leverage with debt-to-equity ratio of 0.31x, providing some financial flexibility. Still generating positive net income ($8.5M) despite operational challenges.
What are the risks of investing in PRA?
Claude: Negative operating cash flow (-$21.3M) indicates core underwriting operations are unprofitable after claims and expenses. Critically low cash reserves ($14.1M) relative to total assets ($5.4B) create liquidity vulnerability.
What is PRA's revenue and growth?
Proassurance Corp. reported revenue of $262.6M.
Does PRA pay dividends?
Proassurance Corp. does not currently pay dividends.
Where can I find PRA SEC filings?
Official SEC filings for Proassurance Corp. (CIK: 0001127703) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PRA's EPS?
Proassurance Corp. has a diluted EPS of $0.16.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PRA's fundamental grade?
Based on our AI fundamental analysis in May 2026, Proassurance Corp. has a C grade with 78% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PRA stock overvalued or undervalued?
Valuation metrics for PRA: ROE of 0.6% (sector avg: 12%), net margin of 3.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PRA's AI grade for 2026?
Our dual AI analysis gives Proassurance Corp. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PRA's free cash flow?
Proassurance Corp.'s operating cash flow is $-21.3M, with capital expenditures of $2.8M. FCF margin is -9.2%.
How does PRA compare to other Finance stocks?
Vs Finance sector averages: Net margin 3.2% (avg: 25%), ROE 0.6% (avg: 12%), current ratio N/A (avg: 1.2).