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Upturn AI SWOT - About
PRA 
ProAssurance Corporation (PRA)
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Upturn Advisory Summary
10/15/2025: PRA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $22.67
1 Year Target Price $22.67
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.47% | Avg. Invested days 82 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.24B USD | Price to earnings Ratio 25.31 | 1Y Target Price 22.67 |
Price to earnings Ratio 25.31 | 1Y Target Price 22.67 | ||
Volume (30-day avg) 4 | Beta 0.13 | 52 Weeks Range 13.00 - 24.22 | Updated Date 10/16/2025 |
52 Weeks Range 13.00 - 24.22 | Updated Date 10/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.95 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.32% | Operating Margin (TTM) 14.31% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 4.05% |
Valuation
Trailing PE 25.31 | Forward PE 16.86 | Enterprise Value 1630909432 | Price to Sales(TTM) 1.09 |
Enterprise Value 1630909432 | Price to Sales(TTM) 1.09 | ||
Enterprise Value to Revenue 1.48 | Enterprise Value to EBITDA - | Shares Outstanding 51413643 | Shares Floating 47579214 |
Shares Outstanding 51413643 | Shares Floating 47579214 | ||
Percent Insiders 1.27 | Percent Institutions 90.11 |
Upturn AI SWOT
ProAssurance Corporation
Company Overview
History and Background
ProAssurance Corporation was founded in 1976 and is headquartered in Okemos, Michigan. Initially focused on medical professional liability insurance, it has expanded its offerings and geographic footprint through strategic acquisitions and organic growth.
Core Business Areas
- Specialty P&C: Provides medical professional liability insurance and related products to healthcare providers and organizations.
- Workers' Compensation: Offers workers' compensation insurance coverage, primarily to employers in the healthcare industry.
- Healthcare Risk Solutions: Provides risk management consulting and other services to healthcare providers.
Leadership and Structure
The leadership team includes Dana D. Sheppard (President & CEO) and other key executives. The organizational structure is based on business segments, with functional departments supporting these segments.
Top Products and Market Share
Key Offerings
- Medical Professional Liability Insurance: Offers protection against medical malpractice claims. Competitors include The Doctors Company, Medical Protective, and Coverys. Market share data varies depending on the region and specialty, but ProAssurance is a significant player in many markets. Revenue from this product is the company's largest single source of income.
- Workers' Compensation Insurance: Provides coverage for employee injuries and illnesses in the healthcare sector. Key competitors include Travelers, Hartford and Zurich. ProAssurance focuses on specific niche sectors within healthcare for worker's compensation which gives it an advantage.
- Healthcare Risk Management Services: Provides consulting and resources to mitigate risks. Competitors include ECRI and various consulting firms specialized in healthcare.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and subject to regulatory changes and economic conditions. The medical professional liability insurance market is influenced by factors such as healthcare costs, litigation trends, and regulatory oversight.
Positioning
ProAssurance focuses on specialized segments within the insurance market, particularly healthcare. Its competitive advantages include its industry expertise, strong relationships with healthcare providers, and risk management capabilities.
Total Addressable Market (TAM)
The TAM for medical professional liability insurance is estimated to be in the billions of dollars annually. ProAssurance is positioned to capture a significant share of this market due to its specialization and expertise.
Upturn SWOT Analysis
Strengths
- Strong industry expertise
- Established relationships with healthcare providers
- Effective risk management capabilities
- Diversified product offerings
- Solid financial performance
Weaknesses
- Concentration in healthcare sector
- Exposure to litigation trends
- Dependence on regulatory environment
- Potential for large claim payouts
- Competitive pressure from larger insurers
Opportunities
- Expansion into new geographic markets
- Development of innovative insurance products
- Strategic acquisitions
- Growth in healthcare spending
- Increased demand for risk management services
Threats
- Economic downturn
- Increased litigation
- Changes in healthcare regulations
- Competition from larger insurers
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TOPS
- MCK
- CVS
- CI
Competitive Landscape
ProAssurance faces stiff competition from larger, more diversified insurance companies. Its competitive advantages stem from its specialization in healthcare and its risk management capabilities.
Major Acquisitions
Eastern Advantage Insurance Company
- Year: 2014
- Acquisition Price (USD millions): 131.8
- Strategic Rationale: Expanded ProAssurance's geographic footprint and service offerings.
Medmarc Casualty Insurance Company
- Year: 2017
- Acquisition Price (USD millions): 205
- Strategic Rationale: Expanded ProAssurance's presence in the medical technology and life sciences industries.
Growth Trajectory and Initiatives
Historical Growth: Discuss ProAssurance Corporation's growth trends over the past years.
Future Projections: Provide projections for ProAssurance Corporation's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by ProAssurance Corporation.
Summary
ProAssurance is a specialized insurance company with a focus on the healthcare industry. Its strengths lie in its industry expertise and risk management capabilities. However, it faces challenges from larger competitors and exposure to litigation and regulatory risks. To maintain its competitive edge, ProAssurance must continue to innovate and expand its product offerings.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Industry reports
- Analyst estimates
- Company website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data and share data can vary. Consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ProAssurance Corporation
Exchange NYSE | Headquaters Birmingham, AL, United States | ||
IPO Launch date 1991-09-04 | President, CEO & Director Mr. Edward Lewis Rand Jr., CPA | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1036 | Website https://www.proassurance.com |
Full time employees 1036 | Website https://www.proassurance.com | ||
ProAssurance Corporation, through its subsidiaries, provides property and casualty insurance, and reinsurance products in the United States. It operates through Specialty Property and Casualty, Workers' Compensation Insurance, and Segregated Portfolio Cell Reinsurance segments. 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, loss portfolio transfers, 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.
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