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Upturn AI SWOT - About
PRA 
ProAssurance Corporation (PRA)
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Upturn Advisory Summary
12/01/2025: 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 $25
1 Year Target Price $25
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.28% | Avg. Invested days 90 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.23B USD | Price to earnings Ratio 36.86 | 1Y Target Price 25 |
Price to earnings Ratio 36.86 | 1Y Target Price 25 | ||
Volume (30-day avg) 4 | Beta 0.12 | 52 Weeks Range 13.90 - 24.22 | Updated Date 12/1/2025 |
52 Weeks Range 13.90 - 24.22 | Updated Date 12/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-04 | When - | Estimate 0.25 | Actual 0.15 |
Profitability
Profit Margin 3.01% | Operating Margin (TTM) 5.08% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 2.66% |
Valuation
Trailing PE 36.86 | Forward PE 16.86 | Enterprise Value 1620427523 | Price to Sales(TTM) 1.1 |
Enterprise Value 1620427523 | Price to Sales(TTM) 1.1 | ||
Enterprise Value to Revenue 1.47 | Enterprise Value to EBITDA - | Shares Outstanding 51413643 | Shares Floating 47509805 |
Shares Outstanding 51413643 | Shares Floating 47509805 | ||
Percent Insiders 1.27 | Percent Institutions 98.33 |
Upturn AI SWOT
ProAssurance Corporation
Company Overview
History and Background
ProAssurance Corporation was founded in 1976 as Medical Mutual Insurance Company of North Carolina. It has grown through acquisitions and organic expansion to become a leading provider of healthcare professional liability insurance and related services.
Core Business Areas
- Specialty P&C: Provides professional liability insurance for physicians, dentists, and other healthcare providers, as well as hospitals and healthcare facilities.
- Workers' Compensation: Offers workers' compensation insurance products and services, focusing on the healthcare industry.
- Healthcare Risk Solutions: Provides risk management and consulting services to healthcare organizations.
Leadership and Structure
The company is led by a board of directors and a management team. The organizational structure is divided into business segments, each with its own leadership team.
Top Products and Market Share
Key Offerings
- Physician Professional Liability Insurance: Offers medical professional liability insurance to physicians. Competitors include The Doctors Company, Coverys, and Medical Protective. Precise market share is difficult to ascertain, but ProAssurance is considered a major player.
- Hospital Professional Liability Insurance: Provides liability coverage to hospitals and healthcare facilities. Competitors include FM Global and Zurich. Market share data not publicly available, it forms a component of Specialty P&C insurance.
- Workers' Compensation for Healthcare: Offers workers' compensation insurance tailored for healthcare providers. Competitors include Travelers and Hartford. Market share data is not specifically broken out.
Market Dynamics
Industry Overview
The healthcare professional liability insurance industry is characterized by increasing healthcare costs, regulatory changes, and evolving liability risks. The workers' compensation market is sensitive to employment rates and healthcare costs.
Positioning
ProAssurance is a leading provider of healthcare professional liability insurance, known for its expertise in risk management and claims handling. It differentiates itself through its focus on the healthcare industry and its commitment to providing high-quality service.
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 portion of this market, but faces strong competition from larger, diversified insurers.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Expertise in healthcare risk management
- Strong financial position
- Effective claims handling
Weaknesses
- Concentration in the healthcare industry
- Exposure to medical malpractice litigation
- Vulnerability to regulatory changes
- Dependence on reinsurance
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Strategic acquisitions
- Growth in the healthcare industry
Threats
- Increasing competition
- Rising healthcare costs
- Adverse legal rulings
- Economic downturn
Competitors and Market Share
Key Competitors
- TDC
- MR
- MLP
Competitive Landscape
ProAssurance competes with a mix of national and regional insurance companies. Its advantages include its expertise in healthcare risk management and its strong brand reputation. Disadvantages include its concentration in the healthcare industry and its vulnerability to regulatory changes.
Major Acquisitions
Eastern Alliance Insurance Group
- Year: 2015
- Acquisition Price (USD millions): 250
- Strategic Rationale: Expanded ProAssurance's workers' compensation business.
Growth Trajectory and Initiatives
Historical Growth: ProAssurance has grown through acquisitions and organic expansion.
Future Projections: Future growth is expected to be driven by expansion into new markets, development of new products, and strategic acquisitions. Analyst estimates are needed for detailed projections.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the product portfolio, and strategic acquisitions.
Summary
ProAssurance is a leading provider of healthcare professional liability insurance with a strong brand and expertise in risk management. Its concentration in the healthcare industry and exposure to litigation are potential weaknesses. Growth opportunities exist through expansion and new products, but competition and regulatory changes pose threats.
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Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Industry Reports, Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source.
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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