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Upturn AI SWOT - About
PRA 
ProAssurance Corporation (PRA)
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Upturn Advisory Summary
06/30/2025: PRA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
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 7.94% | Avg. Invested days 64 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 27.51 | 1Y Target Price 22.67 |
Price to earnings Ratio 27.51 | 1Y Target Price 22.67 | ||
Volume (30-day avg) 4 | Beta 0.14 | 52 Weeks Range 10.76 - 23.70 | Updated Date 06/30/2025 |
52 Weeks Range 10.76 - 23.70 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.71% | Operating Margin (TTM) 4.84% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 3.61% |
Valuation
Trailing PE 27.51 | Forward PE 16.86 | Enterprise Value 1562812647 | Price to Sales(TTM) 1.02 |
Enterprise Value 1562812647 | Price to Sales(TTM) 1.02 | ||
Enterprise Value to Revenue 1.4 | Enterprise Value to EBITDA - | Shares Outstanding 51070200 | Shares Floating 47541838 |
Shares Outstanding 51070200 | Shares Floating 47541838 | ||
Percent Insiders 1.28 | Percent Institutions 86.46 |
Analyst Ratings
Rating 2 | Target Price 22.67 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ProAssurance Corporation
Company Overview
History and Background
ProAssurance Corporation was founded in 1976 as Medical Mutual Liability Insurance Society of Maryland. It has grown to become a leading provider of healthcare professional liability insurance and risk management services, expanding nationally through acquisitions and organic growth.
Core Business Areas
- Specialty P&C: Provides professional liability insurance to physicians, dentists, and other healthcare providers. Includes coverage for claims, legal defense, and risk management.
- Workers' Compensation: Offers workers' compensation insurance coverage to employers, focusing on safety and return-to-work programs.
- Segregated Portfolio Cell Reinsurance: Facilitates reinsurance through segregated portfolio cells (SPC), providing customized risk transfer solutions. These are non-traditional underwriting solutions designed for specific risk characteristics.
Leadership and Structure
The leadership team is headed by the CEO and includes executives responsible for finance, underwriting, claims, and risk management. The organizational structure consists of distinct business units focused on specific insurance lines and functions.
Top Products and Market Share
Key Offerings
- Healthcare Professional Liability Insurance: Provides medical professional liability coverage to physicians, dentists, hospitals, and other healthcare providers. While precise market share data fluctuates, ProAssurance is a significant player in this space. Competitors include The Doctors Company, Coverys, and Medical Protective.
- Workers' Compensation Insurance: Offers workers' compensation coverage to employers, emphasizing risk management and safety programs. Market share varies by region and industry. Competitors include Travelers, Hartford, and Liberty Mutual.
Market Dynamics
Industry Overview
The healthcare professional liability insurance industry is influenced by factors such as healthcare costs, litigation trends, and regulatory changes. The workers' compensation market is affected by employment rates, workplace safety regulations, and economic conditions.
Positioning
ProAssurance is positioned as a specialist in healthcare professional liability and workers' compensation, emphasizing risk management and customer service. Its competitive advantages include deep industry expertise and a strong financial position.
Total Addressable Market (TAM)
The total addressable market for medical professional liability is estimated at tens of billions of dollars annually. ProAssurance is positioned to capture a portion of this market through its specialized expertise. The US Workers' Compensation market is larger than medical professional liability, exceeding $50 billion. ProAssurance has a single-digit percentage of this market, with an estimated TAM for them in the millions of dollars.
Upturn SWOT Analysis
Strengths
- Strong financial position
- Deep industry expertise
- Focus on risk management
- Established relationships with healthcare providers
Weaknesses
- Concentration in healthcare sector
- Exposure to litigation trends
- Dependence on pricing accuracy
- Smaller size compared to larger, more diversified insurers
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Strategic acquisitions
- Growth in telehealth and other healthcare innovations
Threats
- Increased competition
- Rising claims costs
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- THG
- MEDP
- PRIME
Competitive Landscape
ProAssurance competes based on its specialized expertise and risk management services. It faces competition from larger, more diversified insurers and smaller niche players.
Major Acquisitions
Eastern Advantage Insurance Company
- Year: 2019
- Acquisition Price (USD millions): 35
- Strategic Rationale: Expansion into the workers' compensation market in the Southeast.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings.
Recent Initiatives: Recent initiatives include investments in technology and expansion of risk management services.
Summary
ProAssurance is a specialized insurer with a strong focus on the healthcare professional liability market and worker's compensation. They have a strong focus on risk management, which has been helping the firm be positioned as a specialist in the insurance industry. ProAssurance has exposure to litigation trends and could be impacted by regulatory changes. It will benefit from continuing to manage rising claims costs and continuing to expand into new markets, as well as healthcare innovations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market share data is approximate and based on available information.
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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