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Upturn AI SWOT - About
PRA 
ProAssurance Corporation (PRA)
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Upturn Advisory Summary
08/28/2025: 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
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 12.43% | Avg. Invested days 74 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.22B USD | Price to earnings Ratio 25.03 | 1Y Target Price 22.67 |
Price to earnings Ratio 25.03 | 1Y Target Price 22.67 | ||
Volume (30-day avg) 4 | Beta 0.13 | 52 Weeks Range 12.43 - 24.14 | Updated Date 08/28/2025 |
52 Weeks Range 12.43 - 24.14 | Updated Date 08/28/2025 | ||
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 2025-08-05 | When - | Estimate 0.21 | Actual 0.52 |
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 25.03 | Forward PE 16.86 | Enterprise Value 1619598430 | Price to Sales(TTM) 1.08 |
Enterprise Value 1619598430 | Price to Sales(TTM) 1.08 | ||
Enterprise Value to Revenue 1.47 | Enterprise Value to EBITDA - | Shares Outstanding 51413600 | Shares Floating 47579214 |
Shares Outstanding 51413600 | Shares Floating 47579214 | ||
Percent Insiders 1.27 | Percent Institutions 90.93 |
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 later expanded its operations and rebranded as ProAssurance, focusing on professional liability insurance. It has grown through acquisitions and organic growth, becoming a major player in the healthcare professional liability market.
Core Business Areas
- Specialty P&C: Provides professional liability insurance for healthcare professionals, facilities, and organizations.
- Workers' Compensation: Offers workers' compensation insurance products.
- Healthcare Risk Solutions: Provides risk management services and consulting.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is divided into business segments based on product lines and regions.
Top Products and Market Share
Key Offerings
- Physician Professional Liability Insurance: Provides medical professional liability coverage for physicians. Market share data is dynamic, but ProAssurance is a significant player. Competitors include Medical Protective (Berkshire Hathaway), The Doctors Company, and Coverys.
- Hospital Professional Liability Insurance: Offers liability coverage for hospitals and healthcare facilities. Competitors include Coverys, SVMIC, and Healthcare Risk Retention Groups (HRRGs).
- Workers' Compensation Insurance: Provides coverage for employers to cover medical bills and lost wages for workplace injuries. Competitors include Travelers, Hartford, and Liberty Mutual.
Market Dynamics
Industry Overview
The professional liability insurance industry is competitive and influenced by healthcare regulations, litigation trends, and economic conditions. The workers comp market is influenced by state laws, worker safety trends, and economic conditions.
Positioning
ProAssurance is positioned as a leading provider of professional liability insurance, with a focus on healthcare. They emphasize risk management services and financial stability. Competitive advantages include specialized expertise and strong relationships.
Total Addressable Market (TAM)
The TAM for healthcare professional liability insurance is estimated in the tens of billions of dollars annually. ProAssurance is a significant participant, but holds only a single-digit percentage of the overall market.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Specialized expertise in healthcare liability
- Established distribution network
- Sound financial position
- Emphasis on risk management
Weaknesses
- Exposure to cyclical insurance market
- Concentration in the healthcare sector
- Vulnerability to large claims
- Geographic concentration
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Growth through acquisitions
- Increased demand for risk management services
- Leveraging technology for improved efficiency
Threats
- Increased competition
- Rising claims costs
- Changes in healthcare regulations
- Economic downturns
- Adverse legal environment
Competitors and Market Share
Key Competitors
- THG
- BERK.A
- AFG
Competitive Landscape
ProAssurance competes with large national and regional insurance companies, as well as physician-owned companies. Their advantages include specialized expertise and strong relationships. Disadvantages may include higher expense ratios or lower investment yields.
Major Acquisitions
Eastern Advantage Insurance Company
- Year: 2013
- Acquisition Price (USD millions): 185
- Strategic Rationale: Enhanced presence in the Mid-Atlantic region; expanded workers' compensation business
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic growth and acquisitions.
Future Projections: Analyst estimates for future growth vary depending on market conditions and company-specific factors. See analyst reports for detailed projections.
Recent Initiatives: Recent initiatives may include new product launches, acquisitions, and technology investments.
Summary
ProAssurance Corporation is a specialized insurer focused on the healthcare sector with a strong reputation. While their specific focus provides an advantage, it also makes them vulnerable to healthcare industry trends. Solid financial footing coupled with calculated acquisitions have fueled growth. Keeping a watchful eye on market volatility and claims costs will be essential for continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings, company website, analyst reports, industry publications
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Financial data and market share estimates are subject to change. Consult with a qualified financial advisor 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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