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Upturn AI SWOT - About
PRA 
ProAssurance Corporation (PRA)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -17.08% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.19B USD | Price to earnings Ratio 22.67 | 1Y Target Price 20.25 |
Price to earnings Ratio 22.67 | 1Y Target Price 20.25 | ||
Volume (30-day avg) 1127683 | Beta 0.23 | 52 Weeks Range 10.76 - 23.43 | Updated Date 04/1/2025 |
52 Weeks Range 10.76 - 23.43 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.61% | Operating Margin (TTM) 5.91% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 4.56% |
Valuation
Trailing PE 22.67 | Forward PE 16.86 | Enterprise Value 1579861666 | Price to Sales(TTM) 1.04 |
Enterprise Value 1579861666 | Price to Sales(TTM) 1.04 | ||
Enterprise Value to Revenue 1.4 | Enterprise Value to EBITDA - | Shares Outstanding 51069800 | Shares Floating 50468762 |
Shares Outstanding 51069800 | Shares Floating 50468762 | ||
Percent Insiders 1.57 | Percent Institutions 86.71 |
Analyst Ratings
Rating 3.2 | Target Price 18.25 | Buy 1 | Strong Buy - |
Buy 1 | 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 major provider of healthcare professional liability insurance, expanding its services and geographic reach through acquisitions and organic growth.
Core Business Areas
- Specialty P&C: Provides professional liability insurance to physicians, hospitals, and other healthcare providers.
- Workers' Compensation: Offers workers' compensation insurance coverage for various industries.
- Healthcare Risk Solutions: Provides risk management and consulting services to healthcare organizations.
Leadership and Structure
The leadership team is headed by the CEO. The company is structured into segments based on product lines, with executive leadership overseeing each segment.
Top Products and Market Share
Key Offerings
- Physician Professional Liability Insurance: Provides liability coverage to physicians. The market is highly competitive, with key competitors including Medical Protective, The Doctors Company, and Coverys. Market share data unavailable.
- Hospital Professional Liability Insurance: Provides liability coverage to hospitals and healthcare systems. Competitors include FM Global and Zurich. Market share data unavailable.
- Workers' Compensation Insurance: Provides coverage for employers. Competitors include Travelers and Hartford. Market share data unavailable.
Market Dynamics
Industry Overview
The healthcare professional liability insurance industry is characterized by increasing claims costs, regulatory changes, and consolidation. The workers' compensation industry is affected by employment rates, wage inflation, and legislative reforms.
Positioning
ProAssurance is a well-established player in the medical professional liability insurance market, known for its financial strength and risk management expertise.
Total Addressable Market (TAM)
The TAM for the healthcare professional liability insurance market is estimated to be in the billions of dollars. ProAssurance is positioned to capture a significant share of this market through its established brand and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong financial ratings
- Established brand reputation
- Experienced management team
- Diversified product offerings
Weaknesses
- Geographic concentration in certain markets
- Susceptibility to large claims
- Dependence on reinsurance
- Relatively small compared to larger competitors
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Acquisition of smaller competitors
- Leveraging technology for improved risk management
Threats
- Increasing claims costs
- Regulatory changes
- Competition from larger insurers
- Economic downturn
Competitors and Market Share
Key Competitors
- Medical Protective (Berkshire Hathaway)
- The Doctors Company
- Coverys
- FM Global
- Zurich
Competitive Landscape
ProAssurance faces stiff competition from larger, more diversified insurers. Its competitive advantages include its focus on healthcare professional liability and its strong relationships with healthcare providers. A disadvantage is their capital resources relative to the bigger players.
Major Acquisitions
Eastern Advantage Insurance Company
- Year: 2014
- Acquisition Price (USD millions): 55.8
- Strategic Rationale: Expanded geographic presence and diversified product offerings.
Growth Trajectory and Initiatives
Historical Growth: Refer to ProAssurance Corporation's past annual reports for historical growth trends.
Future Projections: Future projections can be obtained from analyst reports covering ProAssurance Corporation.
Recent Initiatives: Recent initiatives may include acquisitions, new product launches, and technology investments; refer to their corporate press releases for information.
Summary
ProAssurance is a financially stable company with a solid reputation in the medical professional liability insurance market. Increasing claims costs and competition pose challenges, but strategic acquisitions and expansion into new markets could drive future growth. Focus on leveraging technology and risk management could make the company stronger. Potential legislative changes always pose a risk.
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Sources and Disclaimers
Data Sources:
- ProAssurance Corporation's Investor Relations Website
- Annual Reports
- Analyst Reports
- SEC Filings
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary based on 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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