ProAssurance Corporation (PRA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
ProAssurance Corporation stock (PRA) is currently trading at $24.75. ProAssurance Corporation PE ratio is 24.83. ProAssurance Corporation PS ratio (Price-to-Sales) is 1.14. Analyst consensus price target for PRA is $25.00. WallStSmart rates PRA as Hold.
- PRA PE ratio analysis and historical PE chart
- PRA PS ratio (Price-to-Sales) history and trend
- PRA intrinsic value — DCF, Graham Number, EPV models
- PRA stock price prediction 2025 2026 2027 2028 2029 2030
- PRA fair value vs current price
- PRA insider transactions and insider buying
- Is PRA undervalued or overvalued?
- ProAssurance Corporation financial analysis — revenue, earnings, cash flow
- PRA Piotroski F-Score and Altman Z-Score
- PRA analyst price target and Smart Rating
ProAssurance Corporation
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PRA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · ProAssurance Corporation (PRA)
PRA trades at a significant discount to its Graham intrinsic value of $46.33, offering a 47% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
ProAssurance Corporation (PRA) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/sales. Concerns around return on equity and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
ProAssurance Corporation (PRA) Key Strengths (6)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 105.20% year-over-year
97.93% of shares held by major funds and institutions
Strong operational efficiency: $20 kept per $100 revenue
Paying $1.14 for every $1 of annual revenue
Supporting Valuation Data
ProAssurance Corporation (PRA) Areas to Watch (4)
Revenue declining -4.10%, a shrinking business
Very low returns on shareholder equity
Very thin margins, barely profitable
Small-cap company with higher risk but more growth potential
ProAssurance Corporation (PRA) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 2.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, EPS Growth. Valuation metrics including PEG Ratio (0.78), Price/Sales (1.14), Price/Book (0.94) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 20.30%. Growth metrics are encouraging with EPS Growth at 105.20%.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, Profit Margin. Growth concerns include Revenue Growth at -4.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 3.99%, Profit Margin at 4.59%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 3.99% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -4.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Book) and negatives (Revenue Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PRA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PRA's Price-to-Sales ratio of 1.14x trades at a deep discount to its historical average of 3.78x (1th percentile). The current valuation is 82% below its historical high of 6.42x set in Nov 2012, and 0% above its historical low of 1.14x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for ProAssurance Corporation (PRA) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
ProAssurance Corporation faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 1.1B with 410% decline year-over-year. Profit margins are strong at 459.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 399.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 459.0% and operating margin of 20.3% demonstrate strong pricing power and operational efficiency.
Revenue contracted 410% YoY. Worth determining whether this is cyclical or structural.
Free cash flow is -13M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact ProAssurance Corporation.
Bottom Line
ProAssurance Corporation faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About ProAssurance Corporation(PRA)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
ProAssurance Corporation, offers property and casualty insurance and reinsurance products in the United States. The company is headquartered in Birmingham, Alabama.