ProAssurance Corporation Common Stock (PRA)

FairStock Score: 52/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

ProAssurance is a niche property-casualty insurer focused on healthcare professional liability, legal liability, medical technology, and workers’ compensation. In fiscal Q1 2026, it reported $259.7M of revenue and $8.5M of net income, a 3.26% margin. That is thin for an insurer, and it tells me underwriting is not producing much cushion. With a $1.3B market cap and 972 employees, it is not a scale giant; any moat comes from specialized underwriting relationships, not size. FairStock’s calculations show ROE of 5.07%, ROCE of 1.47%, and debt-to-equity of 0.32; at the 2026-07-02 close, the P/E was 19.84 and P/B was 0.96. The low leverage is reassuring, but a 5% ROE is mediocre. FairStock’s Piotroski F-score is 1/9, signaling weak fundamental momentum. The 52-week range is $23.68–$25.02, and the $25.00 close sits at the top, yet book value is only just below the share price. The supplied growth figures point in opposite directions—profit rebounding while revenue shrinks—so I would want the periods and underwriting details before trusting the rebound. FairStock’s PEG of 0.19 looks cheap, but a low-base recovery can flatter that ratio. The FairStock score is 52/100, and its Lynch category is none because only 0 years of filed results are available. CET1, NIM, and combined ratio are not in the data. A sub-book price is interesting, but a low-return insurer can stay cheap. The margin of safety depends on reserve discipline and underwriting, which the data do not yet show.

In plain English: ProAssurance sells specialty insurance, mostly to doctors, hospitals, lawyers, and employers. In fiscal Q1 2026, it earned a small profit on $259.7 million of revenue, and the business looks weak because profit margins are thin and returns are low. The stock trades a little below the value of the company’s net assets, so the price looks fair to slightly cheap, but not obviously bargain-priced for the quality.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-07-02 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer