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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.58
PRA's Cash to Debt is ranked lower than
75% of the 60 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.82 vs. PRA: 0.58 )
Ranked among companies with meaningful Cash to Debt only.
PRA' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.95 Max: No Debt
Current: 0.58
Equity to Asset 0.42
PRA's Equity to Asset is ranked higher than
77% of the 60 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.32 vs. PRA: 0.42 )
Ranked among companies with meaningful Equity to Asset only.
PRA' s 10-Year Equity to Asset Range
Min: 0.18  Med: 0.28 Max: 0.48
Current: 0.42
0.18
0.48
Interest Coverage 18.60
PRA's Interest Coverage is ranked lower than
57% of the 46 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 35.46 vs. PRA: 18.60 )
Ranked among companies with meaningful Interest Coverage only.
PRA' s 10-Year Interest Coverage Range
Min: 5.23  Med: 119.21 Max: 9999.99
Current: 18.6
5.23
9999.99
F-Score: 4
WACC vs ROIC
7.00%
8.66%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 28.88
PRA's Operating margin (%) is ranked higher than
77% of the 62 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.79 vs. PRA: 28.88 )
Ranked among companies with meaningful Operating margin (%) only.
PRA' s 10-Year Operating margin (%) Range
Min: 3.54  Med: 33.47 Max: 57.84
Current: 28.88
3.54
57.84
Net-margin (%) 22.02
PRA's Net-margin (%) is ranked higher than
74% of the 62 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.73 vs. PRA: 22.02 )
Ranked among companies with meaningful Net-margin (%) only.
PRA' s 10-Year Net-margin (%) Range
Min: 3.04  Med: 23.58 Max: 40.2
Current: 22.02
3.04
40.2
ROE (%) 8.29
PRA's ROE (%) is ranked lower than
69% of the 62 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.19 vs. PRA: 8.29 )
Ranked among companies with meaningful ROE (%) only.
PRA' s 10-Year ROE (%) Range
Min: 2.66  Med: 13.27 Max: 25.1
Current: 8.29
2.66
25.1
ROA (%) 3.55
PRA's ROA (%) is ranked higher than
60% of the 62 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 2.84 vs. PRA: 3.55 )
Ranked among companies with meaningful ROA (%) only.
PRA' s 10-Year ROA (%) Range
Min: 0.51  Med: 3.83 Max: 5.93
Current: 3.55
0.51
5.93
ROC (Joel Greenblatt) (%) 648.61
PRA's ROC (Joel Greenblatt) (%) is ranked higher than
70% of the 46 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 274.90 vs. PRA: 648.61 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PRA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 500.88  Med: 969.35 Max: 1417.22
Current: 648.61
500.88
1417.22
Revenue Growth (3Y)(%) 7.20
PRA's Revenue Growth (3Y)(%) is ranked lower than
52% of the 48 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 8.50 vs. PRA: 7.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PRA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.4  Med: 8.70 Max: 26.2
Current: 7.2
-7.4
26.2
EBITDA Growth (3Y)(%) -9.40
PRA's EBITDA Growth (3Y)(%) is ranked lower than
84% of the 38 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 14.50 vs. PRA: -9.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PRA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -9.40 Max: 58
Current: -9.4
0
58
EPS Growth (3Y)(%) -10.80
PRA's EPS Growth (3Y)(%) is ranked lower than
82% of the 38 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 14.00 vs. PRA: -10.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PRA' s 10-Year EPS Growth (3Y)(%) Range
Min: -35.7  Med: 14.70 Max: 90.3
Current: -10.8
-35.7
90.3
» PRA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

PRA Guru Trades in Q2 2014

David Dreman 1,317 sh (+46.82%)
Joel Greenblatt Sold Out
Paul Tudor Jones Sold Out
James Barrow Sold Out
Jim Simons 152,600 sh (-34.23%)
Chuck Royce 40,400 sh (-92.83%)
» More
Q3 2014

PRA Guru Trades in Q3 2014

Chuck Royce 54,505 sh (+34.91%)
Jim Simons Sold Out
David Dreman Sold Out
» More
Q4 2014

PRA Guru Trades in Q4 2014

Pioneer Investments 96,732 sh (New)
Jim Simons 59,000 sh (New)
Paul Tudor Jones 9,495 sh (New)
Chuck Royce 287,539 sh (+427.55%)
» More
Q1 2015

PRA Guru Trades in Q1 2015

Pioneer Investments Sold Out
Paul Tudor Jones Sold Out
Chuck Royce 240,639 sh (-16.31%)
Jim Simons 38,500 sh (-34.75%)
» More
» Details

Insider Trades

Latest Guru Trades with PRA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 14.62
PRA's P/E(ttm) is ranked lower than
68% of the 53 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.90 vs. PRA: 14.62 )
Ranked among companies with meaningful P/E(ttm) only.
PRA' s 10-Year P/E(ttm) Range
Min: 6.76  Med: 9.56 Max: 18.54
Current: 14.62
6.76
18.54
PE(NRI) 14.50
PRA's PE(NRI) is ranked lower than
66% of the 53 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 10.80 vs. PRA: 14.50 )
Ranked among companies with meaningful PE(NRI) only.
PRA' s 10-Year PE(NRI) Range
Min: 7.42  Med: 10.49 Max: 21.08
Current: 14.5
7.42
21.08
P/B 1.25
PRA's P/B is ranked lower than
56% of the 61 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.08 vs. PRA: 1.25 )
Ranked among companies with meaningful P/B only.
PRA' s 10-Year P/B Range
Min: 0.93  Med: 1.21 Max: 2.13
Current: 1.25
0.93
2.13
P/S 3.23
PRA's P/S is ranked lower than
80% of the 60 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.40 vs. PRA: 3.23 )
Ranked among companies with meaningful P/S only.
PRA' s 10-Year P/S Range
Min: 1.52  Med: 2.82 Max: 4.62
Current: 3.23
1.52
4.62
POCF 26.73
PRA's POCF is ranked lower than
79% of the 42 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.05 vs. PRA: 26.73 )
Ranked among companies with meaningful POCF only.
PRA' s 10-Year POCF Range
Min: 3.2  Med: 14.33 Max: 79.31
Current: 26.73
3.2
79.31
EV-to-EBIT 10.01
PRA's EV-to-EBIT is ranked lower than
69% of the 52 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 7.65 vs. PRA: 10.01 )
Ranked among companies with meaningful EV-to-EBIT only.
PRA' s 10-Year EV-to-EBIT Range
Min: 3  Med: 6.40 Max: 18.8
Current: 10.01
3
18.8
PEG 5.00
PRA's PEG is ranked lower than
84% of the 25 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.48 vs. PRA: 5.00 )
Ranked among companies with meaningful PEG only.
PRA' s 10-Year PEG Range
Min: 0.13  Med: 0.44 Max: 15.01
Current: 5
0.13
15.01
Shiller P/E 11.07
PRA's Shiller P/E is ranked higher than
69% of the 36 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.72 vs. PRA: 11.07 )
Ranked among companies with meaningful Shiller P/E only.
PRA' s 10-Year Shiller P/E Range
Min: 9.71  Med: 12.19 Max: 33.28
Current: 11.07
9.71
33.28
Days Sales Outstanding 89.64
PRA's Days Sales Outstanding is ranked lower than
55% of the 29 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 58.49 vs. PRA: 89.64 )
Ranked among companies with meaningful Days Sales Outstanding only.
PRA' s 10-Year Days Sales Outstanding Range
Min: 51.02  Med: 212.53 Max: 431.09
Current: 89.64
51.02
431.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.61
PRA's Dividend Yield is ranked lower than
85% of the 85 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.31 vs. PRA: 2.61 )
Ranked among companies with meaningful Dividend Yield only.
PRA' s 10-Year Dividend Yield Range
Min: 0.32  Med: 1.71 Max: 2.77
Current: 2.61
0.32
2.77
Dividend Payout 0.38
PRA's Dividend Payout is ranked higher than
70% of the 50 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.35 vs. PRA: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
PRA' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.25 Max: 0.51
Current: 0.38
0.06
0.51
Dividend growth (3y) 69.20
PRA's Dividend growth (3y) is ranked higher than
93% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 9.10 vs. PRA: 69.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
PRA' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 69.2
Current: 69.2
0
69.2
Yield on cost (5-Year) 2.61
PRA's Yield on cost (5-Year) is ranked lower than
94% of the 83 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 4.56 vs. PRA: 2.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PRA' s 10-Year Yield on cost (5-Year) Range
Min: 0.32  Med: 1.71 Max: 2.77
Current: 2.61
0.32
2.77
Share Buyback Rate 1.20
PRA's Share Buyback Rate is ranked higher than
58% of the 38 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.40 vs. PRA: 1.20 )
Ranked among companies with meaningful Share Buyback Rate only.
PRA' s 10-Year Share Buyback Rate Range
Min: 3.5  Med: 0.20 Max: -9.6
Current: 1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
PRA's Price/Tangible Book is ranked lower than
62% of the 55 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.26 vs. PRA: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
PRA' s 10-Year Price/Tangible Book Range
Min: 0.77  Med: 1.40 Max: 2.38
Current: 1.44
0.77
2.38
Price/Projected FCF 1.57
PRA's Price/Projected FCF is ranked lower than
83% of the 30 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.96 vs. PRA: 1.57 )
Ranked among companies with meaningful Price/Projected FCF only.
PRA' s 10-Year Price/Projected FCF Range
Min: 0.26  Med: 1.48 Max: 2.7
Current: 1.57
0.26
2.7
Price/Median PS Value 1.14
PRA's Price/Median PS Value is ranked lower than
54% of the 52 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 1.10 vs. PRA: 1.14 )
Ranked among companies with meaningful Price/Median PS Value only.
PRA' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 0.94 Max: 1.56
Current: 1.14
0.29
1.56
Price/Graham Number 0.94
PRA's Price/Graham Number is ranked lower than
65% of the 46 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 0.73 vs. PRA: 0.94 )
Ranked among companies with meaningful Price/Graham Number only.
PRA' s 10-Year Price/Graham Number Range
Min: 0.49  Med: 0.90 Max: 3.07
Current: 0.94
0.49
3.07
Earnings Yield (Greenblatt) (%) 9.93
PRA's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 59 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 12.10 vs. PRA: 9.93 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PRA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.3  Med: 15.70 Max: 33.3
Current: 9.93
5.3
33.3
Forward Rate of Return (Yacktman) (%) 0.97
PRA's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 32 Companies
in the Global Insurance - Specialty industry.

( Industry Median: 11.42 vs. PRA: 0.97 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PRA' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1  Med: 19.80 Max: 106
Current: 0.97
1
106

Business Description

Industry: Insurance - Specialty » Insurance - Specialty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:PRK.Germany,
Proassurance Corp was incorporated in Delaware in 2001 as the successor to Medical Assurance, Inc. in conjunction with its merger with Professionals Group, Inc. It is a holding company for property and casualty insurance companies. It provides professional liability insurance for healthcare professionals and facilities, professional liability insurance for attorneys, liability insurance for medical technology and life sciences risks, and workers' compensation insurance. The Company operates through multiple insurance organizations with four areas, namely professional liability insurance, medical technology and life sciences products liability insurance, and workers' compensation insurance and international property and casualty insurance and reinsurance. Its professional liability business is focused on providing professional liability insurance to healthcare providers and institutions and to attorneys and their firms. Its Medical Technology and Life Sciences business offers products liability insurance for medical technology and life sciences companies that manufacture or distribute products that are almost all regulated by the United States Food and Drug Administration. Products insured include imaging and non-invasive diagnostic medical devices, orthopedic implants, pharmaceuticals, clinical lab instruments, medical instruments, dental products, and animal pharmaceuticals and medical devices. It also provides coverage for clinical trials and contract manufacturers. Its workers' compensation business consists of two major business activities, being Workers' compensation insurance coverages provided to employers, generally those with 1,000 employees or less. Types of policies offered include guaranteed cost policies, policyholder dividend policies, retrospectively-rated policies, deductible policies, and alternative market products; and Alternative market workers' compensation solutions provided to individual companies, groups and associations (referred to hereafter as cell participants) whereby policies written are 100% reinsured by related segregated portfolio cells of its subsidiary domiciled in the Cayman Islands. The pool of assets and associated liabilities of each segregated portfolio cell are solely for the benefit of the cell participants, and the pool of assets of one segregated portfolio cell are statutorily protected from the creditors of the others. The underwriting results and investment income of the segregated portfolio cells are shared with the cell participants in accordance with the terms of the cell agreements. The Company principally receive fee revenue from the cells, and for cells in which it is a cell participant, a percentage of the profit or loss of the cell. For its healthcare professional liability business, it competes in a fragmented market comprised of many insurers, ranging from single state mono-line insurers to large national carriers offering multiple product lines. Competition in the legal pro
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