PRA · Proassurance Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.10B | $1.15B | $1.14B | $1.11B | $1.12B | $874.94M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $72.07M | $63.08M | ($39.15M) | ($6.22M) | $146.61M | ($217.06M) |
| Interest Expense | - | - | $23.15M | $20.37M | $19.72M | $15.50M |
| Income Tax | $21.15M | $10.33M | ($545.0K) | ($5.81M) | $2.48M | ($41.33M) |
| Net Income | $50.91M | $52.74M | ($38.60M) | ($402.0K) | $144.12M | ($175.73M) |
| EPS - Basic | $0.99 | $1.03 | ($0.73) | ($0.01) | $2.67 | ($3.26) |
| EPS - Diluted | $0.99 | $1.03 | ($0.73) | ($0.01) | $2.67 | ($3.26) |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $36.49M | $54.88M | $65.90M | $29.96M | $143.60M | $215.78M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $5.45B | $5.57B | $5.63B | $5.70B | $6.19B | $4.65B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $420.42M | $424.87M | $427.13M | $426.98M | $424.99M | $284.71M |
| Total Liabilities | $4.10B | $4.37B | $4.52B | $4.60B | $4.76B | $3.31B |
| Stockholders' Equity | $1.35B | $1.20B | $1.11B | $1.10B | $1.43B | $1.35B |
| Retained Earnings | $1.49B | $1.43B | $1.38B | $1.42B | $1.43B | $1.30B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | ($25.62M) | ($10.71M) | ($49.88M) | ($29.84M) | $73.97M | $92.34M |
| Investing Cash Flow | $19.44M | $10.67M | $141.14M | ($62.00M) | ($85.53M) | ($8.48M) |
| Financing Cash Flow | ($12.20M) | ($10.97M) | ($55.31M) | ($21.80M) | ($60.62M) | ($43.45M) |
| CapEx | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 6.6% | 5.5% | -3.4% | -0.6% | 13.0% | -24.8% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 4.6% | 4.6% | -3.4% | -0.0% | 12.8% | -20.1% |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 29.4% | 16.4% | - | - | 1.7% | - |
| Return on assets | 0.9% | 0.9% | -0.7% | -0.0% | 2.3% | -3.8% |
| Return on equity | 3.8% | 4.4% | -3.5% | -0.0% | 10.1% | -13.0% |
| Return on invested capital | 2.9% | 3.2% | -2.0% | -0.3% | 7.8% | -10.5% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.31 | 0.35 | 0.38 | 0.39 | 0.30 | 0.21 |
| Debt / Assets | 0.08 | 0.08 | 0.08 | 0.07 | 0.07 | 0.06 |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | -1.7x | -0.3x | 7.4x | -14.0x |
| Equity multiplier | 4.04 | 4.64 | 5.06 | 5.16 | 4.33 | 3.45 |
| Liabilities / Assets | 0.75 | 0.78 | 0.80 | 0.81 | 0.77 | 0.71 |
| Efficiency | ||||||
| Asset turnover | 0.20 | 0.21 | 0.20 | 0.19 | 0.18 | 0.19 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | -4.6% | 1.2% | 2.8% | -1.6% | 28.5% | -12.5% |
| Revenue CAGR (3y) | -0.3% | 0.8% | 9.1% | 3.4% | 8.3% | 0.3% |
| Revenue CAGR (5y) | 4.6% | 2.8% | 5.1% | 5.0% | 5.3% | 2.5% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 14.3% | - | -529.8% | - | - | -653.6% |
| Net income growth (YoY) | -3.5% | - | -9503.0% | - | - | - |
| EPS growth (YoY) | -3.9% | - | -7200.0% | - | - | - |
| EPS CAGR (3y) | - | -27.2% | - | - | 44.8% | - |
| EPS CAGR (5y) | - | 120.0% | - | - | -1.2% | - |
| FCF growth (YoY) | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | 12.3% | 8.1% | 0.7% | -22.7% | 5.9% | -10.8% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✗Operating cash flow positive
- ✗ROA improved YoY
- ✗Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing PROASSURANCE CORP against the 5 most active filers in the same SIC group.