PRA Stock Analysis: Buy, Sell, or Hold?
PRA - ProAssurance Corporation
$24.72
0.08 (0.32%)
▲
5d:
+0.08%
30d:
+0.77%
90d:
+2.83%
HOLD
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: May 05, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PRA shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: PRA shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$29.71
Based on 2.9% avg growth
INTRINSIC VALUE TODAY
$18.45
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PRA is currently trading at $24.72, which is considered extended relative to its 30-day fair value range of $24.50 to $24.67. The stock's valuation (Forward PE: 22.1) is in line with its historical norms (23.0). Remarkably, the market is currently pricing in an annual earnings decline of 1.4% over the next few years. This pessimistic expectation contrasts with the company's recent 105.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PRA is in a strong uptrend. The price is currently testing key support at $24.42. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PRA is in a strong uptrend. The price is currently testing key support at $24.42. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$24.50 -
$24.67
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
56.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Options cheap (IV 0th percentile)
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($25.00)
Fair Price Analysis
30-Day Fair Range
$24.50 -
$24.67
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$0.23
(0.9%)
Support & Resistance Levels
Support Level
$24.42
Resistance Level
$24.85
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
22.07
Wall Street Target
$25.00
(+1.1%)
Revenue Growth (YoY)
-4.1%
Earnings Growth (YoY)
105.2%
Profit Margin
4.6%
Valuation Discount vs History
-1.4% cheaper
PE vs Historical
22.1 vs 23.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.4%
(market-implied from PE analysis)
1-Year Target
$24.37
(-1%)
2-Year Target
$24.03
(-3%)
3-Year Target
$23.70
(-4%)
3-Yr Target (if PE normalizes)
(PE: 22→23)
$24.69
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 1.8%)
$26.42
(+7%)
Base:
(SPY PE: 22.1, Growth: 1.8%)
$26.09
(+6%)
Bear:
(PE: 18.8, Growth: 1.8%)
$22.18
(-10%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (25x PE), but valuation improves significantly next year (22x PE) as earnings recover.
Trailing PE: 24.83 | Current EPS (TTM): $0.99
Bull Case
$30.59
(+24%)
Analyst growth 13.1%, PE expands to 27.3
Base Case
$27.81
(+13%)
Market implied 13.1%, PE stable at 24.8
Bear Case
$16.71
(-32%)
Severe decline -20.0%, PE contracts to 21.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 22.1 to 23.0
Stabilization Target:
$25.76
(+4.2%)
PE Expansion Potential:
+4.2%
Share & Embed Analysis
Last updated: March 31, 2026 10:37 PM ET
Data refreshes hourly during market hours. Next update: 11:37 PM
Data refreshes hourly during market hours. Next update: 11:37 PM
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Technical Signals Check
Is PRA showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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