Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

37.31 

-0.40 -1.1%

as of Jul 22 '19

52 Week Range:

34.11 49.48


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

ProAssurance Corporation, through its subsidiaries, provides property and casualty insurance, and reinsurance products in the United States. The company operates through Specialty Property and Casualty, Workers' Compensation Insurance, Segregated Portfolio Cell Reinsurance, and Lloyd's Syndicate segments. It offers 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 for employers, groups, and associations. The company also participates in Lloyd's of London Syndicate 1729, which underwrites property and casualty insurance, and reinsurance; and Syndicate 6131 that underwrites contingency and specialty property insurance. ProAssurance Corporation markets its products through independent agencies and brokers, as well as an internal sales force. The company was founded in 1976 and is headquartered in Birmingham, Alabama.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 21.24
26.30
30.17
33.09
36.84
38.78
41.06
37.79
38.35
34.62
29.59
growth rate 23.8% 14.7% 9.7% 11.3% 5.3% 5.9% -8.0% 1.5% -9.7% -14.5%
Earnings BIT 248.39
318.76
332.68
414.60
395.97
397.16
278.29
143.45
192.23
145.47
45.14
growth rate 28.3% 4.4% 24.6% -4.5% 0.3% -29.9% -48.5% 34.0% -24.3% -69.0%
Avg.PE 10.11
8.02
8.42
8.58
9.47
10.10
13.63
19.18
24.26
19.05
25.84
growth rate -20.7% 5.0% 1.9% 10.4% 6.7% 35.0% 40.7% 26.5% -21.5% 35.6%
ROA 4.08
4.97
4.86
5.82
5.58
5.93
3.81
2.31
3.03
2.15
0.99
growth rate 21.8% -2.2% 19.8% -4.1% 6.3% -35.8% -39.4% 31.2% -29.0% -54.0%
ROE 13.27
14.20
13.01
14.28
12.42
12.76
8.64
5.65
8.04
6.32
3.02
growth rate 7.0% -8.4% 9.8% -13.0% 2.7% -32.3% -34.6% 42.3% -21.4% -52.2%
ROIC 12.69
13.97
12.77
14.05
12.02
11.89
8.20
growth rate 10.1% -8.6% 10.0% -14.5% -1.1% -31.0%
Leverage 3.01
2.73
2.63
2.31
2.15
2.15
2.40
2.51
2.81
3.09
3.02
growth rate -9.3% -3.7% -12.2% -6.9% 0.0% 11.6% 4.6% 12.0% 10.0% -2.3%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 384.62
315.88
387.60
203.63
233.43
223.48
238.09
261.47
growth rate -17.9% 22.7% -47.5% 14.6% -4.3% 6.5% 9.8%
Acct.Payable 82.04
45.59
34.32
17.45
30.11
30.00
37.73
636.52
growth rate -44.4% -24.7% -49.2% 72.6% -0.4% 25.8% 1,587.2%
Cur.Assets 1,122.98
1,208.77
1,488.83
1,659.86
1,529.27
growth rate 7.6% 23.2% 11.5% -7.9%
Total Assets 4,280.90
4,647.40
4,875.10
4,998.88
4,876.58
5,150.10
5,169.16
4,906.02
5,065.18
4,929.20
4,600.73
growth rate 8.6% 4.9% 2.5% -2.5% 5.6% 0.4% -5.1% 3.2% -2.7% -6.7%
Cash 3.50
40.60
50.90
130.40
118.55
207.38
197.04
241.10
117.35
134.50
80.47
growth rate 1,060.0% 25.4% 156.2% -9.1% 74.9% -5.0% 22.4% -51.3% 14.6% -40.2%
Cur.Liabilities 546.78
478.33
702.51
750.83
1,148.78
growth rate -12.5% 46.9% 6.9% 53.0%
Liabilities 2,857.40
2,942.80
3,019.20
2,834.43
2,606.00
2,755.69
3,011.22
2,947.67
3,266.48
3,334.40
3,077.72
growth rate 3.0% 2.6% -6.1% -8.1% 5.7% 9.3% -2.1% 10.8% 2.1% -7.7%
LT Debt 34.90
50.20
51.10
131.73
170.59
284.32
250.00
347.86
448.20
411.81
287.76
growth rate 43.8% 1.8% 157.8% 29.5% 66.7% -12.1% 39.1% 28.9% -8.1% -30.1%
Equity 1,423.60
1,704.60
1,855.90
2,164.45
2,270.58
2,394.41
2,157.94
1,958.35
1,798.70
1,594.80
1,523.00
growth rate 19.7% 8.9% 16.6% 4.9% 5.5% -9.9% -9.3% -8.2% -11.3% -4.5%
Common Shares 69.00
66.00
64.00
62.00
62.00
62.00
60.00
55.00
53.00
54.00
54.00
growth rate -4.4% -3.0% -3.1% 0.0% 0.0% -3.2% -8.3% -3.6% 1.9% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.00
0.00
0.00
0.00
0.00
5.85
2.88
9.52
10.92
10.49
9.64
growth rate -50.7% 230.4% 14.7% -4.0% -8.1%
Cash Dividends 0.00
0.00
0.00
7.62
200.12
46.38
71.25
69.37
65.77
65.92
66.18
growth rate 2,527.3% -76.8% 53.6% -2.6% -5.2% 0.2% 0.4%
Cash From OA 167.90
75.40
139.20
159.36
91.25
38.60
96.00
111.12
178.98
173.39
177.27
growth rate -55.1% 84.6% 14.5% -42.7% -57.7% 148.7% 15.8% 61.1% -3.1% 2.2%
FCF per Share 2.40
1.14
2.16
2.21
1.48
0.87
1.91
1.71
2.33
2.30
3.12
growth rate -52.5% 89.5% 2.3% -33.0% -41.2% 119.5% -10.5% 36.3% -1.3% 35.7%
Sale Purchase of Stock -21.01
-29.09
-222.36
-171.94
7.85
2.94
growth rate 0.0% 0.0% 0.0% 100.0% -62.6%
FCF 165.00
75.00
139.00
159.00
91.00
39.00
96.00
102.00
158.00
136.00
168.00
growth rate -54.6% 85.3% 14.4% -42.8% -57.1% 146.2% 6.3% 54.9% -13.9% 23.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 567.20
672.70
692.10
716.78
715.85
740.18
852.33
772.08
870.21
866.15
886.03
growth rate 18.6% 2.9% 3.6% -0.1% 3.4% 15.2% -9.4% 12.7% -0.5% 2.3%
Op.Income 248.39
318.76
332.68
287.10
275.47
297.52
278.29
143.45
192.23
145.47
45.14
growth rate 28.3% 4.4% -13.7% -4.1% 8.0% -6.5% -48.5% 34.0% -24.3% -69.0%
IBT 248.40
318.80
332.70
414.60
395.97
397.16
262.01
128.86
176.20
128.62
29.03
growth rate 28.3% 4.4% 24.6% -4.5% 0.3% -34.0% -50.8% 36.7% -27.0% -77.4%
Net Income 177.70
222.00
231.60
287.10
275.47
297.52
196.57
116.20
151.08
107.26
47.06
growth rate 24.9% 4.3% 24.0% -4.1% 8.0% -33.9% -40.9% 30.0% -29.0% -56.1%
EPS 2.61
3.35
3.60
4.65
4.46
4.80
3.30
2.11
2.83
2.00
0.88
growth rate 28.4% 7.5% 29.2% -4.1% 7.6% -31.3% -36.1% 34.1% -29.3% -56.0%
Gross Profit 255.28
325.08
335.97
418.08
400.31
367.60
280.13
144.30
200.38
161.24
54.26
growth rate 27.3% 3.4% 24.4% -4.3% -8.2% -23.8% -48.5% 38.9% -19.5% -66.4%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 12.14
32.07
34.62
-33.69
42.94
growth rate 164.2% 8.0% -100.0% 100.0%
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 247.64
279.65
283.69
261.47
292.43
growth rate 12.9% 1.5% -7.8% 11.8%
Acct.Payable 46.93
51.57
54.17
636.52
54.69
growth rate 9.9% 5.1% 1,075.0% -91.4%
Cur.Assets 1,028.84
976.35
1,004.98
1,529.27
1,048.83
growth rate -5.1% 2.9% 52.2% -31.4%
Total Assets 4,678.92
4,583.46
4,653.44
4,600.73
4,717.11
growth rate -2.0% 1.5% -1.1% 2.5%
Cash 43.25
66.72
87.56
80.47
71.83
growth rate 54.3% 31.2% -8.1% -10.7%
Cur.Liabilities 537.30
538.70
570.39
1,148.78
588.09
growth rate 0.3% 5.9% 101.4% -48.8%
Liabilities 3,109.76
3,008.85
3,066.55
3,077.72
3,155.21
growth rate -3.2% 1.9% 0.4% 2.5%
LT Debt 371.53
288.27
288.01
287.76
305.52
growth rate -22.4% -0.1% -0.1% 6.2%
Equity 1,569.17
1,574.62
1,586.90
1,523.00
1,561.90
growth rate 0.4% 0.8% -4.0% 2.6%
Common Shares 0.63
0.63
0.63
0.63
0.63
growth rate 0.0% 0.0% 0.0% 0.2%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 1.84
3.28
2.56
1.96
2.57
growth rate 78.5% -21.9% -23.3% 31.0%
Cash Dividends 16.54
16.54
16.55
16.55
16.59
growth rate 0.0% 0.0% 0.0% 0.2%
Cash From OA 73.35
-7.79
80.83
30.87
34.39
growth rate -100.0% 100.0% -61.8% 11.4%
Sale Purchase of Stock 0.25
growth rate
FCF 71.52
-11.07
78.27
28.91
31.82
growth rate -100.0% 100.0% -63.1% 10.1%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 201.03
256.19
249.33
179.48
268.88
growth rate 27.4% -2.7% -28.0% 49.8%
Op.Income 12.14
32.07
34.62
-33.69
42.94
growth rate 164.2% 8.0% -100.0% 100.0%
IBT 8.43
28.11
31.02
-38.54
38.61
growth rate 233.3% 10.4% -100.0% 100.0%
Net Income 11.86
28.42
31.23
-24.45
31.65
growth rate 139.7% 9.9% -100.0% 100.0%
EPS
growth rate
Gross Profit 13.89
34.86
39.88
-34.35
47.73
growth rate 151.0% 14.4% -100.0% 100.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (11.12)

YOY Growth Grade:

E (24.32)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 30.63 29.92 33.51
EPS / Growth -14.4% 1.25 27.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 22.05 22.05
Future EPS 1.38 1.38 1.38
Value Price
MOS %
0.68
-98.2%
7.51
-79.9%
7.51
-79.9%
MOS Price 0.34 3.75 3.75
IRT 26.08 26.08 26.08

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.