Profitability
Weight: 25%
F
21
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 71.2%
- Loss Ratio Trend +6.87 pp/yr
PRA
ProAssurance Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
D+
43
- 5yr Avg ROE 2.9%
- 5yr Share-Count CAGR -0.8%
Growth Quality
Weight: 10%
D
36
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 3.3%
- Loss Ratio Trend (growth quality check) +6.87 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
A-
82
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 9.7%
- Loss Ratio Stability (σ) 0.30
Balance Sheet
Weight: 25%
B
74
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.69x
- Interest Coverage (EBIT/Int) 4.46x
Stability
Weight: 10%
D
34
- EPS Volatility (σ/μ) 0.63
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 3
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.