NYSE$PRA

ProAssurance Corporation · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

ProAssurance reported a net loss and an operating loss for the third quarter of 2023, impacted by unfavorable prior accident year reserve development and market headwinds.

ProAssurance Corporation reported a net loss of $49.4 million, or $0.95 per diluted share, and an operating loss of $3.7 million, or $0.07 per diluted share, for the three months ended September 30, 2023. The results were affected by unfavorable prior accident year reserve development in the Workers’ Compensation Insurance segment and challenging market conditions.

  • Gross premiums written increased by 4% to $320 million.
  • New business written saw a significant increase of 82% to $29 million.
  • Unfavorable prior accident year reserve development of $8 million related to Workers’ Compensation Insurance business.
  • Net investment income improved by 32% to $33 million.

Headline financials

Total Revenue

$276M

Previous: $273M+1.0%
EPS (adj)

-$0.07

Previous: -$0.06-16.7%
Combined Ratio

116.7%

Previous: 107.9%+8.2%
Operating Ratio

103.2%

Previous: 98.3%+5.0%
Capital Expenditures

-$1.23M

No prior period
Free Cash Flow

-$49.4M

Previous: -$9.13M-441.7%
Net Income

-$49.4M

Previous: -$9.13M-441.7%
Operating Income

-$51.3M

Previous: -$5.67M-804.4%
Gross Profit

$34M

Previous: $40.2M-15.4%
Cash & Equivalents

$62.1M

Previous: $41.4M+50.1%
Total Assets

$5.57B

Previous: $5.78B-3.6%
Stock-Based Comp

$1.44M

Previous: $1.29M+11.9%

Revenue & EPS history

ProAssurance · Revenue · Quarterly

$276M

Q3 2023+1%vs Q3 2022
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Revenue by segment

ProAssurance · $244M total across 3 segments · Q3 2023

  • Specialty P&C
    $197M
  • Workers' Compensation Insurance
    $40.2M
  • Segregated Portfolio Cell Reinsurance
    $6.76M

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2023

Historical avgQ3 2023

-0.4%

Avg return

Earnings day

-1.1%

Avg return

5 days after

-0.7%

Avg return

30 days after

56%

38 / 68 earnings

Positive

+18.1%

Q2 2024

Best reaction

-22.1%

Q3 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.0%+0.2%-0.5%
Q4 2025+0.4%+0.6%+1.3%
Q3 2025+0.2%+0.3%-0.4%
Q1 2025-0.2%+0.2%+0.8%
Q4 2024+14.3%+10.8%+65.5%
Q3 2024+3.0%+3.7%+2.5%
Q2 2024+18.1%+15.5%+14.6%
Q1 2024+9.6%+6.9%+0.7%
Q4 2023-4.7%+0.2%-0.8%
Q3 2023-22.1%-27.6%-27.7%
Q2 2023+8.2%+8.2%+3.7%
Q1 2023-21.5%-21.3%-22.5%
Q4 2022+4.7%+3.7%-5.9%
Q3 2022-12.7%-11.2%-14.4%
Q2 2022+6.1%+6.7%-4.3%
Q1 2022-12.7%-15.0%-8.0%
Q4 2021+1.1%-0.9%+3.4%
Q3 2021-0.9%-2.0%-6.3%
Q2 2021+5.4%+17.5%+23.7%
Q1 2021+1.1%-3.1%-6.8%
Q4 2020+5.0%+5.6%+13.7%
Q3 2020-10.2%+2.0%+8.6%
Q2 2020-2.1%-5.1%-12.2%
Q1 2020-18.0%-22.1%-17.0%
Q4 2019-0.2%-5.4%-22.7%
Q3 2019+1.4%-1.6%-5.3%
Q2 2019-0.6%+1.6%+3.7%
Q1 2019-0.9%+4.2%+6.7%
Q4 2018-3.7%-9.3%-22.3%
Q3 2018+4.2%-0.4%-4.9%
Q2 2018+5.5%+6.8%+16.1%
Q1 2018-13.5%-12.7%-17.2%
Q4 2017-6.9%-5.4%-7.5%
Q3 2017+6.1%+5.5%+7.7%
Q2 2017-5.0%-6.0%-10.7%
Q1 2017+1.1%-2.4%-1.0%
Q4 2016+8.9%+4.9%+4.0%
Q3 2016-2.5%-1.6%+10.6%
Q2 2016+2.4%+5.4%+5.7%
Q1 2016+1.1%
Q4 2015-3.3%
Q3 2015-0.9%
Q2 2015+0.1%
Q1 2015-3.5%
Q4 2014+0.1%
Q3 2014-4.9%
Q2 2014-0.4%
Q1 2014-0.6%
Q4 2013-2.2%
Q3 2013+2.7%
Q2 2013-6.3%
Q1 2013+0.1%
Q4 2012+0.9%
Q3 2012-1.9%
Q2 2012+0.9%
Q1 2012+1.5%
Q4 2011+5.7%
Q4 2010+5.7%
Q3 2011+2.0%
Q2 2011+1.8%
Q1 2010+0.4%
Q1 2011+0.6%
Q4 2008+8.2%
Q3 2009+4.2%
Q3 2010+4.2%
Q2 2010-3.5%
Q2 2009-3.5%
Q4 2009-3.5%

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