$24.62

-0.01 (-0.04%)

Weekly Expected Move ±0.5%

$24 $24 $25 $25 $25

NYSE · Financial Services · Insurance - Property & Casualty · Alpha Radar Neutral · Power 44 · $1.3B mcap · 47M float · 1.76% daily turnover · Short 59% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

28.1 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 4.4% · 5Y Avg: 2.8%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. PRA has No discernible competitive edge (28.1/100). The business operates without significant structural advantages. The primary source of advantage is Intangible Assets. ROIC of 4.4% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 8Sell: 1Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-11-11	Truist Financial	Mark Hughes	Initiated	$18	—	+4.0%	$17.31
2024-07-17	JMP Securities	Matthew Carletti	Initiated	$20	—	+68.6%	$11.86
2024-05-15	Piper Sandler	Paul Newsome	Initiated	$17	—	+15.5%	$14.72

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. PRA receives an overall rating of B-. Strongest factors: ROA (4/5). Areas of concern: DCF (1/5), ROE (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-05-08	B	B-
2026-05-06	C+	B
2026-04-24	B-	C+
2026-04-01	C+	B-
2026-03-02	B-	C+
2026-02-24	C+	B-
2026-02-23	B-	C+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 17 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. PRA scores highest in Safety (100/100) and lowest in Cash Flow (18/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-I Score

6.23

Safe Zone

Piotroski F-Score

3/9

✓ ✗ ✓ ✗ ✗ ✗ ✗ ✓ ✗

Beneish M-Score

-3.31

Unlikely Manipulator

Ohlson O-Score

-4.75

Bankruptcy prob: 0.9%

Low Risk

Credit Rating

BBB-

Score: 53.8/100

Trend: Stable

Earnings Quality

25/100

OCF/NI: -0.54x

Accruals: 1.8%

The Altman-I Score is adapted for insurance companies, emphasizing return on equity, tangible net worth, and cash reserves alongside the standard equity and earnings components. PRA scores 6.23, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. PRA scores 3/9, suggesting weak financial fundamentals — the company fails the majority of these accounting tests. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. PRA's score of -3.31 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. PRA's implied 0.9% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. PRA receives an estimated rating of BBB- (score: 53.8/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). PRA's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

19.44x

PEG

0.37x

P/S

1.18x

P/B

0.95x

P/FCF

-33.34x

P/OCF

—

EV/EBITDA

11.60x

EV/Revenue

1.30x

EV/EBIT

12.97x

EV/FCF

-36.58x

Earnings Yield

5.09%

FCF Yield

-3.00%

Shareholder Yield

0.09%

Graham Number

$27.15

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 19.4x earnings, PRA trades at a reasonable valuation. An earnings yield of 5.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $27.15 per share, suggesting a potential 10% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.744

NI / EBT

Interest Burden

0.808

EBT / EBIT

EBIT Margin

0.100

EBIT / Rev

Asset Turnover

0.196

Rev / Assets

Equity Multiplier

4.321

Assets / Equity

ROE

5.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. PRA's ROE of 5.1% is driven by financial leverage (equity multiplier: 4.32x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

53.06%

Fair P/E

114.61x

Intrinsic Value

$144.22

Price/Value

0.17x

Margin of Safety

82.86%

Premium

-82.86%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with PRA's realized 53.1% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $144.22, PRA appears undervalued with a 83% margin of safety. The adjusted fair P/E of 114.6x compares to the current market P/E of 19.4x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$24.61

Median 1Y

$21.57

5th Pctile

$10.62

95th Pctile

$43.90

Ann. Volatility

42.5%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Edward L. Rand, Jr. Chief Executive Officer and President	$1,029,231	$2,593,355	$6,226,834
Robert D. Francis President, Medical Professional Liability	$604,808	$766,215	$2,415,135
Jeffrey P. Lisenby Executive Vice President, Corporate Secretary and General Counsel	$526,393	$671,915	$2,087,357
Dana S. Hendricks Chief Financial Officer, Treasurer and Executive Vice President	$507,127	$671,915	$2,049,595
Kevin M. Shook President, Eastern Alliance Insurance Group	$479,947	$671,915	$1,790,417

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

1,000

-3.5% YoY

Revenue / Employee

$1,098,028

Rev: $1,098,028,000

Profit / Employee

$50,915

NI: $50,915,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	-2.5%	8.8%	10.4%	9.6%	2.8%	1.3%	-0.0%	-0.2%	0.7%	-2.5%	-3.5%	-2.5%	-2.1%	3.9%	4.6%	3.7%	4.2%	2.9%	4.0%	5.1%	5.11%
ROA	-0.8%	2.7%	2.7%	2.4%	0.7%	0.3%	-0.0%	-0.1%	0.2%	-0.5%	-0.7%	-0.5%	-0.4%	0.8%	0.9%	0.8%	0.9%	0.6%	0.9%	1.2%	1.18%
ROIC	1.7%	-9.3%	-6.2%	-5.7%	-1.7%	-0.8%	0.2%	0.3%	-0.4%	1.2%	-2.1%	-1.4%	-1.1%	2.9%	-2.3%	-1.9%	-2.2%	-1.5%	3.5%	4.4%	4.42%
ROCE	-0.3%	3.2%	2.7%	2.5%	1.0%	0.6%	0.2%	0.2%	0.5%	-0.2%	-0.6%	-0.1%	0.1%	2.9%	1.5%	1.3%	1.5%	1.2%	4.9%	5.7%	5.75%
Gross Margin	22.7%	14.6%	23.5%	12.0%	15.4%	16.8%	24.7%	13.1%	20.8%	12.3%	22.3%	18.9%	22.0%	25.6%	23.3%	17.1%	29.6%	19.7%	52.0%	33.7%	33.67%
Operating Margin	32.8%	4.1%	12.7%	-2.0%	-1.4%	-4.2%	5.0%	-3.0%	4.8%	-19.6%	3.3%	1.9%	6.4%	7.5%	6.6%	-2.4%	10.1%	1.6%	17.3%	3.5%	3.50%
Net Margin	34.1%	4.1%	10.8%	-1.3%	-0.7%	-3.3%	4.7%	-2.3%	3.7%	-17.9%	2.2%	1.6%	5.5%	5.9%	5.7%	-2.2%	8.1%	0.5%	12.4%	3.2%	3.22%
EBITDA Margin	38.3%	9.5%	18.1%	3.3%	4.5%	1.2%	9.6%	1.8%	8.8%	-15.3%	7.6%	5.8%	9.9%	10.9%	9.9%	1.0%	13.3%	4.7%	20.3%	6.5%	6.55%
FCF Margin	12.4%	8.5%	6.5%	4.9%	3.2%	0.6%	-3.1%	-7.1%	-8.1%	-7.7%	-4.8%	-3.2%	-1.6%	-1.9%	-1.7%	-1.7%	-2.9%	-1.7%	-2.7%	-3.6%	-3.56%
OCF Margin	13.1%	8.9%	6.9%	5.2%	3.5%	1.0%	-2.7%	-6.7%	-7.8%	-7.4%	-4.4%	-2.8%	-1.1%	-1.2%	-0.9%	-1.0%	-2.3%	-1.2%	-2.4%	-3.3%	-3.27%
ROE 3Y Avg	snapshot only																				1.95%
ROE 5Y Avg	snapshot only																				2.98%
ROA 3Y Avg	snapshot only																				0.49%
ROIC 3Y Avg	snapshot only																				1.64%
ROIC Economic	snapshot only																				3.68%
Cash ROA	snapshot only																				-0.65%
Cash ROIC	snapshot only																				-2.40%
CROIC	snapshot only																				-2.61%
NOPAT Margin	snapshot only																				6.04%
Pretax Margin	snapshot only																				8.12%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				0.00%
SBC / Revenue	snapshot only																				0.56%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	-33.69	10.03	9.38	10.84	32.47	59.00	-2344.68	-331.59	87.77	-31.65	-18.27	-23.66	-27.31	17.96	15.51	28.40	24.22	36.83	24.58	19.64	19.444
P/S Ratio	1.31	1.27	1.26	1.27	1.14	0.95	0.86	0.91	0.72	0.87	0.62	0.58	0.55	0.68	0.73	1.08	1.07	1.13	1.15	1.19	1.177
P/B Ratio	0.90	0.94	0.95	1.01	0.89	0.74	0.85	0.91	0.74	0.89	0.63	0.59	0.56	0.69	0.68	1.00	0.98	1.03	0.93	0.95	0.947
P/FCF	10.53	14.99	19.28	25.66	34.97	146.73	-27.57	-12.75	-8.82	-11.24	-12.90	-18.02	-34.94	-35.34	-41.46	-62.96	-36.64	-68.11	-43.39	-33.34	-33.340
P/OCF	10.00	14.31	18.28	24.19	32.33	93.09	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EV/EBITDA	-102.55	-7.99	-11.77	-11.87	-24.17	-34.64	-45.16	-48.13	-40.49	-145.34	108.19	48.13	40.94	11.81	-25.51	-25.12	-23.23	-27.62	12.91	11.60	11.599
EV/Revenue	-1.62	-1.44	-2.23	-2.03	-2.22	-2.44	-2.14	-2.09	-2.19	-2.05	0.96	0.91	0.89	1.01	-2.33	-2.02	-2.05	-2.01	1.27	1.30	1.302
EV/EBIT	112.82	-9.70	-14.41	-15.04	-40.49	-72.58	-166.57	-185.39	-82.52	190.80	-67.75	-484.43	421.66	14.79	-30.81	-30.69	-27.56	-33.89	14.81	12.97	12.967
EV/FCF	-13.04	-17.03	-34.17	-41.13	-68.24	-377.09	68.97	29.34	26.96	26.54	-19.82	-28.38	-56.06	-52.68	133.38	117.85	70.49	121.13	-47.71	-36.58	-36.577
Earnings Yield	-3.0%	10.0%	10.7%	9.2%	3.1%	1.7%	-0.0%	-0.3%	1.1%	-3.2%	-5.5%	-4.2%	-3.7%	5.6%	6.4%	3.5%	4.1%	2.7%	4.1%	5.1%	5.09%
FCF Yield	9.5%	6.7%	5.2%	3.9%	2.9%	0.7%	-3.6%	-7.8%	-11.3%	-8.9%	-7.8%	-5.6%	-2.9%	-2.8%	-2.4%	-1.6%	-2.7%	-1.5%	-2.3%	-3.0%	-3.00%
PEG Ratio	snapshot only																				0.367
Price/Tangible Book	snapshot only																				0.989
EV/Gross Profit	snapshot only																				3.868
Acquirers Multiple	snapshot only																				16.041
Shareholder Yield	snapshot only																				0.09%
Graham Number	snapshot only																				$27.15

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	—	—	217.72	217.72	217.72	217.72	—	—	—	—	0.18	0.18	0.18	0.18	—	—	—	—	0.15	0.15	0.154
Quick Ratio	—	—	217.72	217.72	217.72	217.72	—	—	—	—	0.18	0.18	0.18	0.18	—	—	—	—	0.15	0.15	0.154
Debt/Equity	0.23	0.23	0.31	0.31	0.31	0.31	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.40	0.37	0.37	0.37	0.37	0.33	0.33	0.331
Net Debt/Equity	-2.01	-2.01	-2.62	-2.62	-2.62	-2.62	-2.99	-2.99	-2.99	-2.99	0.34	0.34	0.34	0.34	-2.87	-2.87	-2.87	-2.87	0.09	0.09	0.092
Debt/Assets	0.07	0.07	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.082
Debt/EBITDA	20.88	1.69	2.19	2.29	4.35	5.72	8.56	9.35	7.28	28.02	44.35	20.64	18.11	4.57	4.29	4.94	4.53	5.53	4.19	3.69	3.685
Net Debt/EBITDA	-185.36	-15.02	-18.41	-19.28	-36.56	-48.12	-63.21	-69.05	-53.74	-206.93	37.77	17.58	15.43	3.89	-33.44	-38.54	-35.31	-43.15	1.17	1.03	1.026
Interest Coverage	-0.83	8.26	8.44	7.33	2.96	1.82	0.69	0.58	1.37	-0.55	-0.69	-0.09	0.10	3.28	3.82	3.35	3.84	3.11	4.46	5.22	5.218
Equity Multiplier	3.45	3.45	4.33	4.33	4.33	4.33	5.16	5.16	5.16	5.16	5.06	5.06	5.06	5.06	4.64	4.64	4.64	4.64	4.04	4.04	4.038
Cash Ratio	snapshot only																				0.090
Debt Service Coverage	snapshot only																				5.833
Cash to Debt	snapshot only																				0.722
FCF to Debt	snapshot only																				-0.086
Defensive Interval	snapshot only																				728.1 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.20	0.21	0.20	0.21	0.21	0.20	0.19	0.19	0.19	0.19	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.196
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	1.47	1.59	1.64	1.74	1.71	1.69	1.57	1.57	1.62	1.61	2.43	2.45	2.44	2.45	2.53	2.50	2.48	2.47	2.45	2.44	2.442
Payables Turnover	15.56	17.25	27.56	29.72	29.83	29.24	35.59	35.41	35.95	36.30	35.61	35.24	35.01	33.75	34.10	33.87	32.77	33.24	36.64	34.33	34.332
DSO	248	230	222	210	213	216	232	232	225	226	150	149	149	149	144	146	147	148	149	149	149.5 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	23	21	13	12	12	12	10	10	10	10	10	10	10	11	11	11	11	11	10	11	10.6 days
Cash Conversion Cycle	224	208	209	198	201	204	222	222	215	216	140	139	139	138	134	135	136	137	139	139	138.8 days
Fixed Asset Turnover	snapshot only																				78.095
Cash Velocity	snapshot only																				3.350
Capital Intensity	snapshot only																				5.047

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-1.7%	8.4%	21.3%	26.2%	21.0%	10.8%	2.5%	-3.3%	1.4%	2.4%	2.6%	3.5%	0.0%	0.8%	-0.2%	-2.1%	-2.6%	-3.5%	-3.9%	-3.2%	-3.16%
Net Income	56.4%	1.5%	1.8%	1.9%	2.1%	-85.9%	-1.0%	-1.0%	-76.3%	-2.7%	-95.0%	-8.2%	-3.5%	2.4%	2.4%	2.5%	3.1%	-21.5%	-3.5%	54.1%	54.14%
EPS	56.5%	1.5%	1.8%	1.9%	2.1%	-85.9%	-1.0%	-1.0%	-76.2%	-2.8%	-100.6%	-8.8%	-3.6%	2.4%	2.4%	2.5%	3.1%	-22.2%	-4.2%	53.1%	53.06%
FCF	86.9%	2.8%	-16.2%	-55.4%	-68.4%	-91.5%	-1.5%	-2.4%	-3.5%	-13.2%	-59.9%	53.4%	80.6%	75.0%	63.9%	47.7%	-79.7%	16.5%	-46.2%	-1.0%	-1.01%
EBITDA	1.1%	1.6%	2.1%	2.4%	6.0%	-56.8%	-74.3%	-75.4%	-40.1%	-79.5%	-80.8%	-55.0%	-60.1%	5.1%	9.3%	3.2%	3.0%	-17.9%	3.3%	35.3%	35.33%
Op. Income	82.7%	1.4%	1.7%	1.8%	2.4%	-87.1%	-1.0%	-1.1%	-79.9%	-3.0%	-5.3%	-1.8%	-3.6%	2.6%	2.6%	3.0%	3.9%	-18.3%	14.3%	70.3%	70.32%
OCF Growth	snapshot only																				-2.31%
Asset Growth	snapshot only																				-2.28%
Equity Growth	snapshot only																				12.26%
Debt Growth	snapshot only																				0.95%
Shares Change	snapshot only																				0.71%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	1.5%	3.3%	7.0%	6.3%	5.9%	5.5%	2.9%	5.4%	6.4%	7.1%	8.4%	8.1%	7.1%	4.6%	1.6%	-0.7%	-0.4%	-0.1%	-0.5%	-0.6%	-0.64%
Revenue 5Y	3.7%	3.9%	4.2%	4.8%	4.7%	4.5%	5.1%	5.6%	5.1%	4.6%	5.2%	3.7%	3.8%	3.9%	2.2%	3.5%	3.3%	3.6%	4.1%	3.7%	3.66%
EPS 3Y	—	12.2%	44.8%	25.5%	-8.0%	-21.0%	—	—	—	—	—	—	—	-28.9%	-27.2%	-30.5%	9.3%	25.6%	—	—	—
EPS 5Y	—	-1.0%	-1.1%	-5.4%	-23.7%	-34.4%	—	—	-36.1%	—	—	—	—	4.7%	1.2%	—	—	—	—	—	—
Net Income 3Y	—	12.4%	45.2%	25.7%	-7.8%	-20.9%	—	—	—	—	—	—	—	-30.2%	-28.5%	-31.7%	7.6%	23.7%	—	—	—
Net Income 5Y	—	-0.8%	-0.9%	-5.2%	-23.5%	-34.2%	—	—	-36.0%	—	—	—	—	3.6%	1.2%	—	—	—	—	—	—
EBITDA 3Y	-53.8%	8.3%	45.3%	26.4%	9.0%	10.1%	1.0%	—	—	—	—	—	18.9%	-18.6%	-20.3%	-22.8%	-1.6%	0.9%	26.9%	36.3%	36.34%
EBITDA 5Y	-38.1%	-1.3%	-1.9%	-4.4%	-13.5%	-17.4%	-21.4%	-19.4%	-16.1%	-35.4%	-31.5%	-25.9%	-20.9%	10.8%	73.8%	—	—	—	—	—	—
Gross Profit 3Y	-7.8%	-8.8%	5.8%	-1.5%	-2.9%	0.8%	10.9%	44.1%	98.7%	1.0%	18.0%	12.1%	2.2%	9.1%	6.0%	5.9%	12.7%	9.3%	18.7%	23.1%	23.13%
Gross Profit 5Y	-9.5%	-11.2%	-11.4%	-11.6%	-12.6%	-11.3%	-8.1%	-5.5%	-3.5%	-4.7%	1.7%	-0.4%	1.3%	6.6%	12.5%	30.5%	57.3%	58.8%	22.0%	19.2%	19.18%
Op. Income 3Y	—	8.6%	71.6%	30.8%	-1.5%	-8.4%	—	—	—	—	—	—	—	-25.4%	-24.5%	-27.1%	14.6%	38.1%	—	—	—
Op. Income 5Y	—	-1.9%	-3.6%	-7.5%	-24.6%	-36.1%	—	—	-40.1%	—	—	—	—	19.9%	—	—	—	—	—	—	—
FCF 3Y	-9.7%	-23.4%	-25.2%	-24.0%	-41.5%	-63.8%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	-3.8%	-7.5%	-15.0%	-19.5%	-23.4%	-45.1%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	-11.1%	-24.0%	-25.3%	-24.5%	-40.9%	-58.7%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 5Y	-3.4%	-8.0%	-15.2%	-20.0%	-23.5%	-41.0%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	-1.9%	-1.9%	10.4%	10.4%	10.4%	10.4%	5.9%	5.9%	5.9%	5.9%	6.6%	6.6%	6.6%	6.6%	-3.4%	-3.4%	-3.4%	-3.4%	-1.5%	-1.5%	-1.50%
Assets 5Y	-1.0%	-1.0%	4.1%	4.1%	4.1%	4.1%	2.9%	2.9%	2.9%	2.9%	4.1%	4.1%	4.1%	4.1%	3.0%	3.0%	3.0%	3.0%	3.2%	3.2%	3.19%
Equity 3Y	-5.4%	-5.4%	-2.1%	-2.1%	-2.1%	-2.1%	-10.0%	-10.0%	-10.0%	-10.0%	-6.2%	-6.2%	-6.2%	-6.2%	-5.6%	-5.6%	-5.6%	-5.6%	6.9%	6.9%	6.91%
Book Value 3Y	-5.6%	-5.6%	-2.4%	-2.3%	-2.3%	-2.3%	-10.1%	-10.1%	-10.0%	-8.9%	-4.6%	-4.5%	-4.6%	-4.6%	-4.0%	-4.0%	-4.1%	-4.2%	8.5%	8.5%	8.48%
Dividend 3Y	-45.6%	-41.2%	-34.9%	-24.3%	7.6%	-0.1%	-0.1%	-0.1%	-15.7%	-8.1%	-19.2%	-35.9%	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.77	0.89	0.45	0.42	0.56	0.77	0.65	0.76	0.78	0.87	0.83	0.62	0.72	0.92	0.94	0.60	0.60	0.63	0.59	0.54	0.538
Earnings Stability	0.76	0.20	0.16	0.20	0.45	0.09	0.04	0.02	0.10	0.01	0.00	0.00	0.00	0.06	0.07	0.16	0.51	0.22	0.17	0.18	0.183
Margin Stability	0.39	0.35	0.43	0.39	0.34	0.34	0.57	0.53	0.46	0.46	0.84	0.87	0.89	0.90	0.83	0.66	0.51	0.51	0.69	0.68	0.681
Rev. Growth Consistency	0.00	0.50	0.50	0.50	0.50	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	0.50	0.20	0.20	0.20	0.20	0.50	0.20	0.20	0.50	0.20	0.50	0.50	0.20	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	—	0.00	—	—	0.00	—	—	—	—	—	—	—	—	0.76	0.96	0.57	0.574
ROE Trend	-0.02	0.16	0.17	0.16	0.07	0.05	0.01	0.00	0.01	-0.08	-0.08	-0.07	-0.04	0.05	0.06	0.05	0.05	0.02	0.03	0.04	0.043
Gross Margin Trend	0.10	0.08	0.06	0.06	0.04	0.06	0.01	0.00	-0.00	-0.00	-0.01	0.01	0.01	0.05	0.05	0.04	0.05	0.02	0.10	0.13	0.133
FCF Margin Trend	-0.00	-0.04	-0.05	-0.07	-0.06	-0.08	-0.11	-0.17	-0.16	-0.12	-0.07	-0.02	0.01	0.02	0.02	0.03	0.02	0.03	0.01	-0.01	-0.011
Sustainable Growth Rate	—	8.1%	9.6%	8.8%	1.8%	0.5%	—	—	0.1%	—	—	—	—	3.9%	4.6%	3.7%	4.2%	2.9%	4.0%	5.1%	5.11%
Internal Growth Rate	—	2.5%	2.5%	2.3%	0.5%	0.1%	—	—	0.0%	—	—	—	—	0.8%	1.0%	0.8%	0.9%	0.6%	0.9%	1.2%	1.20%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	-3.37	0.70	0.51	0.45	1.00	0.63	74.23	24.52	-9.49	2.68	1.29	1.14	0.55	-0.32	-0.20	-0.25	-0.53	-0.38	-0.50	-0.54	-0.542
FCF/OCF	0.95	0.95	0.95	0.94	0.92	0.63	1.15	1.06	1.05	1.05	1.10	1.15	1.43	1.59	1.84	1.79	1.24	1.43	1.13	1.09	1.087
FCF/Net Income	snapshot only																				-0.589
OCF/EBITDA	snapshot only																				-0.292
CapEx/Revenue	0.7%	0.4%	0.4%	0.3%	0.3%	0.4%	0.4%	0.4%	0.4%	0.4%	0.4%	0.4%	0.5%	0.7%	0.8%	0.8%	0.6%	0.5%	0.3%	0.3%	0.29%
CapEx/Depreciation	snapshot only																				0.241
Accruals Ratio	-0.03	0.01	0.01	0.01	-0.00	0.00	0.00	0.01	0.02	0.01	0.00	0.00	-0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.018
Sloan Accruals	snapshot only																				-0.549
Cash Flow Adequacy	snapshot only																				-11.468
Earnings Quality Score	snapshot only																				0.250

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.9%	0.8%	0.8%	0.7%	1.1%	1.0%	1.1%	1.1%	1.0%	0.8%	0.8%	0.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.20	$0.20	$0.20	$0.20	$0.25	$0.20	$0.20	$0.20	$0.15	$0.16	$0.11	$0.05	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	—	8.5%	7.5%	8.1%	34.4%	60.5%	—	—	87.0%	—	—	—	—	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	9.4%	12.7%	15.3%	19.2%	37.1%	1.5%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Payout Ratio	—	9.9%	7.5%	8.1%	34.4%	78.8%	—	—	3.6%	—	—	—	—	0.0%	0.0%	2.0%	4.2%	6.1%	4.1%	1.8%	1.84%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	—	—	—	—	—	—	—	—	—
Chowder Number	-0.83	-0.79	-0.71	-0.56	0.26	0.01	0.01	0.01	-0.39	-0.24	-0.49	-0.75	—	—	—	—	—	—	—	—	—
Buyback Yield	0.1%	0.1%	0.0%	0.0%	0.0%	0.3%	0.6%	0.5%	3.1%	5.3%	7.2%	7.7%	4.9%	0.0%	0.0%	0.1%	0.2%	0.2%	0.2%	0.1%	0.09%
Net Buyback Yield	0.1%	0.1%	0.0%	0.0%	0.0%	0.3%	0.6%	0.5%	3.1%	5.3%	7.2%	7.7%	4.9%	0.0%	-0.0%	0.1%	0.2%	0.2%	0.2%	0.1%	0.09%
Total Shareholder Return	1.0%	1.0%	0.8%	0.7%	1.1%	1.3%	1.7%	1.6%	4.1%	6.2%	7.9%	8.1%	4.9%	0.0%	-0.0%	0.1%	0.2%	0.2%	0.2%	0.1%	0.09%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	1.22	0.97	0.98	1.00	0.97	1.06	0.06	0.34	1.14	0.91	0.99	1.09	1.09	0.79	0.84	0.82	0.80	0.76	0.71	0.74	0.744
Interest Burden (EBT/EBIT)	2.21	0.88	0.88	0.86	0.66	0.45	-0.44	-0.72	0.27	2.81	2.45	11.91	-8.86	0.70	0.74	0.70	0.74	0.68	0.78	0.81	0.808
EBIT Margin	-0.01	0.15	0.15	0.13	0.05	0.03	0.01	0.01	0.03	-0.01	-0.01	-0.00	0.00	0.07	0.08	0.07	0.07	0.06	0.09	0.10	0.100
Asset Turnover	0.20	0.21	0.20	0.21	0.21	0.20	0.19	0.19	0.19	0.19	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.196
Equity Multiplier	3.31	3.31	3.90	3.90	3.90	3.90	4.70	4.70	4.70	4.70	5.11	5.11	5.11	5.11	4.84	4.84	4.84	4.84	4.32	4.32	4.321

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$-0.66	$2.34	$2.66	$2.45	$0.72	$0.33	$-0.01	$-0.06	$0.17	$-0.60	$-0.75	$-0.54	$-0.45	$0.84	$1.03	$0.82	$0.94	$0.65	$0.98	$1.26	$1.26
Book Value/Share	$24.96	$24.95	$26.40	$26.38	$26.36	$26.39	$20.40	$20.40	$20.48	$21.23	$21.74	$21.74	$21.71	$21.69	$23.38	$23.36	$23.26	$23.22	$26.05	$26.04	$26.00
Tangible Book/Share	$22.83	$22.82	$24.13	$24.11	$24.09	$24.12	$18.25	$18.25	$18.32	$18.99	$20.45	$20.45	$20.42	$20.40	$22.21	$22.20	$22.10	$22.07	$25.00	$25.00	$25.00
Revenue/Share	$17.10	$18.43	$19.88	$21.01	$20.64	$20.40	$20.36	$20.33	$21.04	$21.74	$22.10	$22.26	$22.15	$22.22	$21.94	$21.66	$21.38	$21.24	$20.94	$20.83	$20.96
FCF/Share	$2.12	$1.56	$1.30	$1.04	$0.67	$0.13	$-0.63	$-1.45	$-1.71	$-1.68	$-1.07	$-0.71	$-0.35	$-0.43	$-0.38	$-0.37	$-0.62	$-0.35	$-0.56	$-0.74	$-0.75
OCF/Share	$2.24	$1.64	$1.37	$1.10	$0.72	$0.21	$-0.55	$-1.37	$-1.63	$-1.60	$-0.98	$-0.62	$-0.24	$-0.27	$-0.21	$-0.21	$-0.50	$-0.25	$-0.49	$-0.68	$-0.69
Cash/Share	$55.71	$55.68	$77.52	$77.47	$77.41	$77.49	$69.26	$69.25	$69.51	$72.06	$1.29	$1.29	$1.29	$1.29	$75.70	$75.65	$75.31	$75.20	$6.22	$6.22	$79.35
EBITDA/Share	$0.27	$3.33	$3.76	$3.59	$1.89	$1.44	$0.97	$0.88	$1.14	$0.31	$0.20	$0.42	$0.48	$1.90	$2.01	$1.74	$1.89	$1.54	$2.06	$2.34	$2.34
Debt/Share	$5.64	$5.64	$8.24	$8.23	$8.23	$8.24	$8.26	$8.26	$8.29	$8.59	$8.69	$8.69	$8.67	$8.66	$8.60	$8.60	$8.56	$8.55	$8.62	$8.62	$8.62
Net Debt/Share	$-50.07	$-50.04	$-69.28	$-69.23	$-69.18	$-69.26	$-61.00	$-60.99	$-61.22	$-63.47	$7.40	$7.40	$7.39	$7.38	$-67.10	$-67.06	$-66.76	$-66.66	$2.40	$2.40	$2.40

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-I Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	6.228
Altman Z-Prime	snapshot only																				-2.276
Piotroski F-Score	4	4	5	5	6	4	2	3	4	2	2	3	4	5	4	2	3	1	2	3	3
Beneish M-Score	-3.14	-2.16	-2.46	-2.22	-2.29	-2.61	-0.93	-0.91	-0.97	-0.70	-3.07	-3.28	-3.18	-3.35	-0.70	-0.60	-0.81	-0.56	-3.38	-3.31	-3.315
Ohlson O-Score	snapshot only																				-4.750
Net-Net WC	snapshot only																				$-68.48
EVA	snapshot only																				$-82149300.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BBB-
Credit Score	45.82	71.41	76.27	76.33	60.03	56.14	41.29	41.33	44.82	38.85	33.48	33.32	35.09	48.02	53.32	53.30	52.64	51.86	47.65	53.78	53.777
Credit Grade	snapshot only																				10
Credit Trend	snapshot only																				0.474
Implied Spread (bps)	snapshot only																				350.000
Industry Credit Rank	snapshot only																				18
Sector Credit Rank	snapshot only																				46

PRA NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet