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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
ProAssurance
ProAssurance (PRA) investor relations material
ProAssurance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Reported net income of $33.4M ($0.64/diluted share) and operating income of $42.4M ($0.82/diluted share) for Q4 2025; full-year net income was $50.9M ($0.99/diluted share) and operating income was $83.9M ($1.62/diluted share).
Operating performance reflects progress toward premium rate adequacy in medical professional liability and workers' compensation markets.
Announced merger with The Doctors Company, pending regulatory approval, expected to close by June 30, 2026.
Financial highlights
Consolidated net premiums written for 2025 were $916.9M, down 3.9% year-over-year.
Net investment income increased 8.3% to $156.5M for the year.
Book value per share rose to $26.24 at year-end 2025 from $23.49 at year-end 2024; Non-GAAP adjusted book value per share was $27.82, up from $26.86.
Non-GAAP combined ratio improved to 104.2% for 2025 (from 109.0% in 2024); Q4 2025 Non-GAAP combined ratio was 90.3%.
Return on equity for 2025 was 4.0%; Non-GAAP operating ROE was 6.6%.
Outlook and guidance
Management anticipates closing the merger with The Doctors Company by June 30, 2026, pending regulatory approvals.
Continued focus on premium rate adequacy and disciplined underwriting in challenging markets.
Merger approval status in CA and PA
MPL reserve development impact on Q4 combined ratio
Factors behind improved Non-GAAP operating ROE
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Next ProAssurance earnings date
Q1 20265 May, 2026
ProAssurance
Next ProAssurance earnings date
Q1 20265 May, 2026
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Frequently asked questions
ProAssurance Corporation is a specialty insurer focused on providing professional liability insurance and risk management solutions. The company primarily serves healthcare professionals, medical groups, hospitals, and other healthcare-related entities. In addition to medical professional liability coverage, ProAssurance offers workers' compensation insurance and legal professional liability insurance. The company is headquartered in Birmingham, Alabama, and its shares are listed on the NYSE.
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