(PGR) Progressive - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7433151039
Stock:
Total Rating 38
Risk 97
Buy Signal -0.03
| Risk 5d forecast | |
|---|---|
| Volatility | 22.2% |
| Relative Tail Risk | -3.32% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.02 |
| Alpha | -30.88 |
| Character TTM | |
|---|---|
| Beta | 0.500 |
| Beta Downside | 0.482 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.97% |
| CAGR/Max DD | 0.55 |
EPS (Earnings per Share)
Revenue
Description: PGR Progressive
The Progressive Corporation operates as an insurance company in the United States. The company writes insurance for personal autos and special lines products, including motorcycles, RVs, and watercraft; and personal residential property insurance for homeowners and renters. It also writes auto-related liability and physical damage insurance for comprising dump trucks, log trucks, garbage trucks, tractors, trailers, straight trucks, tow trucks and wreckers, vans, pick-up trucks, and autos; business-related general liability and commercial property insurance for small businesses; and workers' compensation insurance for the transportation industry. In addition, the company offers other specialty property-casualty insurance and provide related services; personal property reinsurance products; and involved in investment activities. It sells its products through independent insurance agencies, as well as online and over the phone. The Progressive Corporation was founded in 1937 and is headquartered in Mayfield Village, Ohio.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 10.50b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.19 > 0.02 and ΔFCF/TA 5.14 > 1.0 |
| NWC/Revenue: 136.3% < 20% (prev -23.08%; Δ 159.4% < -1%) |
| CFO/TA 0.19 > 3% & CFO 17.39b > Net Income 10.50b |
| Net Debt (6.72b) to EBITDA (9.61b): 0.70 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (588.2m) vs 12m ago 0.10% < -2% |
| Gross Margin: 54.64% > 18% (prev 0.72%; Δ 5392 % > 0.5%) |
| Asset Turnover: 81.66% > 50% (prev 71.62%; Δ 10.04% > 0%) |
| Interest Coverage Ratio: 51.03 > 6 (EBITDA TTM 9.61b / Interest Expense TTM 185.0m) |
Altman Z'' 10.00
| A: 1.20 (Total Current Assets 109.21b - Total Current Liabilities 0.0) / Total Assets 91.06b |
| B: 0.36 (Retained Earnings 32.44b / Total Assets 91.06b) |
| C: 0.10 (EBIT TTM 9.44b / Avg Total Assets 98.13b) |
| D: 0.38 (Book Value of Equity 33.21b / Total Liabilities 86.49b) |
| Altman-Z'' Score: 10.08 = AAA |
Beneish M -3.70
| DSRI: 0.77 (Receivables 16.39b/20.02b, Revenue 80.13b/75.35b) |
| GMI: 1.32 (GM 54.64% / 71.99%) |
| AQI: -0.25 (AQ_t -0.21 / AQ_t-1 0.84) |
| SGI: 1.06 (Revenue 80.13b / 75.35b) |
| TATA: -0.08 (NI 10.50b - CFO 17.39b) / TA 91.06b) |
| Beneish M-Score: -3.70 (Cap -4..+1) = AAA |
What is the price of PGR shares?
As of February 26, 2026, the stock is trading at USD 204.54 with a total of 3,047,291 shares traded.
Over the past week, the price has changed by +0.62%, over one month by -1.66%, over three months by -3.92% and over the past year by -21.81%.
Over the past week, the price has changed by +0.62%, over one month by -1.66%, over three months by -3.92% and over the past year by -21.81%.
Is PGR a buy, sell or hold?
Progressive has received a consensus analysts rating of 3.68.
Therefor, it is recommend to hold PGR.
- StrongBuy: 5
- Buy: 5
- Hold: 8
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the PGR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 239 | 16.8% |
| Analysts Target Price | 239 | 16.8% |
PGR Fundamental Data Overview February 21, 2026
P/E Trailing = 10.6126
P/E Forward = 12.7877
P/S = 1.3651
P/B = 3.9533
P/EG = 3.8737
Revenue TTM = 80.13b USD
EBIT TTM = 9.44b USD
EBITDA TTM = 9.61b USD
Long Term Debt = 6.90b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 6.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 6.72b USD (from netDebt column, last quarter)
Enterprise Value = 33.70b USD (119.63b + Debt 6.90b - CCE 92.83b)
Interest Coverage Ratio = 51.03 (Ebit TTM 9.44b / Interest Expense TTM 185.0m)
EV/FCF = 1.98x (Enterprise Value 33.70b / FCF TTM 17.05b)
FCF Yield = 50.58% (FCF TTM 17.05b / Enterprise Value 33.70b)
FCF Margin = 21.27% (FCF TTM 17.05b / Revenue TTM 80.13b)
Net Margin = 13.10% (Net Income TTM 10.50b / Revenue TTM 80.13b)
Gross Margin = 54.64% ((Revenue TTM 80.13b - Cost of Revenue TTM 36.35b) / Revenue TTM)
Gross Margin QoQ = none% (prev 53.50%)
Tobins Q-Ratio = 0.37 (Enterprise Value 33.70b / Total Assets 91.06b)
Interest Expense / Debt = 0.67% (Interest Expense 46.0m / Debt 6.90b)
Taxrate = 19.85% (731.0m / 3.68b)
NOPAT = 7.57b (EBIT 9.44b * (1 - 19.85%))
Current Ratio = unknown (Total Current Assets 109.21b / Total Current Liabilities 0.0)
Debt / Equity = 1.51 (Debt 6.90b / totalStockholderEquity, last quarter 4.57b)
Debt / EBITDA = 0.70 (Net Debt 6.72b / EBITDA 9.61b)
Debt / FCF = 0.39 (Net Debt 6.72b / FCF TTM 17.05b)
Total Stockholder Equity = 22.93b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.70% (Net Income 10.50b / Total Assets 91.06b)
RoE = 45.78% (Net Income TTM 10.50b / Total Stockholder Equity 22.93b)
RoCE = 31.65% (EBIT 9.44b / Capital Employed (Equity 22.93b + L.T.Debt 6.90b))
RoIC = 20.15% (NOPAT 7.57b / Invested Capital 37.54b)
WACC = 7.37% (E(119.63b)/V(126.53b) * Re(7.76%) + D(6.90b)/V(126.53b) * Rd(0.67%) * (1-Tc(0.20)))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.06%
[DCF] Terminal Value 83.35% ; FCFF base≈15.95b ; Y1≈19.67b ; Y5≈33.50b
[DCF] Fair Price = 1096 (EV 649.04b - Net Debt 6.72b = Equity 642.32b / Shares 586.1m; r=7.37% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 85.99 | EPS CAGR: 47.03% | SUE: 0.49 | # QB: 0
Revenue Correlation: 87.98 | Revenue CAGR: 19.02% | SUE: -1.32 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.54 | Chg7d=+0.200 | Chg30d=+0.151 | Revisions Net=-7 | Analysts=21
EPS current Year (2026-12-31): EPS=16.02 | Chg7d=+0.081 | Chg30d=+0.012 | Revisions Net=-6 | Growth EPS=-12.2% | Growth Revenue=+7.2%
EPS next Year (2027-12-31): EPS=16.13 | Chg7d=-0.056 | Chg30d=+0.037 | Revisions Net=-7 | Growth EPS=+0.6% | Growth Revenue=+8.2%
[Analyst] Revisions Ratio: -0.41 (5 Up / 12 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.5% (Discount Rate 7.9% - Earnings Yield 9.4%)
[Growth] Growth Spread = +7.9% (Analyst 6.5% - Implied -1.5%)
P/E Forward = 12.7877
P/S = 1.3651
P/B = 3.9533
P/EG = 3.8737
Revenue TTM = 80.13b USD
EBIT TTM = 9.44b USD
EBITDA TTM = 9.61b USD
Long Term Debt = 6.90b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 6.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 6.72b USD (from netDebt column, last quarter)
Enterprise Value = 33.70b USD (119.63b + Debt 6.90b - CCE 92.83b)
Interest Coverage Ratio = 51.03 (Ebit TTM 9.44b / Interest Expense TTM 185.0m)
EV/FCF = 1.98x (Enterprise Value 33.70b / FCF TTM 17.05b)
FCF Yield = 50.58% (FCF TTM 17.05b / Enterprise Value 33.70b)
FCF Margin = 21.27% (FCF TTM 17.05b / Revenue TTM 80.13b)
Net Margin = 13.10% (Net Income TTM 10.50b / Revenue TTM 80.13b)
Gross Margin = 54.64% ((Revenue TTM 80.13b - Cost of Revenue TTM 36.35b) / Revenue TTM)
Gross Margin QoQ = none% (prev 53.50%)
Tobins Q-Ratio = 0.37 (Enterprise Value 33.70b / Total Assets 91.06b)
Interest Expense / Debt = 0.67% (Interest Expense 46.0m / Debt 6.90b)
Taxrate = 19.85% (731.0m / 3.68b)
NOPAT = 7.57b (EBIT 9.44b * (1 - 19.85%))
Current Ratio = unknown (Total Current Assets 109.21b / Total Current Liabilities 0.0)
Debt / Equity = 1.51 (Debt 6.90b / totalStockholderEquity, last quarter 4.57b)
Debt / EBITDA = 0.70 (Net Debt 6.72b / EBITDA 9.61b)
Debt / FCF = 0.39 (Net Debt 6.72b / FCF TTM 17.05b)
Total Stockholder Equity = 22.93b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.70% (Net Income 10.50b / Total Assets 91.06b)
RoE = 45.78% (Net Income TTM 10.50b / Total Stockholder Equity 22.93b)
RoCE = 31.65% (EBIT 9.44b / Capital Employed (Equity 22.93b + L.T.Debt 6.90b))
RoIC = 20.15% (NOPAT 7.57b / Invested Capital 37.54b)
WACC = 7.37% (E(119.63b)/V(126.53b) * Re(7.76%) + D(6.90b)/V(126.53b) * Rd(0.67%) * (1-Tc(0.20)))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.06%
[DCF] Terminal Value 83.35% ; FCFF base≈15.95b ; Y1≈19.67b ; Y5≈33.50b
[DCF] Fair Price = 1096 (EV 649.04b - Net Debt 6.72b = Equity 642.32b / Shares 586.1m; r=7.37% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 85.99 | EPS CAGR: 47.03% | SUE: 0.49 | # QB: 0
Revenue Correlation: 87.98 | Revenue CAGR: 19.02% | SUE: -1.32 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.54 | Chg7d=+0.200 | Chg30d=+0.151 | Revisions Net=-7 | Analysts=21
EPS current Year (2026-12-31): EPS=16.02 | Chg7d=+0.081 | Chg30d=+0.012 | Revisions Net=-6 | Growth EPS=-12.2% | Growth Revenue=+7.2%
EPS next Year (2027-12-31): EPS=16.13 | Chg7d=-0.056 | Chg30d=+0.037 | Revisions Net=-7 | Growth EPS=+0.6% | Growth Revenue=+8.2%
[Analyst] Revisions Ratio: -0.41 (5 Up / 12 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.5% (Discount Rate 7.9% - Earnings Yield 9.4%)
[Growth] Growth Spread = +7.9% (Analyst 6.5% - Implied -1.5%)