(PGR) Progressive - Ratings and Ratios
Auto Insurance, Liability Insurance, Property Insurance, Workers Compensation
PGR EPS (Earnings per Share)
PGR Revenue
Description: PGR Progressive
The Progressive Corporation is a leading insurance company in the United States, offering a diverse range of insurance products, including personal auto, specialty lines, and commercial insurance. The companys extensive product portfolio caters to various customer segments, including individuals, small businesses, and the transportation industry.
Progressives business model is characterized by its multi-channel distribution strategy, which includes independent insurance agencies, online platforms, and phone sales. This diversified approach enables the company to reach a broad customer base and capitalize on emerging trends in the insurance industry.
From a financial perspective, Progressive has demonstrated strong performance, with a Return on Equity (RoE) of 33.19%, indicating efficient use of shareholder capital. The companys Price-to-Earnings (P/E) ratio of 16.69 and Forward P/E of 15.46 suggest a relatively attractive valuation compared to its earnings growth prospects.
Additional key performance indicators (KPIs) that can be used to evaluate Progressives performance include its loss ratio, expense ratio, and combined ratio, which are crucial metrics for insurance companies. A lower loss ratio and expense ratio can indicate better underwriting performance and operational efficiency, respectively. The companys investment income and yield on investments are also important KPIs, as they can contribute significantly to Progressives overall profitability.
Furthermore, Progressives market position and competitive advantage can be assessed by examining its market share, customer retention rates, and brand strength. The companys ability to leverage data analytics and technology to improve its underwriting, pricing, and customer engagement can also be a key driver of its long-term success.
PGR Stock Overview
| Market Cap in USD | 144,319m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1986-07-09 |
PGR Stock Ratings
| Growth Rating | 69.7% |
| Fundamental | 92.2% |
| Dividend Rating | 9.50% |
| Return 12m vs S&P 500 | -14.0% |
| Analyst Rating | 3.68 of 5 |
PGR Dividends
| Dividend Yield 12m | 0.16% |
| Yield on Cost 5y | 0.47% |
| Annual Growth 5y | -15.38% |
| Payout Consistency | 76.3% |
| Payout Ratio | 27.7% |
PGR Growth Ratios
| Growth Correlation 3m | -77.6% |
| Growth Correlation 12m | 32.3% |
| Growth Correlation 5y | 97.8% |
| CAGR 5y | 23.52% |
| CAGR/Max DD 5y | 1.03 |
| Sharpe Ratio 12m | 0.10 |
| Alpha | -10.58 |
| Beta | 0.681 |
| Volatility | 24.39% |
| Current Volume | 2316.4k |
| Average Volume 20d | 2620.8k |
| Stop Loss | 238.7 (-3%) |
| Signal | 0.92 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (10.43b TTM) > 0 and > 6% of Revenue (6% = 4.94b TTM) |
| FCFTA 0.14 (>2.0%) and ΔFCFTA 0.86pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.19 (>3.0%) and CFO 21.94b > Net Income 10.43b (YES >=105%, WARN >=100%) |
| Net Debt (6.77b) to EBITDA (9.57b) ratio: 0.71 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (587.8m) change vs 12m ago 0.07% (target <= -2.0% for YES) |
| Gross Margin 21.55% (prev 99.78%; Δ -78.23pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 77.22% (prev 69.26%; Δ 7.96pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 33.57 (EBITDA TTM 9.57b / Interest Expense TTM 278.8m) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 92.21
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 10.90% = 5.0 |
| 3. FCF Margin 20.00% = 5.00 |
| 4. Debt/Equity 0.21 = 2.48 |
| 5. Debt/Ebitda 0.72 = 2.11 |
| 6. ROIC - WACC 12.72% = 12.50 |
| 7. RoE 36.50% = 2.50 |
| 8. Rev. Trend 99.46% = 4.97 |
| 9. Rev. CAGR 21.85% = 2.50 |
| 10. EPS Trend 85.90% = 2.15 |
| 11. EPS CAGR 224.9% = 2.50 |
What is the price of PGR shares?
Over the past week, the price has changed by -1.14%, over one month by +2.13%, over three months by -11.13% and over the past year by +1.22%.
Is Progressive a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PGR is around 245.42 USD . This means that PGR is currently overvalued and has a potential downside of -0.28%.
Is PGR a buy, sell or hold?
- Strong Buy: 5
- Buy: 5
- Hold: 8
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the PGR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 282.6 | 14.8% |
| Analysts Target Price | 282.6 | 14.8% |
| ValueRay Target Price | 272.8 | 10.9% |
Last update: 2025-08-29 04:45
PGR Fundamental Data Overview
CCE Cash And Equivalents = 125.0m USD (Cash only, last quarter)
P/E Trailing = 13.8732
P/E Forward = 15.015
P/S = 1.752
P/B = 4.4009
P/EG = 5.1764
Beta = 0.332
Revenue TTM = 82.38b USD
EBIT TTM = 9.36b USD
EBITDA TTM = 9.57b USD
Long Term Debt = 6.89b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 6.89b USD (Calculated: Short Term 0.0 + Long Term 6.89b)
Net Debt = 6.77b USD (from netDebt column, last quarter)
Enterprise Value = 151.09b USD (144.32b + Debt 6.89b - CCE 125.0m)
Interest Coverage Ratio = 33.57 (Ebit TTM 9.36b / Interest Expense TTM 278.8m)
FCF Yield = 10.90% (FCF TTM 16.47b / Enterprise Value 151.09b)
FCF Margin = 20.00% (FCF TTM 16.47b / Revenue TTM 82.38b)
Net Margin = 12.66% (Net Income TTM 10.43b / Revenue TTM 82.38b)
Gross Margin = 21.55% ((Revenue TTM 82.38b - Cost of Revenue TTM 64.63b) / Revenue TTM)
Tobins Q-Ratio = 4.95 (Enterprise Value 151.09b / Book Value Of Equity 30.51b)
Interest Expense / Debt = 1.00% (Interest Expense 69.0m / Debt 6.89b)
Taxrate = 20.84% (from yearly Income Tax Expense: 2.23b / 10.71b)
NOPAT = 7.41b (EBIT 9.36b * (1 - 20.84%))
Current Ratio = unknown (Total Current Assets 23.32b / Total Current Liabilities none)
Debt / Equity = 0.21 (Debt 6.89b / last Quarter total Stockholder Equity 32.60b)
Debt / EBITDA = 0.72 (Net Debt 6.77b / EBITDA 9.57b)
Debt / FCF = 0.42 (Debt 6.89b / FCF TTM 16.47b)
Total Stockholder Equity = 28.58b (last 4 quarters mean)
RoA = 9.03% (Net Income 10.43b, Total Assets 115.48b )
RoE = 36.50% (Net Income TTM 10.43b / Total Stockholder Equity 28.58b)
RoCE = 26.38% (Ebit 9.36b / (Equity 28.58b + L.T.Debt 6.89b))
RoIC = 20.88% (NOPAT 7.41b / Invested Capital 35.47b)
WACC = 8.17% (E(144.32b)/V(151.21b) * Re(8.52%)) + (D(6.89b)/V(151.21b) * Rd(1.00%) * (1-Tc(0.21)))
Shares Correlation 5-Years: 100.0 | Cagr: 0.13%
Discount Rate = 8.52% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 79.91% ; FCFE base≈15.13b ; Y1≈18.67b ; Y5≈31.85b
Fair Price DCF = 842.7 (DCF Value 494.15b / Shares Outstanding 586.4m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 99.46 | Revenue CAGR: 21.85%
Rev Growth-of-Growth: -1.20
EPS Correlation: 85.90 | EPS CAGR: 224.9%
EPS Growth-of-Growth: -65.53
Additional Sources for PGR Stock
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Fund Manager Positions: Dataroma | Stockcircle