(PGR) Progressive - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7433151039
Stock: Auto Insurance, Home Insurance, Business Insurance, Specialty Lines
Total Rating 35
Risk 91
Buy Signal -1.28
| Risk 5d forecast | |
|---|---|
| Volatility | 22.4% |
| Relative Tail Risk | -2.75% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.97 |
| Alpha | -28.37 |
| Character TTM | |
|---|---|
| Beta | 0.203 |
| Beta Downside | 0.042 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.97% |
| CAGR/Max DD | 0.57 |
EPS (Earnings per Share)
Revenue
Description: PGR Progressive March 05, 2026
The Progressive Corporation (PGR) is a U.S. insurance company. It underwrites personal auto, motorcycle, RV, and watercraft insurance. It also offers personal residential property insurance for homeowners and renters. Commercial lines include auto-related liability and physical damage for various vehicle types, general liability, commercial property for small businesses, and workers compensation for the transportation industry. Progressive operates in the property & casualty insurance sector, a highly regulated industry. The company also engages in investment activities, common for insurers to generate additional revenue. Distribution channels include independent agencies, online platforms, and direct phone sales, a hybrid model that allows for broad market reach.
Understanding the nuances of these diverse insurance offerings can provide deeper insights into PGRs market position. Further research on platforms like ValueRay can help investors analyze PGRs performance against its peers.
Headlines to watch out for
- Auto insurance premium growth drives revenue
- Catastrophe losses impact underwriting profitability
- Investment portfolio performance affects earnings
- Regulatory changes influence pricing and product offerings
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 10.16b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.19 > 0.02 and ΔFCF/TA 4.86 > 1.0 |
| NWC/Revenue: 136.7% < 20% (prev -13.41%; Δ 150.1% < -1%) |
| CFO/TA 0.19 > 3% & CFO 17.55b > Net Income 10.16b |
| Net Debt (6.77b) to EBITDA (13.09b): 0.52 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (588.2m) vs 12m ago 0.09% < -2% |
| Gross Margin: 30.78% > 18% (prev 0.72%; Δ 3.01k % > 0.5%) |
| Asset Turnover: 81.21% > 50% (prev 71.26%; Δ 9.95% > 0%) |
| Interest Coverage Ratio: 50.33 > 6 (EBITDA TTM 13.09b / Interest Expense TTM 255.0m) |
Altman Z'' 10.00
| A: 1.20 (Total Current Assets 109.21b - Total Current Liabilities 0.0) / Total Assets 91.06b |
| B: 0.30 (Retained Earnings 27.33b / Total Assets 91.06b) |
| C: 0.13 (EBIT TTM 12.83b / Avg Total Assets 98.40b) |
| D: 0.32 (Book Value of Equity 27.91b / Total Liabilities 86.49b) |
| Altman-Z'' Score: 10.06 = AAA |
Beneish M -2.76
| DSRI: 0.81 (Receivables 16.39b/19.13b, Revenue 79.91b/75.35b) |
| GMI: 2.34 (GM 30.78% / 71.99%) |
| AQI: -0.27 (AQ_t -0.21 / AQ_t-1 0.77) |
| SGI: 1.06 (Revenue 79.91b / 75.35b) |
| TATA: -0.08 (NI 10.16b - CFO 17.55b) / TA 91.06b) |
| Beneish M-Score: -2.76 (Cap -4..+1) = A |
What is the price of PGR shares?
As of March 12, 2026, the stock is trading at USD 206.96 with a total of 2,996,120 shares traded.
Over the past week, the price has changed by -4.82%, over one month by -3.43%, over three months by -7.13% and over the past year by -22.64%.
Over the past week, the price has changed by -4.82%, over one month by -3.43%, over three months by -7.13% and over the past year by -22.64%.
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 | 237.8 | 14.9% |
| Analysts Target Price | 237.8 | 14.9% |
PGR Fundamental Data Overview March 11, 2026
P/E Trailing = 10.7624
P/E Forward = 12.7551
P/S = 1.3837
P/B = 3.9958
P/EG = 3.8659
Revenue TTM = 79.91b USD
EBIT TTM = 12.83b USD
EBITDA TTM = 13.09b USD
Long Term Debt = 6.90b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 6.90b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 6.77b USD (from netDebt column, last quarter)
Enterprise Value = 35.33b USD (121.26b + Debt 6.90b - CCE 92.83b)
Interest Coverage Ratio = 50.33 (Ebit TTM 12.83b / Interest Expense TTM 255.0m)
EV/FCF = 2.05x (Enterprise Value 35.33b / FCF TTM 17.20b)
FCF Yield = 48.68% (FCF TTM 17.20b / Enterprise Value 35.33b)
FCF Margin = 21.52% (FCF TTM 17.20b / Revenue TTM 79.91b)
Net Margin = 12.72% (Net Income TTM 10.16b / Revenue TTM 79.91b)
Gross Margin = 30.78% ((Revenue TTM 79.91b - Cost of Revenue TTM 55.32b) / Revenue TTM)
Gross Margin QoQ = 53.50% (prev 15.76%)
Tobins Q-Ratio = 0.39 (Enterprise Value 35.33b / Total Assets 91.06b)
Interest Expense / Debt = 0.67% (Interest Expense 46.0m / Debt 6.90b)
Taxrate = 21.29% (488.0m / 2.29b)
NOPAT = 10.10b (EBIT 12.83b * (1 - 21.29%))
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 = 0.52 (Net Debt 6.77b / EBITDA 13.09b)
Debt / FCF = 0.39 (Net Debt 6.77b / FCF TTM 17.20b)
Total Stockholder Equity = 25.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.33% (Net Income 10.16b / Total Assets 91.06b)
RoE = 40.02% (Net Income TTM 10.16b / Total Stockholder Equity 25.39b)
RoCE = 39.74% (EBIT 12.83b / Capital Employed (Equity 25.39b + L.T.Debt 6.90b))
RoIC = 26.08% (NOPAT 10.10b / Invested Capital 38.73b)
WACC = 6.33% (E(121.26b)/V(128.16b) * Re(6.66%) + D(6.90b)/V(128.16b) * Rd(0.67%) * (1-Tc(0.21)))
Discount Rate = 6.66% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.06%
[DCF] Terminal Value 86.91% ; FCFF base≈16.25b ; Y1≈20.05b ; Y5≈34.15b
[DCF] Fair Price = 1.47k (EV 867.26b - Net Debt 6.77b = Equity 860.48b / Shares 585.9m; r=6.33% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 85.99 | EPS CAGR: 47.03% | SUE: 0.49 | # QB: 0
Revenue Correlation: 85.29 | Revenue CAGR: 6.52% | SUE: -3.90 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.76 | Chg7d=-0.002 | Chg30d=-0.031 | Revisions Net=-8 | Analysts=20
EPS current Year (2026-12-31): EPS=16.12 | Chg7d=+0.051 | Chg30d=+0.162 | Revisions Net=+6 | Growth EPS=-11.6% | Growth Revenue=+7.1%
EPS next Year (2027-12-31): EPS=16.16 | Chg7d=+0.040 | Chg30d=-0.043 | Revisions Net=-10 | Growth EPS=+0.2% | Growth Revenue=+8.3%
[Analyst] Revisions Ratio: -0.44 (5 Up / 13 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.3% (Discount Rate 7.9% - Earnings Yield 9.3%)
[Growth] Growth Spread = +8.7% (Analyst 7.3% - Implied -1.3%)
P/E Forward = 12.7551
P/S = 1.3837
P/B = 3.9958
P/EG = 3.8659
Revenue TTM = 79.91b USD
EBIT TTM = 12.83b USD
EBITDA TTM = 13.09b USD
Long Term Debt = 6.90b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 6.90b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 6.77b USD (from netDebt column, last quarter)
Enterprise Value = 35.33b USD (121.26b + Debt 6.90b - CCE 92.83b)
Interest Coverage Ratio = 50.33 (Ebit TTM 12.83b / Interest Expense TTM 255.0m)
EV/FCF = 2.05x (Enterprise Value 35.33b / FCF TTM 17.20b)
FCF Yield = 48.68% (FCF TTM 17.20b / Enterprise Value 35.33b)
FCF Margin = 21.52% (FCF TTM 17.20b / Revenue TTM 79.91b)
Net Margin = 12.72% (Net Income TTM 10.16b / Revenue TTM 79.91b)
Gross Margin = 30.78% ((Revenue TTM 79.91b - Cost of Revenue TTM 55.32b) / Revenue TTM)
Gross Margin QoQ = 53.50% (prev 15.76%)
Tobins Q-Ratio = 0.39 (Enterprise Value 35.33b / Total Assets 91.06b)
Interest Expense / Debt = 0.67% (Interest Expense 46.0m / Debt 6.90b)
Taxrate = 21.29% (488.0m / 2.29b)
NOPAT = 10.10b (EBIT 12.83b * (1 - 21.29%))
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 = 0.52 (Net Debt 6.77b / EBITDA 13.09b)
Debt / FCF = 0.39 (Net Debt 6.77b / FCF TTM 17.20b)
Total Stockholder Equity = 25.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.33% (Net Income 10.16b / Total Assets 91.06b)
RoE = 40.02% (Net Income TTM 10.16b / Total Stockholder Equity 25.39b)
RoCE = 39.74% (EBIT 12.83b / Capital Employed (Equity 25.39b + L.T.Debt 6.90b))
RoIC = 26.08% (NOPAT 10.10b / Invested Capital 38.73b)
WACC = 6.33% (E(121.26b)/V(128.16b) * Re(6.66%) + D(6.90b)/V(128.16b) * Rd(0.67%) * (1-Tc(0.21)))
Discount Rate = 6.66% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.06%
[DCF] Terminal Value 86.91% ; FCFF base≈16.25b ; Y1≈20.05b ; Y5≈34.15b
[DCF] Fair Price = 1.47k (EV 867.26b - Net Debt 6.77b = Equity 860.48b / Shares 585.9m; r=6.33% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 85.99 | EPS CAGR: 47.03% | SUE: 0.49 | # QB: 0
Revenue Correlation: 85.29 | Revenue CAGR: 6.52% | SUE: -3.90 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.76 | Chg7d=-0.002 | Chg30d=-0.031 | Revisions Net=-8 | Analysts=20
EPS current Year (2026-12-31): EPS=16.12 | Chg7d=+0.051 | Chg30d=+0.162 | Revisions Net=+6 | Growth EPS=-11.6% | Growth Revenue=+7.1%
EPS next Year (2027-12-31): EPS=16.16 | Chg7d=+0.040 | Chg30d=-0.043 | Revisions Net=-10 | Growth EPS=+0.2% | Growth Revenue=+8.3%
[Analyst] Revisions Ratio: -0.44 (5 Up / 13 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.3% (Discount Rate 7.9% - Earnings Yield 9.3%)
[Growth] Growth Spread = +8.7% (Analyst 7.3% - Implied -1.3%)