Overall, Progressive demonstrates strong business quality with significant premium growth, efficient operations, and a robust employee culture. However, challenges in customer retention and external market risks could impact future performance. The company's focus on technology and flexibility in pricing presents promising growth opportunities.
Analysis Date: March 4, 2025 Last Updated: May 29, 2025
+767%
+24.1% per year
Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.
CountryUS
ExchangeNYSE
IndustryInsurance - Property & Casualty
SectorFinancial Services
Market Cap$140.35B
CEOMs. Susan Patricia Griffith
The Progressive Corporation is an insurance company that helps people and businesses protect their vehicles and property. They offer insurance for cars, motorcycles, RVs, and homes, making sure that if something goes wrong, like an accident or damage, their customers are covered. Progressive sells its insurance through agents and online, making it easy for people to get the protection they need. Founded in 1937 and based in Ohio, Progressive aims to provide reliable insurance services to customers across the United States.
Streams of revenue
Personal Lines Segment:81%
Commercial Lines Segment:15%
Property Segment:4%
Geographic Distribution
United States:94%
Canada:6%
Estimations for reference only
Core Products
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Auto InsuranceCar coverage
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Home InsuranceHouse protection
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Commercial AutoBusiness vehicle
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Renters InsuranceTenant coverage
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Motorcycle InsuranceBike protection
Business Type
Business to Consumer
Competitive Advantages
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
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About Profitability Metrics
Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.
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PGR Stock Analysis: The Progressive Corporation Investment Guide
PGR (The Progressive Corporation) is a Financial Services company listed on New York Stock Exchange. The stock has generated 24.1% annual returns with an overall investment score of None/100.
Overall, Progressive demonstrates strong business quality with significant premium growth, efficient operations, and a robust employee culture. However, challenges in customer retention and external market risks could impact future performance. The company's focus on technology and flexibility in pricing presents promising growth opportunities.
PGR Key Financial Metrics
PGR financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 2.901724424325142/100 and profitability score of 2.5/100 with financial health rated 5.6/100.
About The Progressive Corporation
The Progressive Corporation is an insurance company that helps people and businesses protect their vehicles and property. They offer insurance for cars, motorcycles, RVs, and homes, making sure that if something goes wrong, like an accident or damage, their customers are covered. Progressive sells its insurance through agents and online, making it easy for people to get the protection they need. Founded in 1937 and based in Ohio, Progressive aims to provide reliable insurance services to customers across the United States.
PGR Investment Recommendation
Based on our comprehensive analysis of PGR, investors should consider the company's strong performance track record, earnings consistency (6/10 quarters beat expectations), and current valuation metrics when making investment decisions.
Financial Services Sector Analysis
PGR operates in the Insurance - Property & Casualty industry within the Financial Services sector. This analysis compares The Progressive Corporation performance against industry and sector benchmarks to provide context for investment decisions.
Frequently Asked Questions about PGR Stock
Is PGR a good investment?
PGR (The Progressive Corporation) has generated 24.1% annual returns with an overall score of None/100. Overall, Progressive demonstrates strong business quality with significant premium growth, efficient operations, and a robust employee culture. However, challenges in customer retention and external market risks could impact future performance. … Investors should consider their risk tolerance and investment goals when evaluating PGR.
What is PGR P/E ratio and valuation?
PGR valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Property & Casualty industry and Financial Services sector benchmarks. The company currently has a valuation score of 2.901724424325142/100.
Should I buy PGR stock now?
The decision to buy PGR stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 2.5/100, financial health score of 5.6/100, and detailed performance metrics to help inform your investment decision.
What are PGR financial health indicators?
PGR financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 5.6/100 based on comprehensive analysis of balance sheet strength and operational efficiency.
How does PGR compare to competitors?
PGR performance is benchmarked against Insurance - Property & Casualty industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for The Progressive Corporation's market position.
What are PGR historical returns?
PGR has generated 24.1% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.
PGR Key Investment Metrics Summary
Annual Return: 24.1%
Valuation Score: 2.901724424325142/100
Profitability Score: 2.5/100
Financial Health Score: 5.6/100
Growth Score: -22.215520334753926/100
Earnings Beat Rate: 6/10 quarters
Sector: Financial Services
Industry: Insurance - Property & Casualty
Exchange: New York Stock Exchange
Market Cap: 140354697080
PGR Investment Thesis
The Progressive Corporation (PGR) represents an excellent investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.
Investment Strengths
Attractive PE Ratio
Strong Price to Sales Ratio
Strong Return on Equity
Healthy Net Profit Margin
Low Debt Levels
High Interest Coverage
Strong Premium Growth
High Combined Ratio
Employee Engagement and Culture
Innovative Use of Technology
Strategic Focus on Pricing Flexibility
Investment Risks
High PB Ratio
High EV to EBITDA
Operating Profit Margin
Low Free Cash Flow Yield
Current, Quick, and Cash Ratios are Zero
Retention Challenges
Market Uncertainties
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