Discover Screener Plans Log In Sign Up
PGR
The Progressive Corporation
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is excellent at 24.1% per year
Earnings Expectations PGR has met or exceeded earnings expectations in some recent quarters (6/10)
Positive Attractive PE Ratio
Positive Strong Price to Sales Ratio
Negative High PB Ratio
Negative High EV to EBITDA

Unlock Complete Analysis

Get access to all key takeaways, detailed financial metrics, and comprehensive stock analysis with our premium subscription.

Complete key takeaways analysis
Advanced financial metrics
Real-time insights & alerts
Start Your Premium Journey

Already have an account? Sign in

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.

Country US
Exchange NYSE
Industry Insurance - Property & Casualty
Sector Financial Services
Market Cap $140.35B
CEO Ms. 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

🚗
Auto Insurance Car coverage
🏠
Home Insurance House protection
🚚
Commercial Auto Business vehicle
🏢
Renters Insurance Tenant coverage
🏍️
Motorcycle Insurance Bike protection

Business Type

B2C Business to Consumer

Competitive Advantages

Unlock Competitive Advantages Analysis

Discover all competitive advantages and strategic moats that protect PGR's market position.

View Premium Analysis

Key Business Risks

Unlock Complete Risk Analysis

Get comprehensive insight into all key business risks that could impact PGR's performance.

Access Full Risk Analysis

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.

📊

Unlock Graham value analysis

Access Benjamin Graham's value investing criteria, intrinsic value calculations, and margin of safety analysis

✓ Intrinsic value calculations
✓ Margin of safety analysis
✓ Complete Graham criteria checklist
✓ Value investing insights
Upgrade to Premium

ROE: 33.18815704171653

ROA: None

Gross Profit Margin: 100.0

Net Profit Margin: 11.101515510481708

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Scroll horizontally to see more

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.

📊

Unlock Profitability Metrics

Access detailed profitability metrics with visual gauges and benchmarks

  • • Return on Equity (ROE) analysis
  • • Return on Assets (ROA) insights
  • • Gross & Net Profit Margins
  • • Industry benchmark comparisons
Sign Up for Premium
💪

Unlock profitability strengths

Access detailed analysis of profitability strengths and positive performance indicators

Upgrade to Premium
⚠️

Unlock profitability weaknesses

Access detailed analysis of profitability weaknesses and areas of concern

Upgrade to Premium

About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

🏦

Unlock Financial Health Metrics

Access detailed financial health metrics with visual gauges and risk assessments

  • • Debt to Equity ratio analysis
  • • Current ratio & liquidity insights
  • • Financial risk assessments
  • • Stability benchmarks
Sign Up for Premium
🛡️

Unlock financial strengths

Access detailed analysis of financial health strengths and stability indicators

Upgrade to Premium
⚠️

Unlock financial weaknesses

Access detailed analysis of financial health weaknesses and risk factors

Upgrade to Premium

Meeting Expectations

6 /10

Higher values indicate better execution and credibility

Recent Results

🔒

Unlock earnings history

View complete earnings history and detailed performance analysis

Upgrade to Premium

EPS

4.79
Estimated
4.65
Actual
-2.92%
Difference

Revenue

$21466837235
Estimated
$20402000000
Actual
+3.44%
Difference
💪

Unlock strenghts analysis

Unlock complete business strengths analysis

Upgrade to Premium
⚠️

Unlock weaknesses analysis

Unlock complete business weaknesses analysis

Upgrade to Premium
🚀

Unlock opportunities analysis

Unlock complete future opportunities analysis

Upgrade to Premium

Unlock risk analysis

Unlock complete future risks analysis

Upgrade to Premium

Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

Insider trading patterns can provide insights into how company executives and board members view the stock's future prospects.

🔍

Unlock Insider Analysis

Get complete insider sentiment analysis with detailed trading patterns, sentiment indicators, and trend insights

  • • Insider buy/sell ratio analysis
  • • Total bought vs sold volumes
  • • Active insider tracking
  • • Recent trend analysis
Sign Up for Premium

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
Home Screener Search Profile

During the beta period, we're currently displaying stocks from the S&P 500 index only. More stocks will be added soon.

Loading...