The Progressive Corporation
The Progressive Corporation operates as an insurance company in the United States. It writes insurance for personal autos and special lines products, including motorcycles, RVs, and watercraft; and personal residential property insurance for homeowners and renters. The company also writes auto-relat…
What to know about PGR
The Progressive Corporation is a large Financial Services company with a mixed financial profile. It scores well on risk and size, but profitability is worth keeping an eye on.
Should you consider PGR?
Based on 31 financial metrics and sector comparison. Not financial advice.
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The Progressive Corporation is a large-cap Financial Services company with a mixed overall financial profile — it sits in the upper half of Financial Services stocks (33 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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The company is growing at a reasonable pace — not the fastest, but consistently moving in the right direction.
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This stock pays no dividend — your return depends entirely on the share price rising over time.
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Risk is relatively low — the stock tends to be less volatile than the broader market, which typically means a smoother ride during uncertain periods.
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On balance the positives outweigh the concerns — worth a closer look if Financial Services fits your investment goals.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how PGR compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 10.42 | Top 25% |
| Forward P/E | 12.64 | Above avg |
| PEG Ratio | 31.41 | Below avg |
| Price to Sales | 1.34 | Top 25% |
| Price to Book | 3.73 | Average |
| EV/EBITDA | 8.30 | Top 25% |
| Earnings Yield | 9.60% | Top 25% |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 18.56% | Below avg |
| Operating Margin | 16.39% | Average |
| Net Profit Margin | 12.93% | Average |
| Return on Equity | 37.90% | Top 25% |
| Return on Invested Capital | 7.94% | Above avg |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 8.70% | Average |
| Revenue Growth (3Y CAGR) | 20.90% | Top 25% |
| EPS Growth (YoY) | 9.80% | Average |
| Free Cash Flow Growth | 15.95% | Above avg |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 0.30 | Below avg |
| Debt to Equity | 0.26 | Top 25% |
| Interest Coverage | 52.16 | Top 25% |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | — | N/A |
| Payout Ratio | — | N/A |
| Dividend Growth (5Y) | 16.44% | Top 25% |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 13.74% | Top 25% |
| OCF to Sales | 18.76% | Average |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.27 | Top 25% |
| Volatility (30-Day) | 23.00% | Top 25% |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 1.22% | Top 25% |
| Avg. Analyst Rating | 2.60 | Below avg |
| Target Upside % | 12.68% | Average |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 119.54B | Top 25% |
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