The Progressive Corporation PGR
Financial Services · Insurance - Property & Casualty · United States · S&P 500
Based on the available data, The Progressive Corporation gets an algorithmic score of 67/100. It trades at 210.52 $, with a sideways/transition technical trend (RSI 46.2) and 26.7% annual volatility.
Updated: 2026-09-30
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Strengths
- High ROE (34.9%): generates strong profit on equity.
- Sustained revenue growth (20.9% compound annual).
- Attractive free-cash-flow yield (14.1%).
- Low beta (0.12): defensive profile.
- Meaningful dividend (19.00%).
Weaknesses
- —
Fundamentals
| P/E | 10.56 |
| Forward P/E | 12.93 |
| PEG | 63.46 |
| P/B | 3.56 |
| EV/EBITDA | 8.35 |
| P/S | 1.34 |
| ROE % | 34.94 |
| ROA % | 7.84 |
| Gross margin % | 18.52 |
| Operating margin % | 18.21 |
| Net margin % | 12.85 |
| Revenue growth % (y/y) | 7.30 |
| Earnings growth % (y/y) | 5.00 |
| Revenue CAGR % | 20.90 |
| Earnings CAGR % | 150.20 |
| Debt/Equity % | 24.43 |
| Current ratio | 0.29 |
| FCF yield % | 14.08 |
| Dividend yield % | 19.00 |
| Payout % | 69.74 |
Returns
| 1 month | -3.7 % |
| 3 months | -3.6 % |
| 6 months | +4.6 % |
| YTD | -0.7 % |
| 1 year | -7.9 % |
| 3 years | +60.8 % |
| 5 years | +155.6 % |
Risk
| 1-year volatility | 26.7 % |
| Beta | 0.12 |
| 5-year max drawdown | -30.4 % |
| Sharpe 1A | -0.33 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.