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The Progressive Corporation PGR SPX

Financial Services · Insurance - Property & Casualty · United States
https://www.progressive.com

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-related liability and physical damage insurance for comprising dump trucks, log trucks, garbage trucks, tractors, trailers, straight trucks, tow trucks and wreckers, vans, pick-up trucks, and autos; business-related general liability and commercial property insurance for small businesses; and workers' compensation insurance for the transportation industry. In addition, it offers other specialty property-casualty insurance and provides related services; personal property reinsurance products; and involved in investment activities. It sells its products through independent insurance agencies, as well as online and over the phone. The Progressive Corporation was founded in 1937 and is headquartered in Mayfield, Ohio.

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$190.40
-28.84% 1Y

Market & Price

Market Cap
$111.10B
Current Price
$190.40
High / Low (52W)
$271.14 / $190.40
Beta
0.29

Valuation

Stock P/E
9.68
Industry PE
12.01
Forward P/E
11.75
PEG Ratio
29.22
Book Value
$54.86
Price to Book
3.47
P/S
1.24
EV/EBITDA
7.75
Dividend Yield
7.30%

Profitability & Returns

ROCE
-
ROE
37.90%
ROA
7.94%
Profit Margin
12.93%
Op Margin
16.39%
EPS (Latest Qtr)
$4.80
EPS (TTM)
$19.67

Balance Sheet & Liquidity

Debt/Equity
0.26
Quick Ratio
0.24
Current Ratio
0.30
Debt
$8.39B
Total Assets
$123.04B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.25%
Chg in Prom Hold
-
FII / Inst Holding
90.31%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$117.36B
Total Revenue (TTM)
$89.42B
EBITDA
$15.15B
Free Cash Flow
$15.50B
Operating Cash Flow
$16.77B
Shares Outstanding
583.50M
Gross Margin
18.56%
Payout Ratio
70.70%

Growth (CAGR)

Revenue 5Y
20.90%
Profit 5Y
150.20%
Revenue (YoY)
8.70%
Earnings (YoY)
9.80%

PROS

  • Strong return on equity of 37.9%.
  • Compounding revenue at 20.9% over 5 years.
  • Profit CAGR of 150.2% over 5 years.
  • Attractive dividend yield of 7.30%.
  • Generates positive free cash flow.

CONS

  • Trading 29.8% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PGR The Progressive Corporation SPX 190.40 9.68 $111.10B 7.30% - 37.90% 20.90% 150.20%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 4.52B4.71B4.74B4.77B4.90B5.28B5.27B5.56B5.82B5.93B6.32B6.61B6.79B7.43B8.02B8.50B9.30B9.45B9.53B9.32B10.97B10.95B11.45B11.91B11.86B11.84B11.52B12.78B14.30B15.35B15.56B17.24B18.13B--20.40B22.00B22.50B22.74B22.18B
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income -----------------------------------3.31B4.05B3.39B3.75B3.64B
EBITDA ----------------------------------------
Interest Expense -----------------------------------70.00M69.00M70.00M69.00M70.00M
Pretax Income -----------------------------------3.24B3.98B3.32B3.68B3.57B
Tax Provision -----------------------------------669.00M807.00M708.00M731.00M748.00M
Net Income 232.40M321.30M293.40M296.10M295.60M363.30M278.30M258.20M190.90M198.70M424.30M367.60M224.00M718.00M704.20M928.40M1.08B979.40M841.70M692.70M1.79B1.53B1.48B790.10M118.50M313.90M-542.90M124.10M447.90M345.40M1.12B2.33B1.46B--2.57B3.17B2.62B2.95B2.82B
Diluted EPS 0.390.540.490.500.500.620.470.440.330.340.730.630.381.221.191.571.831.661.421.173.042.592.511.340.190.52-0.940.200.750.571.893.942.483.97-4.375.404.45-4.80

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 14.69B12.84B14.56B15.22B15.77B17.08B18.17B19.39B20.85B23.44B26.84B31.98B39.02B42.66B-49.59B62.08B75.34B87.64B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income ---------------1.17B5.17B10.99B14.50B
EBITDA -------------------
Interest Expense ---------------244.00M268.00M279.00M278.00M
Pretax Income ---------------922.00M4.90B10.71B14.22B
Tax Provision ---------------200.00M1.00B2.23B2.92B
Net Income 1.18B-70.00M1.06B1.07B1.02B902.30M1.17B1.28B1.27B1.03B1.59B2.62B3.97B5.70B-722.00M3.90B8.48B11.31B
Diluted EPS 1.65-0.101.571.611.591.481.932.152.151.762.724.426.729.66-1.186.5814.4019.23

Compounded Sales Growth

5 Years:20.90%
1 Year:8.70%

Compounded Profit Growth

5 Years:150.20%
1 Year:9.80%

Stock Price Performance

1 Year:-28.84%
6 Months:-10.52%
3 Months:-10.84%
1 Month:-5.11%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -18.25B20.05B21.15B21.84B22.69B24.41B25.79B29.82B33.43B38.70B46.58B54.91B64.10B-75.47B88.69B105.75B123.04B
Current Assets -------------------
Cash & Equivalents ---------------203.50M85.00M143.00M125.00M
Inventory -------------------
Receivables ---------------16.25B17.05B19.13B19.45B
Total Liabilities -14.04B14.30B15.10B16.04B16.69B18.22B18.86B22.07B24.99B28.91B35.54B41.01B47.06B-59.57B68.41B80.15B92.72B
Current Liabilities -------------------
Long Term Debt -2.18B2.18B1.96B2.44B2.06B1.86B2.16B2.71B------6.39B6.89B6.89B6.90B
Total Debt ---------------6.39B6.89B6.89B6.90B
Total Equity 4.94B4.22B5.75B6.05B5.81B6.01B6.19B6.93B7.29B7.96B9.28B10.82B13.67B17.04B-15.89B20.28B25.59B30.32B
Shares Outstanding ---------------797.60M797.60M798.00M798.57M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 1.79B1.55B1.49B1.68B1.50B1.69B1.90B1.73B2.29B2.73B3.76B6.28B6.26B6.91B-6.85B10.64B15.12B17.55B
Investing Cash Flow 96.10M-1.31B-1.18B-486.50M-744.90M-264.90M-1.36B-836.90M-1.92B-2.48B-3.41B-7.03B-4.34B-6.12B--7.96B-10.84B-13.75B-14.53B
Financing Cash Flow -1.89B-239.60M-152.10M-1.20B-755.70M-1.40B-646.80M-855.40M-252.80M-250.40M-300.90M549.80M-1.77B-938.80M-1.13B78.00M-1.32B-3.04B
Capital Expenditure -136.30M-98.50M-66.60M-64.70M-78.90M-127.70M-140.40M-108.10M-130.70M-215.00M-155.70M-266.00M-363.50M-223.50M--292.00M-252.00M-285.00M-348.00M
Free Cash Flow 1.65B1.45B1.42B1.61B1.42B1.56B1.76B1.62B2.16B2.52B3.60B6.02B5.90B6.68B-6.56B10.39B14.83B17.20B
Net Change in Cash ---------------19.00M-121.00M54.00M-16.00M
Share Buybacks 1.55B179.40M180.60M258.60M997.80M174.20M273.40M271.40M208.50M192.50M---------
Dividends Paid ----263.60M853.70M175.60M892.60M403.60M519.00M395.40M--------

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % ---------------2.4%8.3%14.6%16.5%
Net Margin % 8.1%-0.5%7.3%7.0%6.4%5.3%6.4%6.6%6.1%4.4%5.9%8.2%10.2%13.4%-1.5%6.3%11.3%12.9%
ROE % 24.0%-1.7%18.4%17.7%17.5%15.0%18.8%18.5%17.4%13.0%17.1%24.2%29.0%33.5%-4.5%19.2%33.1%37.3%
ROCE % -------------------

Shareholding Pattern

Insiders
0.25%
Institutions
90.31%
Public Float
90.53%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.95% 52.32M $9.96B
2 Vanguard Capital Management LLC 6.52% 38.10M $7.25B
3 State Street Corporation 4.43% 25.87M $4.93B
4 Capital Research Global Investors 3.86% 22.57M $4.30B
5 Geode Capital Management, LLC 2.78% 16.26M $3.10B
6 Capital World Investors 2.43% 14.17M $2.70B
7 Bank of America Corporation 2.20% 12.87M $2.45B
8 JPMORGAN CHASE & CO 2.08% 12.13M $2.31B
9 Massachusetts Financial Services Co. 2.07% 12.10M $2.30B
10 Vanguard Portfolio Management LLC 2.00% 11.70M $2.23B

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