Progressive/$PGR
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Capital at risk
About Progressive
Progressive underwrites private and commercial auto insurance and specialty lines; it has almost 27 million personal auto policies in force and is one of the largest auto insurers in the United States. Progressive markets its policies through independent insurance agencies in the US and Canada and directly via the internet and telephone. Its premiums are split between the agent and the direct channel. The company also offers commercial auto policies and entered homeowners insurance through an acquisition in 2015.
- Ticker
- $PGR
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 70,053
- Headquarters
- Mayfield, United States
- Website
- www.progressive.com
Progressive Metrics
BasicAdvanced
$122B
10.55
$19.93
0.26
$13.90
0.19%
Price and volume
Market cap
$122B
Beta
0.26
52-week high
$247.49
52-week low
$189.20
Average daily volume
2.5M
Dividend rate
$13.90
Financial strength
Current ratio
0.293
Quick ratio
0.234
Long term debt to equity
0.244
Total debt to equity
0.244
Dividend payout ratio (TTM)
69.66%
Interest coverage (TTM)
50.76%
Profitability
EBITDA (TTM)
15,391
Gross margin (TTM)
18.52%
Net profit margin (TTM)
12.85%
Operating margin (TTM)
16.56%
Effective tax rate (TTM)
20.87%
Revenue per employee (TTM)
$1,300,000
Management effectiveness
Return on assets (TTM)
7.84%
Return on equity (TTM)
34.94%
Valuation
Price to earnings (TTM)
10.554
Price to revenue (TTM)
1.353
Price to book
3.56
Price to tangible book (TTM)
3.56
Price to free cash flow (TTM)
7.718
Free cash flow yield (TTM)
12.96%
Free cash flow per share (TTM)
27.248
Dividend yield (TTM)
6.61%
Forward dividend yield
0.19%
Growth
Revenue change (TTM)
10.49%
Earnings per share change (TTM)
12.28%
3-year revenue growth (CAGR)
17.66%
10-year revenue growth (CAGR)
15.24%
3-year earnings per share growth (CAGR)
89.95%
10-year earnings per share growth (CAGR)
27.18%
10-year dividend per share growth (CAGR)
-7.67%
What the Analysts think about Progressive
Analyst ratings (Buy, Hold, Sell) for Progressive stock.
Analyst projections of the future price of Progressive stock.
Bulls say / Bears say
Policies in force rose 7% year on year to 40.5 million in August, with agency and direct auto policies up 7% and 9%. That gives Progressive a growing customer base even as premium growth moderates. (Progressive)
Year-to-date net income was essentially unchanged at $8.04 billion and the combined ratio was 87.2, while trailing 12-month return on equity was 33.4%. These figures point to strong profitability despite weaker monthly comparisons. (Progressive)
Progressive says it reduced its share of insured value in high-weather-risk states by 23% and its modelled one-in-100-year probable maximum loss by nearly 33%, even as total insured value grew. A less catastrophe-exposed property book could support more measured growth with lower tail risk. (Exa.ai)
August net income fell 22% and the combined ratio worsened to 89.3 from 83.1 a year earlier; July also showed lower income and a weaker ratio. Continued deterioration would signal pressure on underwriting margins. (Progressive, Progressive)
Management described a soft market, with competitors taking on more risk and seeking growth, while Progressive’s premium growth was 6% in August. Stronger competition could constrain pricing and make it harder to sustain recent margins. (Progressive, Progressive)
Progressive disclosed several class-action and related lawsuits over claims practices, some of which have reached certified or conditional class-action status. The company says an unfavourable outcome or settlement across multiple cases could be materially adverse, although the potential amount is not currently estimable. (StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2026.
Progressive Financial Performance
Revenues and expenses
Progressive Earnings Performance
Company profitability
Upcoming events
Progressive News
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Funds containing Progressive
AllGBPUSDEUR
Fund name | Fund size | $PGR weighting |
|---|---|---|
iShares MSCI USA Quality Dividend ESG£HDIQ | £578M | 1.89% |
iShares S&P 500 Financials Sector$IUFS | $2.4B | 1.62% |
iShares S&P 500 Financials Sector£UIFS | £1.8B | 1.62% |
iShares MSCI World Quality Dividend$WQDV | $1.8B | 1.35% |
iShares MSCI World Quality Dividend£WQDS | £1.3B | 1.35% |
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