PGR
Progressive Corporation
Financials · Property & Casualty Insurance · US
✗ ETHICAL FAIL
MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics
How this company measures up on the fundamentals that matter
Market Cap
$113.4B
Total market value of the company
9.90
Very cheap relative to earnings
12.00
Based on estimated future earnings — lower means cheaper
Rev Growth
+8.7%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
37.9%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$230.81
+13% from current price — median analyst estimate
Recommendation
HOLD
Consensus view from 21 analysts covering this stock
About 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-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.
https://www.progressive.com
Country: United States Employees: 70,053 Industry: Insurance - Property & Casualty
Ethical Screening
Five compliance checks based on AAOIFI standards — all must pass for ethical clearance
Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
$323.00
What our model estimates this business is worth per share
36.8%
Trading below fair value — margin of safety exists
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
68.3th
Ranks in the top 32% of our 13,571 screened universe
Trading at $194 against a fair value of $323, a 40% discount. Moderate competitive position. Fails ethical screen (Business activity screen). Ranks better than 82% of screened stocks.
Quantitative Intelligence
Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data
MARKDOWN
Price trending down — defensive positioning
0.229
Positive but modest risk-adjusted returns
0.0195
Marginal edge — very small allocation suggested
0.088
Drawdown risk outweighs the returns — higher risk profile
Annual Return
2.6%
Historical annualised return based on price data
-30.0%
Largest peak-to-trough decline — the worst it has been
SIDEWAYS
Price consolidating — no clear directional bias
Days in State
4
How long the current regime has persisted — longer means more stable
Market Data
Trading characteristics and market positioning
0.30
Very low correlation to market moves
52W High
$289.96
30% below the year high
52W Low
$191.75
6% above the year low
Avg Volume
2,856,725
Average daily shares traded — higher means easier to buy and sell
2.7
Days it would take all short sellers to cover — higher means more crowded
Short % Float
1.2%
Low short interest — limited bearish positioning
716.0%
Annual dividend as a percentage of the share price
$19.65
Earnings per share over the last 12 months
Financial Health
Balance sheet strength and cash generation — the foundation of long-term value
0.26
Conservative use of debt — low financial risk
0.30
Below 1 means short-term obligations exceed liquid assets — risk flag
Quick Ratio
0.24
Like current ratio but excludes inventory — stricter test
Gross Margin
18.6%
Revenue left after cost of goods — higher means pricing power
Operating Margin
16.4%
Profit from core operations before interest and tax
$15.5B
Positive — the business generates more cash than it spends
Revenue (TTM)
$89.4B
Total revenue over the last 12 months
Net Income
$11.6B
Profitable — the bottom line is positive
Recent Insider Activity
SEC Form 4 filings — what company insiders are buying and selling
35
SELL LEANING
More selling than buying from insiders recently. 2 sales vs 0 purchases in 90 days. Politicians have been buying this name.
| Date |
Insider |
Title |
Type |
Shares |
Value |
| 2026-04-16 |
Johnson Devin C |
Dir |
Sale |
980 |
$199,038 |
| 2026-03-20 |
Joyce Carl G |
Chief Accounting Officer |
Sale |
270 |
$55,754 |
| 2026-03-05 |
Joyce Carl G |
Chief Accounting Officer |
Sale |
141 |
$29,892 |
| 2026-03-05 |
Bailo Karen |
Commercial Lines Pres |
Sale |
3,517 |
$745,604 |
| 2026-02-24 |
Pumarejo Maribel |
Chief Marketing Oficer |
Sale |
739 |
$150,138 |
| 2026-02-23 |
Bauer Jonathan S. |
Chief Investment Officer |
Sale |
2,266 |
$460,111 |
| 2026-01-21 |
Quigg Andrew J |
Chief Strategy Officer |
Sale |
1,649 |
$336,973 |
| 2026-01-21 |
Bauer Jonathan S. |
Chief Investment Officer |
Sale |
3,105 |
$634,507 |
| 2025-12-19 |
Broz Steven |
CIO |
Sale |
1,344 |
$302,131 |
| 2025-11-28 |
Sauerland John P |
VP, CFO |
Sale |
5,000 |
$1,142,400 |
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity
Congressional trading disclosures involving this instrument
| Date |
Politician |
Party |
Type |
Amount |
| 2026-04-13 |
Ro Khanna |
Democrat |
Purchase |
1K–15K |
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Data sourced from public filings and market feeds. Not financial advice. Updated: