Progressive Corp (PGR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Progressive Corp stock (PGR) is currently trading at $206.00. Progressive Corp PE ratio is 10.54. Progressive Corp PS ratio (Price-to-Sales) is 1.38. Analyst consensus price target for PGR is $232.71. WallStSmart rates PGR as Moderate Buy.
- PGR PE ratio analysis and historical PE chart
- PGR PS ratio (Price-to-Sales) history and trend
- PGR intrinsic value — DCF, Graham Number, EPV models
- PGR stock price prediction 2025 2026 2027 2028 2029 2030
- PGR fair value vs current price
- PGR insider transactions and insider buying
- Is PGR undervalued or overvalued?
- Progressive Corp financial analysis — revenue, earnings, cash flow
- PGR Piotroski F-Score and Altman Z-Score
- PGR analyst price target and Smart Rating
Progressive Corp
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PGR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Progressive Corp (PGR)
PGR trades at a significant discount to its Graham intrinsic value of $914.94, offering a 77% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Progressive Corp (PGR) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, return on equity, price/sales. Concerns around peg ratio. Overall metrics suggest strong investment potential with favorable risk/reward.
Progressive Corp (PGR) Key Strengths (5)
Every $100 of shareholder equity generates $41 in profit
88.62% of shares held by major funds and institutions
Large-cap company with substantial market presence
Paying $1.38 for every $1 of annual revenue
Strong earnings growth at 25.20% per year
Supporting Valuation Data
Progressive Corp (PGR) Areas to Watch (5)
Very expensive relative to growth, significant premium
Premium pricing at 3.9x book value
Decent operational efficiency, solid but not exceptional
Solid revenue growth at 12.20% per year
Decent profitability, keeps $13 per $100 revenue
Progressive Corp (PGR) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Return on Equity, Institutional Own., Market Cap. Valuation metrics including Price/Sales (1.38) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 40.50%. Growth metrics are encouraging with EPS Growth at 25.20%.
The Bear Case
The primary concerns are PEG Ratio, Price/Book, Operating Margin. Some valuation metrics including PEG Ratio (31.06), Price/Book (3.92) suggest expensive pricing. Growth concerns include Revenue Growth at 12.20%, which may limit upside. Profitability pressure is visible in Operating Margin at 16.50%, Profit Margin at 12.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 40.50% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 12.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Institutional Own.) and negatives (PEG Ratio, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WallStSmart Analysis Synopsis
Data-driven financial summary for Progressive Corp (PGR) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Progressive Corp operates as a stable business with moderate growth and solid fundamentals. Revenue reached 87.6B with 12% growth year-over-year. Profit margins of 12.9% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 4050.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 3.0B in free cash flow and 3.2B in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Progressive Corp push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 6.9%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Progressive Corp.
Bottom Line
Progressive Corp offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(74 last 3 months)
| Insider | Type | Shares |
|---|---|---|
PUMAREJO, MARIBEL Chief Marketing Oficer | Sell | -738.684 |
| Insider | Type | Shares |
|---|---|---|
BAUER, JONATHAN S. Chief Investment Officer | Sell | -2,266 |
| Insider | Type | Shares |
|---|---|---|
DAVIS, CHARLES A Director | Sell | -87,755 |
Data sourced from SEC Form 4 filings
Last updated: 8:12:56 AM
About Progressive Corp(PGR)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.