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The Progressive Corporation PGR NYSE

NYSE • Financial Services • Insurance - Property & Casualty • US • USD

SharesGrow Score
76/100
4/7 Pass
SharesGrow Intrinsic Value
$123.69
-37.1%
Analyst Price Target
$230.38
+17.2%

The Progressive Corporation (PGR) is a Insurance - Property & Casualty company in the Financial Services sector, currently trading at $196.59. It has a SharesGrow Score of 76/100, indicating a strong investment profile with 4 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of PGR = $123.69 (-37.1% from the current price, the stock appears overvalued). Analyst consensus target is PGR = $230 (+17.2% upside).

Valuation: PGR trades at a trailing Price-to-Earnings (P/E) of 10.3 (S&P 500 average ~25).

Financials: revenue is $87.6B, +21%/yr average growth. Net income is $11.3B, growing at +197.1%/yr. Net profit margin is 12.9% (healthy). Gross margin is 29.5% (-70.5 pp trend).

Balance sheet: total debt is $0 against $4.6B equity (Debt-to-Equity (D/E) ratio 0, conservative). Debt-to-assets is 0%. Total assets: $91.1B.

Analyst outlook: 17 / 41 analysts rate PGR as buy (41%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 100/100 (Pass), Moat 58/100 (Partial), Future 46/100 (Partial), Income 55/100 (Partial).

$230.38
▲ 17.19% Upside
Average Price Target
Based on 41 Wall Street analysts offering 12-month price targets for The Progressive Corporation, the average price target is $230.38, with a high forecast of $265.00, and a low forecast of $208.00.
Highest Price Target
$265.00
Average Price Target
$230.38
Lowest Price Target
$208.00

PGR SharesGrow Score Overview

76/100
SharesGrow Score
Strong investment profile
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VALUE 75/100
Valuation — P/E, PEG, Forward PEG
GROWTH 100/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 100/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 58/100
Gross margin is + market cap
FUTURE 46/100
Analyst outlook — as buy
INCOME 55/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — PGR

VALUE Pass
75/100
PGR trades at a trailing Price-to-Earnings (P/E) of 10.3 (S&P 500 average ~25). Forward PEG -8.96 — Peter Lynch undervalued (≤1.0). Trailing PEG 1.84. Analyst consensus target is $230, implying +17% from the current price $197. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
100/100
PGR: +21%/yr revenue is, +197.1%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
PGR: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Pass
100/100
Balance sheet PGR: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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MOAT Partial
58/100
PGR: Gross margin is 29.5% (-70.5 pp trend), $115B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 58/100. ≥ 70 = Pass.
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FUTURE Partial
46/100
Analyst outlook: 17 / 41 analysts rate PGR as buy (41%). Analyst consensus target is $230 (+17% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Partial
55/100
PGR: Net profit margin is 12.9%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range192.02-289.96
Volume3.16M
Avg Volume (30D)3.34M
Market Cap$115.18B
Beta (1Y)0.33
Dividend Yield$14.0000
Share Statistics
EPS (TTM)19.29
Shares Outstanding$586.3M
IPO Date1980-03-17
Employees66,308
CEOSusan Patricia Griffith
Financial Highlights & Ratios
Revenue (TTM)$87.64B
Gross Profit$25.83B
EBITDA$14.81B
Net Income$11.31B
Operating Income$14.22B
Total Cash$92.83B
Total Assets$91.06B
Price / Earnings (P/E)10.2
Price / Sales (P/S)1.31
Analyst Forecast
1Y Price Target$225.00
Target High$265.00
Target Low$208.00
Upside+14.5%
Rating ConsensusHold
Analysts Covering41
Buy 41% Hold 49% Sell 10%
Price Target Summary
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS7433151039

Price Chart

PGR
The Progressive Corporation  ·  NYSE
Financial Services • Insurance - Property & Casualty
192.02 52WK RANGE 289.96
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