PGR
PROGRESSIVE CORP/OH/Data updated: 2026-04-21 · Current price: $194
Composite Score: 56
HOLD
Score: 56 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
83
Growth
71
Valuation
33
Moat
42
Stability
70
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
37.3%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
16.4%
Quality threshold: > 5%
5-Year ROE: 37.3% → 33.1% → 19.2% → 4.5% → 18.4%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
3.06
Quality threshold: < 0.5
FCF (5yr avg)
11.9B $
Quality threshold: > 0
Current Ratio
1.33x
Quality threshold: > 1.5
FCF Trend (B USD)
$17.9B2022
$15.4B2023
$10.9B2024
$7.1B2025
$8.0B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$11.0B
Net Income + D&A - CapEx
Current Price
$194.00
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
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"Price is what you pay. Value is what you get."
— Warren Buffett