The Progressive Corporation (PGR) Stock Analysis | Financial Data & Charts

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

14.76%

Operating Income = $2.29B

Revenue = $15.00B

Pre-tax Profit Margini

14.76%

Income Before Tax = $2.29B

Revenue = $15.00B

Net Profit Margini

11.62%

Net Income = $1.80B

Revenue = $15.00B

Tax Metrics

Effective Tax Ratei

21.29%

Income Tax Expense = $0.49B

Income Before Tax = $2.29B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $12.83B

Financial Sector PPNR Metrics

PPNRi

$-0.29B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: N/A | non interest income: N/A | non interest expense: $0.22B

PPNR Margini

-1.31%

PPNR = $-0.29B

Revenue = $15.00B

PPNR / Avg Assetsi

-0.26%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-0.29B | avg total assets: $113.37B

Cost Efficiency Metrics

Efficiency Ratioi

1.49%

Non-Interest Expense = $0.22B

Revenue = $15.00B

Cost-to-Incomei

38.22%

Operating Expenses = $5.73B

Revenue = $15.00B

Cost-to-Assetsi

5.06%

Operating Expenses = $5.73B

Avg Total Assets = $113.37B

Operating Leverage Metrics

Operating JAWSi

40.87%

Revenue Growth = -25.99%

Expense Growth = -66.87%

Operating Margin Expansioni

0.64pp

Current Operating Margin = 15.28%

Prior Operating Margin = 14.64%

Earnings Quality Metrics

Earnings Qualityi

2.88x

Operating Cash Flow = $5.20B

Net Income = $1.80B

Accruals / Avg Assetsi

-2.99%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.80B | operating cash flow: $5.20B | avg total assets: $113.37B

Volatility Metrics

PPNR Volatilityi

0.76x

Core Revenue Volatilityi

0.10x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $85.19B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $17.93B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

$32.84B

Tangible Assets (TA)i

$119.37B

TCE / TA Ratioi

27.51%

✅ Healthy

TCE = $32.84B

TA = $119.37B

Leverage

Equity / Assets (E/A)i

29.16%

Total Equity = $35.45B

Total Assets = $121.53B

Assets / Equity (A/E)i

3.43x

Total Assets = $121.53B

Total Equity = $35.45B

Capital Quality

AOCI / TCEi

0.58%

✅ Healthy

AOCI = $0.19B

TCE = $32.84B

(Goodwill + Intangibles) / Equityi

6.11%

✅ Healthy

GW+Intangibles = $2.16B

Total Equity = $35.45B

Liquidity

Liquidity Buffer (HQLA proxy)i

8.52%

⚠️ Warning

Cash+ST Inv = $10.36B

Total Assets = $121.53B

Funding Structure

Wholesale Funding Ratio (Core)i

8.01%

✅ Healthy

ST+LT Debt = $6.90B

Total Liabilities = $86.09B

Securities / Assetsi

86.14%

🔴 Risk

ST+LT Inv = $104.69B

Total Assets = $121.53B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$32.84B

ATCE / TAi

27.51%

TCE ATCE = $32.84B

TA = $119.37B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 2751.00%

ATCE/TA = 2751.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

1.62x

TTM Operating Cash Flow = $17.39B

TTM Net Income = $10.71B

Cash Flow ROA (CFROA)i

14.67%

TTM Operating Cash Flow = $17.39B

Average Total Assets = $118.51B

Liquidity / Solvency

Cash Flow Adequacyi

5.42x

TTM Operating Cash Flow = $17.39B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $3.21B

OCF / Short-Term Debti

N/A

TTM Operating Cash Flow = $17.39B

Short-Term Debt = $0.00B

Sustainability / Stability

OCF Growth Rate (YoY)i

12.68%

Current Quarter OCF = $5.20B

Same Quarter Last Year OCF = $4.61B

OCF Volatility (CV)i

0.36x

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profitability Margins

Operating Income Margini

14.76%

Operating Income = $2.29B

Revenue = $15.00B

Pre-tax Profit Margini

14.76%

Income Before Tax = $2.29B

Revenue = $15.00B

Net Profit Margini

11.62%

Net Income = $1.80B

Revenue = $15.00B

Tax Metrics

Effective Tax Ratei

21.29%

Income Tax Expense = $0.49B

Income Before Tax = $2.29B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $12.83B

Financial Sector PPNR Metrics

PPNRi

$-0.29B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: N/A | non interest income: N/A | non interest expense: $0.22B

PPNR Margini

-1.31%

PPNR = $-0.29B

Revenue = $15.00B

PPNR / Avg Assetsi

-0.26%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $-0.29B | avg total assets: $113.37B

Cost Efficiency Metrics

Efficiency Ratioi

1.49%

Non-Interest Expense = $0.22B

Revenue = $15.00B

Cost-to-Incomei

38.22%

Operating Expenses = $5.73B

Revenue = $15.00B

Cost-to-Assetsi

5.06%

Operating Expenses = $5.73B

Avg Total Assets = $113.37B

Operating Leverage Metrics

Operating JAWSi

40.87%

Revenue Growth = -25.99%

Expense Growth = -66.87%

Operating Margin Expansioni

0.64pp

Current Operating Margin = 15.28%

Prior Operating Margin = 14.64%

Earnings Quality Metrics

Earnings Qualityi

2.88x

Operating Cash Flow = $5.20B

Net Income = $1.80B

Accruals / Avg Assetsi

-2.99%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.80B | operating cash flow: $5.20B | avg total assets: $113.37B

Volatility Metrics

PPNR Volatilityi

0.76x

Core Revenue Volatilityi

0.10x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $85.19B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $17.93B | employee count: N/A

Capital Adequacy

Tangible Common Equity (TCE)i

$32.84B

Tangible Assets (TA)i

$119.37B

TCE / TA Ratioi

27.51%

✅ Healthy

TCE = $32.84B

TA = $119.37B

Leverage

Equity / Assets (E/A)i

29.16%

Total Equity = $35.45B

Total Assets = $121.53B

Assets / Equity (A/E)i

3.43x

Total Assets = $121.53B

Total Equity = $35.45B

Capital Quality

AOCI / TCEi

0.58%

✅ Healthy

AOCI = $0.19B

TCE = $32.84B

(Goodwill + Intangibles) / Equityi

6.11%

✅ Healthy

GW+Intangibles = $2.16B

Total Equity = $35.45B

Liquidity

Liquidity Buffer (HQLA proxy)i

8.52%

⚠️ Warning

Cash+ST Inv = $10.36B

Total Assets = $121.53B

Funding Structure

Wholesale Funding Ratio (Core)i

8.01%

✅ Healthy

ST+LT Debt = $6.90B

Total Liabilities = $86.09B

Securities / Assetsi

86.14%

🔴 Risk

ST+LT Inv = $104.69B

Total Assets = $121.53B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$32.84B

ATCE / TAi

27.51%

TCE ATCE = $32.84B

TA = $119.37B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 2751.00%

ATCE/TA = 2751.00%

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The Progressive Corporation

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)