Progressive Corp.
PGR - Insider Information
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+ FollowMarket Cap$135.55B
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Earnings Call Q4 2025
March 3, 2026 - AI Summary
Strong Financial Performance: In 2025, Progressive reported nearly $13 billion in comprehensive income, achieving a comprehensive return on equity of 40%. The company added nearly $9 billion in net premiums written and approximately 3.7 million new policies, resulting in a total market share increase to around 18.5% in the private passenger auto market. This notable growth followed a successful year in 2024.
Operational Efficiency Focus: Progressive aims to operate with less than or equal to a 96 combined ratio while providing high-quality customer service. Strong underwriting discipline remains a key driver of success, allowing significant profits even amidst challenging market conditions.
Flexible Capital Allocation: The company has a variable dividend policy that enables it to return capital to shareholders based on current capital levels and future growth expectations. A dividend of $13.50 per share was declared, alongside plans for increased share buybacks due to favorable share prices. This reflects a strong capital generation position with $13 billion held at year-end 2025.
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$59.37
74.7% downside
Current Fair Value
74.7% downsideOvervalued by 74.7% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $135.55 Billion |
|---|---|
| Enterprise Value | $135.55 Billion |
| Annual dividend | $13.90 |
| Dividend yield | 6.01% |
| Earnings per Share | $19.29 |
| Beta | 0.24 |
| Outstanding Shares | 581,693,000 |
Return
| Return on Equity | 213.38% |
|---|---|
| Return on Assets | 8.19% |
| Return on Invested Capital | 10.44% |
Valuation & Multiples
| P/E Ratio | 11.62 |
|---|---|
| PEG | -416.33 |
| Price to Sales | 1.63 |
| Price to Book Ratio | 3.91 |
| Enterprise Value to Revenue | 1.61 |
| Enterprise Value to EBIT | 10.16 |
| Enterprise Value to Net Income | 12 |
| Total Debt to Enterprise | 0 |
| Debt to Equity | 0 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 21, 2026
EPS Estimate
$4.30
Consensus analyst estimateRevenue Estimate
$22.61 B
Consensus analyst estimateNext Earnings Call
Expected Date
January 27, 2027
EPS Estimate
$4.02
Consensus analyst estimateRevenue Estimate
$20.13 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 90.64% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 4.12%▼ 83.71% |
|---|---|
| Total Invested | $4.99B▼ 95.55% |
| Investors Holding | 669▼ 1213.00% |
About Progressive Corp.
70,053 employees
CEO: Susan Griffith
The Progressive Corporation functions as an insurance holding company, delivering a comprehensive suite of personal and commercial property-casualty insurance products and associated services across the United States. Its operations are ...