Progressive Corp.
PGR
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+ FollowMarket Cap$133.03B
Close$
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% downside
Current Fair Value
74% downsideOvervalued by 74% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $133.03 Billion |
|---|---|
| Enterprise Value | $133.03 Billion |
| Dividend Yield | $13.90 (6.09%) |
| 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 | 11.46 |
|---|---|
| PEG | -410.55 |
| Price to Sales | 1.58 |
| Price to Book Ratio | 3.8 |
| Enterprise Value to Revenue | 1.58 |
| Enterprise Value to EBIT | 9.97 |
| Enterprise Value to Net Income | 12 |
| Total Debt to Enterprise | 0 |
| Debt to Equity | 0 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
October 21, 2026
EPS Estimate
$4.30
Average shareholder expectationRevenue Estimate
$22.61 B
Average shareholder expectationNext Earnings Call
Expected Date
January 27, 2027
EPS Estimate
$4.02
Average shareholder expectationRevenue Estimate
$20.18 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.0000▼ 90.64% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 2.24%▼ 85.59% |
|---|---|
| Total Invested | $2.71B▼ 97.58% |
| Investors Holding | 441▼ 1441.00% |
ESG Score
No data
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 ...