The Progressive Corporation (PGR)
NYSE · Financials · market cap 111.10B
Share price
$216.29
At the last nightly close
Intrinsic value
$127.67
A single conservative estimate.
Margin of safety
-41.0%
($127.67 − $216.29) ÷ $216.29
EV / EBIT
n/a
Not ranked: financial sector.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-08-25.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 87.64B | 14.50B | 11.31B | 19.29 | 17.20B |
| 2024-FY | 75.34B | 10.99B | 8.48B | 14.45 | 14.83B |
| 2023-FY | 62.08B | 5.17B | 3.90B | 6.61 | 10.39B |
| 2022-FY | 49.59B | 1.17B | 722.0M | 1.19 | 6.56B |
| 2021-FY | 47.70B | n/a | 3.35B | 5.66 | 7.52B |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- Progressive (PGR) Earnings: Latest Report, Earnings Call & Financialspublic.com
- Progressive (PGR) Stock Falls After Earnings Beat Meets Profit And Margin Pressurefinance.yahoo.com
- Progressive Corp (PGR) Stock Price & News - Google Financegoogle.com
- The Progressive Corporation (PGR) Stock Price, News, Quote & History - Yahoo Financefinance.yahoo.com
- Perplexityperplexity.ai
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on PGR.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.