US7433151039 - Common Stock

We assign a fundamental rating of **5** out of 10 to **PGR**. **PGR** was compared to 140 industry peers in the **Insurance** industry. There are concerns on the financial health of **PGR** while its profitability can be described as average. **PGR** is growing strongly while it is still valued neutral. This is a good combination!

In the past year **PGR** was profitable.

Each year in the past 5 years **PGR** has been profitable.

Each year in the past 5 years **PGR** had a positive operating cash flow.

Looking at the **Return On Assets**, with a value of **7.01%**, **PGR** belongs to the top of the industry, outperforming **89.93%** of the companies in the same industry.

With an excellent **Return On Invested Capital** value of **7.84%**, **PGR** belongs to the best of the industry, outperforming **89.21%** of the companies in the same industry.

The last **Return On Invested Capital** (**7.84%**) for **PGR** is above the 3 year average (**3.98%**), which is a sign of increasing profitability.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 7.01% | ||

ROE | 29.4% | ||

ROIC | 7.84% |

ROA(3y)3.32%

ROA(5y)5.2%

ROE(3y)13.89%

ROE(5y)20.76%

ROIC(3y)3.98%

ROIC(5y)6.2%

In the last couple of years the **Profit Margin** of **PGR** has declined.

With a **Operating Margin** value of **13.26%**, **PGR** perfoms like the industry average, outperforming **55.40%** of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | 13.26% | ||

PM (TTM) | 10.12% | ||

GM | N/A |

OM growth 3Y-21.67%

OM growth 5Y-4.38%

PM growth 3Y-22.39%

PM growth 5Y-5.17%

GM growth 3YN/A

GM growth 5YN/A

Compared to 1 year ago, **PGR** has about the same amount of shares outstanding.

Compared to 5 years ago, **PGR** has more shares outstanding

Looking at the **Debt to Equity ratio**, with a value of **0.30**, **PGR** is in line with its industry, outperforming **58.27%** of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.3 | ||

Debt/FCF | 0.53 | ||

Altman-Z | N/A |

ROIC/WACC0.94

WACC8.36%

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | N/A | ||

Quick Ratio | N/A |

Measured over the past 5 years, **PGR** shows a small growth in **Earnings Per Share**. The EPS has been growing by **4.05%** on average per year.

EPS 1Y (TTM)273.86%

EPS 3Y-6.48%

EPS 5Y4.05%

EPS Q2Q%562.5%

Revenue 1Y (TTM)21.33%

Revenue growth 3Y13.34%

Revenue growth 5Y14.21%

Sales Q2Q%21.64%

The **Earnings Per Share** is expected to grow by **15.10%** on average over the next years. This is quite good.

Based on estimates for the next years, **PGR** will show a quite strong growth in **Revenue**. The Revenue will grow by **14.85%** on average per year.

EPS Next Y100.65%

EPS Next 2Y42.68%

EPS Next 3Y30.76%

EPS Next 5Y15.1%

Revenue Next Year21.54%

Revenue Next 2Y17.64%

Revenue Next 3Y14.85%

Revenue Next 5YN/A

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

When comparing the **Price/Earnings** ratio of **PGR** to the average of the S&P500 Index (**28.79**), we can say **PGR** is valued slightly cheaper.

Compared to an average S&P500 **Price/Forward Earnings** ratio of **20.38**, **PGR** is valued at the same level.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 19.38 | ||

Fwd PE | 17.83 |

Compared to the rest of the industry, the **Enterprise Value to EBITDA** ratio of **PGR** is on the same level as its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 9.9 | ||

EV/EBITDA | 14.73 |

The low **PEG Ratio(NY)**, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as **PGR**'s earnings are expected to grow with **30.76%** in the coming years.

PEG (NY)0.19

PEG (5Y)4.79

EPS Next 2Y42.68%

EPS Next 3Y30.76%

Compared to an average S&P500 **Dividend Yield** of **2.32**, **PGR**'s dividend is way lower than the S&P500 average.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 0.18% |

The dividend of **PGR** decreases each year by **-16.19%**.

The dividend of **PGR** decreased in the last 3 years.

Dividend Growth(5Y)-16.19%

Div Incr Years1

Div Non Decr Years2

DP10.23%

EPS Next 2Y42.68%

EPS Next 3Y30.76%

**PROGRESSIVE CORP**

NYSE:PGR (8/9/2024, 7:06:57 PM)

After market: 221.73 0 (0%)**221.73**

**+3.37 (+1.54%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap129.87B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 0.18% |

Dividend Growth(5Y)

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Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

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EPS beat(16)

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PT rev (3m)

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EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 19.38 | ||

Fwd PE | 17.83 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

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OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)0.19

PEG (5Y)4.79

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 7.01% | ||

ROE | 29.4% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | 13.26% | ||

PM (TTM) | 10.12% | ||

GM | N/A | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

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ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.69

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 0.3 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | N/A | ||

Quick Ratio | N/A | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)273.86%

EPS 3Y-6.48%

EPS 5Y

EPS Q2Q%

EPS Next Y100.65%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)21.33%

Revenue growth 3Y13.34%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

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EBIT growth 3Y

EBIT growth 5Y

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EBIT Next 5Y

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FCF growth 3Y

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OCF growth 3Y

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