PGRPGR
US • —
$218.45
P/E
11.11
PEG
0.34
FCF Yield
—
Rev Growth YoY
+13.9% YoY
Gross Margin
—
Health Score
7/10
D/E Ratio
0.23
Confidence
LOW
Business Snapshot
Progressive Corporation is a major US auto and property-casualty insurer, generating the bulk of its revenue from personal auto insurance premiums. The company operates through a combination of direct-to-consumer channels and an extensive independent agency network, giving it broad distribution reach. Progressive holds a dominant position as one of the largest auto insurers in the United States, competing primarily on pricing sophistication and claims efficiency. A defining characteristic is its long-standing leadership in usage-based insurance through its telematics program, which allows it to price risk with granular data. Though the current market cap and revenue are unavailable in this payload, the company is widely regarded as a large-cap industry bellwether.
Financial Health
Progressive reports a net margin of 12.9%, reflecting healthy profitability typical of a well-run property-casualty insurer. The debt/equity ratio stands at 0.23x, indicating a conservative balance sheet with minimal leverage relative to equity...
Risk Assessment
- VALUATION — P/E of 11.11x sits below the sector average of 22x, which may indicate a value trap if earnings are expected to deteriorate.
- DEBT / LIQUIDITY — Current ratio of 0.09x is extremely low; while typical for insurers, it signals limited short-term liquidity coverage in a severe claims event.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- INSIDER ACTIVITY — Insiders have net sold 4 shares vs 0 buys over the last 90 days, a cautious signal about management's near-term conviction....
Progressive reports a net margin of 12.9%, reflecting healthy profitability typical of a well-run property-casualty insurer. The debt/equity ratio stands at 0.23x, indicating a conservative balance sheet with minimal leverage relative to equity. However, the current ratio of 0.09x is extremely low, which is common in the insurance industry due to the nature of premium collection and loss reserve accounting — it is not a standard liquidity risk signal for an insurer. Return on equity is a strong 35.4%, demonstrating highly efficient capital deployment and consistent underwriting profitability. Free cash flow data is unavailable in this payload, preventing a full assessment of cash generation vs operating needs. Overall, the company shows solid profitability and low debt, though the absence of cash flow data limits a complete financial health evaluation.
- VALUATION — P/E of 11.11x sits below the sector average of 22x, which may indicate a value trap if earnings are expected to deteriorate. - DEBT / LIQUIDITY — Current ratio of 0.09x is extremely low; while typical for insurers, it signals limited short-term liquidity coverage in a severe claims event. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed. - INSIDER ACTIVITY — Insiders have net sold 4 shares vs 0 buys over the last 90 days, a cautious signal about management's near-term conviction.
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