PGR

The Progressive Corporation

NYQ · Financial Services

$202.17

-$0.96 (-0.47%)down -0.47%

24 September 2026 · delayed 15+ min

F

Quality score57.0 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

The Progressive Corporation earns a F on good profit margins (>10%) and strong ROE (>20%) but current ratio below 1.0 (liquidity concerns) and high debt-to-equity ratio (>2.0). Consider alternatives with better risk/reward profiles.

Model stance WEAK HOLD Suggested position 4.0% · $400.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 4.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in dollars.

IQ-PGR-20260924engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

$189.20

Lowest analyst target

$198.00

Today's price

$202.17

Mean analyst target

$231.38

52-week high

$248.17

Highest analyst target

$302.00

PGR trades 22% of the way up its 52-week range, between $189.20 and $248.17. The mean analyst target of $231.38 is 14.4% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthGood profit margins (>10%); Strong ROE (>20%); Current ratio below 1.0 (liquidity concerns); High debt-to-equity ratio (>2.0) 60.023%

Profit margin

12.85%

Net profit per unit of revenue

healthyWhat this means

Of every 100 units of revenue, this much survives as profit.

A comfortable buffer between revenue and costs.

Operating margin

18.21%

Before interest and tax

healthyWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

The operations themselves are comfortably profitable.

Gross margin

18.52%

After the cost of goods only

lowWhat this means

What is left of revenue after only the direct cost of the product.

Costs of goods eat most of the revenue — normal in retail, distribution and hardware assembly.

Return on equity

34.94%

Profit per unit of shareholder capital

very strongWhat this means

Profit generated per unit of shareholder capital.

Rare when sustained — check whether debt is flattering it, since borrowing shrinks the equity denominator.

Return on assets

7.84%

Profit per unit of assets

strongWhat this means

Profit generated per unit of everything the company owns.

The assets are working hard.

Debt to equity

24.43

Borrowings against equity

conservativeWhat this means

Borrowings measured against shareholder capital.

Comfortably financed.

Current ratio

0.29

Short-term assets over short-term debts

tightWhat this means

Short-term assets against short-term obligations.

Below 1 the company owes more within a year than it holds — workable if customers pay up front, risky otherwise.

Quick ratio

0.23

As above, excluding inventory

tightWhat this means

Short-term assets excluding inventory, against short-term debts.

Very little liquid cover if receipts slow down.

Revenue growth

7.30%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

5.00%

Year on year

modestWhat this means

Change in earnings against the same period last year.

Slow profit growth.

Revenue

$45.80B

Trailing twelve months

Free cash flow

$15.11B

Cash left after capital spending

Operating cash flow

$16.34B

Cash from the business itself

Payout ratio

69.74%

Dividends as a share of earnings

highWhat this means

The share of earnings paid out as dividends.

Most of the profit goes out of the door, leaving less to reinvest.

Growth & momentum11 measured figures 55.022%

Return, 1 month

-8.97%

Return, 3 months

-6.16%

Return, 6 months

-0.23%

Return, year to date

-4.60%

Return, 1 year

-9.77%

Return, 3 years

55.24%

Sharpe ratio

0.77

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

53.04%

Share of days that closed up

consistently positiveWhat this means

The share of trading days that closed higher.

More up days than most shares manage.

Average daily return

0.09%

Best day

8.87%

Worst day

-13.12%

ValuationAttractive P/E ratio (10.1); High PEG ratio (62.29) 70.018%

P/E ratio

10.14

Price against trailing earnings

moderateWhat this means

You pay 10.14 for every 1 unit of annual earnings.

Roughly the long-run market average band.

Forward P/E

0.20

Price against forecast earnings

lowWhat this means

Price against next year's *forecast* earnings.

The market expects little growth, or doubts the forecast.

PEG ratio

62.29

P/E adjusted for growth

expensive for the growthWhat this means

P/E divided by the growth rate — it asks whether the price is justified by the growth.

Above 2 you pay more per unit of growth than the convention treats as reasonable.

Price to book

3.42

Price against balance-sheet equity

well above bookWhat this means

Price against the accounting value of the company's net assets.

Normal for asset-light businesses, where the value sits in brands and software the balance sheet never records.

Price to sales

1.29

Price against revenue

moderateWhat this means

Price against revenue — usable when a company has no profit yet.

A common range for a profitable, growing business.

EV / EBITDA

8.07

Whole-company value against cash earnings

moderateWhat this means

Whole-company value, debt included, against cash earnings.

A conventional range.

Enterprise value

$124.33B

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

580,400,000

Shares the profit is split across

Dividend yield

0.20%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalRSI in healthy range (30-70); MACD bearish (negative histogram) 45.015%

RSI (14)

32.1

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

-2.11

Momentum against its own trend

MACD histogram

-1.95

Positive is bullish

ADX

14.2

Trend strength; above 25 is a real trend

no clear trendWhat this means

Trend strength, regardless of direction.

Below about 20 the price is ranging rather than trending.

20-day average

$216.62

50-day average

$214.11

200-day average

$208.52

Price vs 50-day

-5.58%

Price vs 200-day

-3.04%

Bollinger upper

$227.62

Bollinger lower

$205.62

Average true range

4.56

Typical daily trading range

Stochastic %K

4.9

Risk4 measured figures 35.012%

Volatility, annualised

25.55%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.26

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-30.35%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

High

The engine's own banding

Analyst viewStrong analyst coverage (21 analysts) 75.010%

Consensus

Hold

What covering analysts rate it

Analysts covering

21

Mean price target

$231.38

Highest target

$302.00

Lowest target

$198.00

Implied upside

14.45%

Target against today's price

meaningfulWhat this means

How far the mean analyst target sits above today's price.

Analysts see real room above today's price.

Price against the S&P 500

180 trading days to 2026-09-24

PGR is 4.7% down over the window, against 10.9% up for the S&P 500 — behind by 15.6 points.
PGR -4.7%S&P 500 +10.9%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2026-01-06, so they can be compared directly.
DateClosePGR rebasedS&P 500 rebased
2026-01-06$212.15100.0100.0
2026-01-28$212.54100.2100.5
2026-02-19$201.5895.098.8
2026-03-12$204.9896.696.1
2026-04-02$195.1692.094.8
2026-04-24$200.8094.7103.2
2026-05-15$199.6494.1106.7
2026-06-08$200.1794.4106.6
2026-06-30$218.35102.9108.0
2026-07-22$204.5496.4108.0
2026-08-12$207.3797.7111.6
2026-09-02$221.38104.4110.4

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health60.023%13.8
Growth & momentum55.022%12.1
Valuation70.018%12.6
Technical45.015%6.8
Risk35.012%4.2
Analyst view75.010%7.5
ESG50.00%0.0
Quality score100%57.0

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

What each model believes. Pick one above, or set your own sliders below.
ModelThe emphasis
IQInvest defaultThe engine's own weighting: financial health 23% and performance 22% lead, valuation 18%, then technicals, risk and analysts.
Value investorPrice against worth dominates: valuation 40%, financial health 25%. Chart signals count for almost nothing.
Growth investorMomentum first: performance 40% and technicals 20%. Whether the price is fair today gets just 5%.
Sleep at nightStability over everything: risk 35% and financial health 30% together outweigh all other categories combined.
ChartistThe tape over the fundamentals: technicals 45% and performance 25%. Valuation is nearly ignored.
18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

F

57.0 / 100

Identical to the IQInvest grade.

All 66 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
Analysts coveringAnalyst view21Yahoo Finance
ConsensusAnalyst viewHoldYahoo Finance
Highest targetAnalyst view$302.00Yahoo Finance
Implied upsideAnalyst view14.45%Yahoo Finance
Lowest targetAnalyst view$198.00Yahoo Finance
Mean price targetAnalyst view$231.38Yahoo Finance
Current ratioFinancial health0.29Yahoo Finance
Debt to equityFinancial health24.43Yahoo Finance
Earnings growthFinancial health5.00%Yahoo Finance
Free cash flowFinancial health$15.11BYahoo Finance
Gross marginFinancial health18.52%Yahoo Finance
Operating cash flowFinancial health$16.34BYahoo Finance
Operating marginFinancial health18.21%Yahoo Finance
Payout ratioFinancial health69.74%Yahoo Finance
Profit marginFinancial health12.85%Yahoo Finance
Quick ratioFinancial health0.23Yahoo Finance
Return on assetsFinancial health7.84%Yahoo Finance
Return on equityFinancial health34.94%Yahoo Finance
RevenueFinancial health$45.80BYahoo Finance
Revenue growthFinancial health7.30%Yahoo Finance
Average daily returnGrowth & momentum0.09%Yahoo Finance
Best dayGrowth & momentum8.87%Yahoo Finance
Return, 1 monthGrowth & momentum-8.97%Yahoo Finance
Return, 1 yearGrowth & momentum-9.77%Yahoo Finance
Return, 3 monthsGrowth & momentum-6.16%Yahoo Finance
Return, 3 yearsGrowth & momentum55.24%Yahoo Finance
Return, 6 monthsGrowth & momentum-0.23%Yahoo Finance
Return, year to dateGrowth & momentum-4.60%Yahoo Finance
Sharpe ratioGrowth & momentum0.77Yahoo Finance
Win rateGrowth & momentum53.04%Yahoo Finance
Worst dayGrowth & momentum-13.12%Yahoo Finance
52-week highMarket data$248.17Yahoo Finance
52-week lowMarket data$189.20Yahoo Finance
Average volumeMarket data2,737,114Yahoo Finance
Day highMarket data$204.86Yahoo Finance
Day lowMarket data$200.96Yahoo Finance
EmployeesMarket data70,053Yahoo Finance
OpenMarket data$204.29Yahoo Finance
Previous closeMarket data$203.13Yahoo Finance
VolumeMarket data4,597,927Yahoo Finance
BetaRisk0.26Yahoo Finance
Maximum drawdownRisk-30.35%Yahoo Finance
Risk categoryRiskHighYahoo Finance
Volatility, annualisedRisk25.55%Yahoo Finance
20-day averageTechnical$216.62Yahoo Finance
200-day averageTechnical$208.52Yahoo Finance
50-day averageTechnical$214.11Yahoo Finance
ADXTechnical14.2Yahoo Finance
Average true rangeTechnical4.56Yahoo Finance
Bollinger lowerTechnical$205.62Yahoo Finance
Bollinger upperTechnical$227.62Yahoo Finance
MACDTechnical-2.11Yahoo Finance
MACD histogramTechnical-1.95Yahoo Finance
Price vs 200-dayTechnical-3.04%Yahoo Finance
Price vs 50-dayTechnical-5.58%Yahoo Finance
RSI (14)Technical32.1Yahoo Finance
Stochastic %KTechnical4.9Yahoo Finance
Dividend yieldValuation0.20%Yahoo Finance
Enterprise valueValuation$124.33BYahoo Finance
EV / EBITDAValuation8.07Yahoo Finance
Forward P/EValuation0.20Yahoo Finance
P/E ratioValuation10.14Yahoo Finance
PEG ratioValuation62.29Yahoo Finance
Price to bookValuation3.42Yahoo Finance
Price to salesValuation1.29Yahoo Finance
Shares outstandingValuation580,400,000Yahoo Finance
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