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PGR

The Progressive Corporation

NYQ · Financial Services

$221.35

-$2.56 (-1.15%)down -1.15%

25 August 2026 · delayed 15+ min

D

Quality score65.3 / 100

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

The Progressive Corporation earns a D 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). Reasonable investment with moderate upside potential.

Model stance HOLD Suggested position 6.0% · $600.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 6.0% suggested allocation Change these

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

IQ-PGR-20260825engine 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

$221.35

Mean analyst target

$230.81

52-week high

$249.83

Highest analyst target

$309.00

PGR trades 53% of the way up its 52-week range, between $189.20 and $249.83. The mean analyst target of $230.81 is 4.3% 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 60.022%

Return, 1 month

0.84%

Return, 3 months

12.46%

Return, 6 months

8.32%

Return, year to date

4.45%

Return, 1 year

-3.42%

Return, 3 years

83.21%

Sharpe ratio

0.80

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

52.71%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.09%

Best day

8.87%

Worst day

-13.12%

ValuationAttractive P/E ratio (11.1); High PEG ratio (62.60) 70.018%

P/E ratio

11.11

Price against trailing earnings

moderateWhat this means

You pay 11.11 for every 1 unit of annual earnings.

Roughly the long-run market average band.

Forward P/E

13.59

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

62.60

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

3.75

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

1.41

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

8.86

Whole-company value against cash earnings

moderateWhat this means

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

A conventional range.

Enterprise value

$136.41B

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

Shares outstanding

581,100,000

Shares the profit is split across

Dividend yield

0.18%

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 bullish (positive histogram) 100.015%

RSI (14)

57.8

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

1.45

Momentum against its own trend

MACD histogram

1.45

Positive is bullish

ADX

17.5

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

$213.74

50-day average

$215.77

200-day average

$207.90

Price vs 50-day

2.59%

Price vs 200-day

6.47%

Bollinger upper

$224.15

Bollinger lower

$203.32

Average true range

5.24

Typical daily trading range

Stochastic %K

84.3

Risk4 measured figures 35.012%

Volatility, annualised

25.41%

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) 65.010%

Consensus

Hold

What covering analysts rate it

Analysts covering

21

Mean price target

$230.81

Highest target

$309.00

Lowest target

$198.00

Implied upside

4.27%

Target against today's price

limitedWhat this means

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

Little headroom to the consensus target.

Price against the S&P 500

180 trading days to 2026-08-25

PGR is 5.7% up over the window, against 11.7% up for the S&P 500 — behind by 5.9 points.
PGR +5.7%S&P 500 +11.7%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-05, so they can be compared directly.
DateClosePGR rebasedS&P 500 rebased
2025-12-05$209.38100.0100.0
2025-12-29$214.66102.5100.5
2026-01-21$202.8096.9100.1
2026-02-11$208.1799.4101.0
2026-03-05$210.38100.599.4
2026-03-26$202.7196.894.3
2026-04-17$202.4996.7103.7
2026-05-08$193.9192.6107.7
2026-06-01$192.5892.0110.6
2026-06-23$215.59103.0107.2
2026-07-15$205.2298.0110.2
2026-08-05$212.76101.6112.4

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 & momentum60.022%13.2
Valuation70.018%12.6
Technical100.015%15.0
Risk35.012%4.2
Analyst view65.010%6.5
ESG50.00%0.0
Quality score100%65.3

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.

18%
23%
22%
12%
15%
10%
0%

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

Your grade

D

65.3 / 100

Identical to the IQInvest grade.

All 66 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
Worst dayGrowth & momentum-13.12%Yahoo Finance
Win rateGrowth & momentum52.71%Yahoo Finance
VolumeMarket data295,552Yahoo Finance
Volatility, annualisedRisk25.41%Yahoo Finance
Stochastic %KTechnical84.3Yahoo Finance
Sharpe ratioGrowth & momentum0.80Yahoo Finance
Shares outstandingValuation581,100,000Yahoo Finance
RSI (14)Technical57.8Yahoo Finance
Risk categoryRiskHighYahoo Finance
Revenue growthFinancial health7.30%Yahoo Finance
RevenueFinancial health$45.80BYahoo Finance
Return, year to dateGrowth & momentum4.45%Yahoo Finance
Return, 6 monthsGrowth & momentum8.32%Yahoo Finance
Return, 3 yearsGrowth & momentum83.21%Yahoo Finance
Return, 3 monthsGrowth & momentum12.46%Yahoo Finance
Return, 1 yearGrowth & momentum-3.42%Yahoo Finance
Return, 1 monthGrowth & momentum0.84%Yahoo Finance
Return on equityFinancial health34.94%Yahoo Finance
Return on assetsFinancial health7.84%Yahoo Finance
Quick ratioFinancial health0.23Yahoo Finance
Profit marginFinancial health12.85%Yahoo Finance
Price vs 50-dayTechnical2.59%Yahoo Finance
Price vs 200-dayTechnical6.47%Yahoo Finance
Price to salesValuation1.41Yahoo Finance
Price to bookValuation3.75Yahoo Finance
Previous closeMarket data$223.92Yahoo Finance
PEG ratioValuation62.60Yahoo Finance
Payout ratioFinancial health69.74%Yahoo Finance
P/E ratioValuation11.11Yahoo Finance
Operating marginFinancial health18.21%Yahoo Finance
Operating cash flowFinancial health$16.34BYahoo Finance
OpenMarket data$222.34Yahoo Finance
Mean price targetAnalyst view$230.81Yahoo Finance
Maximum drawdownRisk-30.35%Yahoo Finance
MACD histogramTechnical1.45Yahoo Finance
MACDTechnical1.45Yahoo Finance
Lowest targetAnalyst view$198.00Yahoo Finance
Implied upsideAnalyst view4.27%Yahoo Finance
Highest targetAnalyst view$309.00Yahoo Finance
Gross marginFinancial health18.52%Yahoo Finance
Free cash flowFinancial health$15.11BYahoo Finance
Forward P/EValuation13.59Yahoo Finance
EV / EBITDAValuation8.86Yahoo Finance
Enterprise valueValuation$136.41BYahoo Finance
EmployeesMarket data70,053Yahoo Finance
Earnings growthFinancial health5.00%Yahoo Finance
Dividend yieldValuation0.18%Yahoo Finance
Debt to equityFinancial health24.43Yahoo Finance
Day lowMarket data$220.87Yahoo Finance
Day highMarket data$222.58Yahoo Finance
Current ratioFinancial health0.29Yahoo Finance
ConsensusAnalyst viewHoldYahoo Finance
Bollinger upperTechnical$224.15Yahoo Finance
Bollinger lowerTechnical$203.32Yahoo Finance
BetaRisk0.26Yahoo Finance
Best dayGrowth & momentum8.87%Yahoo Finance
Average volumeMarket data3,199,404Yahoo Finance
Average true rangeTechnical5.24Yahoo Finance
Average daily returnGrowth & momentum0.09%Yahoo Finance
Analysts coveringAnalyst view21Yahoo Finance
ADXTechnical17.5Yahoo Finance
52-week lowMarket data$189.20Yahoo Finance
52-week highMarket data$249.83Yahoo Finance
50-day averageTechnical$215.77Yahoo Finance
200-day averageTechnical$207.90Yahoo Finance
20-day averageTechnical$213.74Yahoo Finance
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