Progressive Corp (PGR)
被低估基本面
81
价格
$208.85
市值
$121.58B
第一部分 · 这家公司值多少
概览
The Progressive Corporation operates as an insurance company in the United States. It writes insurance for personal autos and special lines products, including motorcycles, RVs, and watercraft; and personal residential property insurance for homeowners and renters. The company also writes auto-related liability and physical damage insurance for comprising dump trucks, log trucks, garbage trucks, tractors, trailers, straight trucks, tow trucks and wreckers, vans, pick-up trucks, and autos; business-related general liability and commercial property insurance for small businesses; and workers' compensation insurance for the transportation industry. In addition, it offers other specialty property-casualty insurance and provides related services; personal property reinsurance products; and involved in investment activities. It sells its products through independent insurance agencies, as well as online and over the phone. The Progressive Corporation was founded in 1937 and is headquartered in Mayfield, Ohio.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 2026年9月19日 with claude-haiku-4-5 — shared with all users
Allstate is the fourth-largest US personal auto writer and competes with Progressive on both auto and homeowners policies, through agents and increasingly through its own direct brands.
Travelers is one of the largest US commercial auto and small-business insurers, competing with Progressive's Commercial Lines segment for fleet, contractor and trucking policies.
State Farm is the other carrier at the top of the US private passenger auto market, writing roughly the same premium volume as Progressive and competing for the same household auto and home policies nationwide.
GEICO is Progressive's closest rival in the direct-to-consumer auto channel, selling online and by phone to the same price-sensitive US drivers and spending heavily on the same advertising battleground.
USAA is a top-five US personal auto and property insurer that competes directly for military families and veterans, a segment Progressive also courts with dedicated pricing and bundles.
Liberty Mutual writes personal auto and home insurance across the US alongside a large commercial book, overlapping with Progressive in both the personal and small-business lines.
资产负债表与流动性
营收
$91.06B
最近12个月（截至2026/6/30）
净利润
$11.70B
最近12个月（截至2026/6/30）
自由现金流
$17.20B
股东权益合计
$30.32B
负债合计
$92.72B
流动比率
0.09
利息覆盖率
-
债务/EBITDA
0.54
每股收益
营收与净利润
自由现金流
收入构成
历史财务表
利润率变化
债务变化
债务负担有多重
增长一览表
增长 — 营业收入
公允价值估算
公允价值
$293.87
当前价格
$208.85
安全边际
+28.9%
公允价值区间
$196.67 - $391.06
所用估值方法之间的离散区间，并非经过统计校准的置信区间。
估算方法
估值指标
市盈率（P/E）
10.40
ROE
37.3%
市净率（P/B）
3.51
P/FCF
7.56
毛利率
-
ROIC
-
盈利能力雷达图
价值创造（经济护城河）
ROIC
-
WACC
7.6%
ROIC − WACC
-
基本面分析标准
通过（17）
- EPS shows upward trend
- EPS CAGR 14.62%
- Price CAGR 19.88%
- P/FCF 7.56
- Debt/Equity ratio
- Positive Free Cash Flow
- CapEx intensity
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- ROE 35.4%
- Revenue Growth 5Y 15.5%
- PEG Ratio 0.71
- Earnings Quality (OCF/NI) 1.40
- Share Dilution -0.1%
- Net Margin Trend 12.8% vs 12.7%
- Piotroski F-Score 6/9
未通过（5）
- P/B Ratio 3.51
- Price below Graham Number
- DCF valuation (Overvalued)
- Analyst Consensus 39% Buy
- Earnings Surprise avg -3.8%
不可用（6）
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Operating Margin NaN%
- Current Ratio
- Interest Coverage
Piotroski F-评分
信号混杂：部分领域需关注
盈利质量
高质量：盈利有现金流支撑
股权稀释
正在回购股份，对股东友好
机构持股
公司治理
管理团队
| 姓名 | 职位 | 年龄 |
|---|---|---|
| Ms. Susan Patricia Griffith | President, CEO & Director | 61 |
| Mr. Patrick K. Callahan | President of Personal Lines | 55 |
| Mr. John Joseph Murphy | President of Claims | 56 |
| Ms. Karen Barone Bailo | President of Commercial Lines | 57 |
| Mr. Andrew John Quigg | VP & CFO | 46 |
| Mr. Jonathan S. Bauer | Chief Investment Officer | 47 |
| Mr. Carl G. Joyce | VP & Chief Accounting Officer | 43 |
| Mr. Steven Anthony Broz | Chief Information Officer | 55 |
| Ms. Julianna Paterra C.F.A. | Director of Investor Relations | - |
| Mr. David M. Stringer | VP, Secretary & Chief Legal Officer | 50 |
审计风险
7
董事会风险
2
薪酬风险
3
股东权利风险
6
第二部分 · 价格与买入时机
这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。
损益历史
via SEC EDGAR
Latest News
Recent headlines for PGR, sourced from Markets Gazette.
- 5/25/2026POSITIVE$100 Invested In Progressive 5 Years Ago Would Be Worth This Much Today
An investment of $100 in Progressive Corporation five years ago would have yielded a significant return, illustrating the company's strong performance and growth trajectory. While specific figures are not detailed in the provided snippet, such an article typically highlights substantial capital appreciation driven by factors like increased market share, successful product launches, and favorable industry conditions. Investors would view this as a testament to Progressive's robust business model and its ability to generate wealth over the medium term, potentially encouraging further investment.
- 4/16/2026POSITIVEThese Analysts Increase Their Forecasts On Progressive Following Q1 Earnings
Progressive Corporation (PGR) announced robust Q1 earnings, reporting $4.96 per share, a 6.4% increase year-over-year. Sales also saw a healthy uptick, growing 8% to reach $20.97 billion. Following this strong performance, several analysts have revised their price targets upward for the stock. This positive earnings report and subsequent analyst upgrades suggest growing investor confidence and potential for continued stock appreciation.
via Markets Gazette