Insider’s View: Deciphering Progressive Corp (PGR)’s Financial Health Through Ratios

Abby Carey

Investors seeking to outperform the market often focus on hand-picking stocks. Selecting the right ones has proven to be a key factor in boosting wealth.

The price of Progressive Corp (NYSE: PGR) closed at $225.61 in the last session, up 1.75% from day before closing price of $221.74. In other words, the price has increased by $1.75 from its previous closing price. On the day, 3.5 million shares were traded. PGR stock price reached its highest trading level at $226.43 during the session, while it also had its lowest trading level at $221.43.

Ratios:

We take a closer look at PGR’s different ratios to gain a better understanding of the stock. In the meantime, Its Debt-to-Equity ratio is 0.21 whereas as Long-Term Debt/Eq ratio is at 0.21.

On September 17, 2025, BMO Capital Markets Downgraded its rating to Market Perform which previously was Outperform but kept the price unchanged to $250.

Insider Transactions:

An investor can also benefit from insider trades by learning what management is thinking about the future direction of stock prices. A recent insider transaction in this stock occurred on Sep 19 ’25 when Murphy John Jo sold 2,218 shares for $242.10 per share. The transaction valued at 536,978 led to the insider holds 43,506 shares of the business.

Callahan Patrick K sold 6,420 shares of PGR for $1,555,041 on Sep 19 ’25. The Personal Lines President now owns 15,192 shares after completing the transaction at $242.22 per share. On Sep 19 ’25, another insider, Broz Steven, who serves as the Chief Information Officer of the company, sold 1,345 shares for $242.10 each. As a result, the insider received 325,624 and left with 30,388 shares of the company.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, PGR now has a Market Capitalization of 132297703424 and an Enterprise Value of 137678700544. As of this moment, Progressive’s Price-to-Earnings (P/E) ratio for their current fiscal year is 12.70, and their Forward P/E ratio for the next fiscal year is 13.72. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 2.35. For the stock, the TTM Price-to-Sale (P/S) ratio is 1.55 while its Price-to-Book (P/B) ratio in mrq is 4.05. Its current Enterprise Value per Revenue stands at 1.617 whereas that against EBITDA is 9.765.

Stock Price History:

The Beta on a monthly basis for PGR is 0.32, which has changed by -0.10022336 over the last 52 weeks, in comparison to a change of 0.13837254 over the same period for the S&P500. Over the past 52 weeks, PGR has reached a high of $292.99, while it has fallen to a 52-week low of $217.20. The 50-Day Moving Average of the stock is -7.44%, while the 200-Day Moving Average is calculated to be -12.85%.

Shares Statistics:

According to the various share statistics, PGR traded on average about 3.10M shares per day over the past 3-months and 4150410 shares per day over the past 10 days. A total of 586.40M shares are outstanding, with a floating share count of 584.65M. Insiders hold about 0.27% of the company’s shares, while institutions hold 87.45% stake in the company. Shares short for PGR as of 1759190400 were 6206552 with a Short Ratio of 2.00, compared to 1756425600 on 6223821. Therefore, it implies a Short% of Shares Outstanding of 6206552 and a Short% of Float of 1.06.

Dividends & Splits

The forward annual dividend rate for PGR is 0.40, which was 4.9 in the trailing 12 months. Against a Trailing Annual Dividend Yield of 0.022097953. The stock’s 5-year Average Dividend Yield is 1.7. The current Payout Ratio is 34.03% for PGR, which recently paid a dividend on 2025-10-02 with an ex-dividend date of 2025-10-02. Stock splits for the company last occurred on 2006-05-19 when the company split stock in a 4:1 ratio.

Earnings Estimates

The company has 20.0 analysts who recommend its stock at the moment. The consensus estimate for the next quarter is $4.47, with high estimates of $5.1 and low estimates of $3.7.

Analysts are recommending an EPS of between $18.55 and $16.68 for the fiscal current year, implying an average EPS of $17.84. EPS for the following year is $16.45, with 22.0 analysts recommending between $20.25 and $12.84.

Revenue Estimates

According to 7 analysts,. The current quarter’s revenue is expected to be $19.65B. It ranges from a high estimate of $20.02B to a low estimate of $19.38B. As of. The current estimate, Progressive Corp’s year-ago sales were $18.11BFor the next quarter, 7 analysts are estimating revenue of $24.07B. There is a high estimate of $24.62B for the next quarter, whereas the lowest estimate is $23.48B.

A total of 8 analysts have provided revenue estimates for PGR’s current fiscal year. The highest revenue estimate was $83.69B, while the lowest revenue estimate was $83.04B, resulting in an average revenue estimate of $83.28B. In the same quarter a year ago, actual revenue was $74.42BBased on 9 analysts’ estimates, the company’s revenue will be $90.28B in the next fiscal year. The high estimate is $92.39B and the low estimate is $87.95B.

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