PROGRESSIVE CORP/OH/ (PGR)
Fire, Marine & Casualty Insurance · Financial Services · $120.1B
Intrinsic Value (Consensus)
$240.22
Current Price
$204.66
Margin of Safety
+17.4%
17.4% Below Intrinsic Value
Value: $240
Price: $205
Valuation Model Estimates
Current Price: $204.66
DCF (Discounted Cash Flow)
$1371.52
Graham Number
$149.36
Earnings Power Value
$186.70
Relative Value (P/E)
$384.60
Dividend Discount Model
$33.33
Consensus Value
$240.22
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
87
Profitability
25/25
Strength
24/25
Valuation
19/25
Growth
19/25
Financial Health Signals
Strong profitability — ROE of 37% (above 20% is excellent)
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (14.3%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $19.23
- EPS (Forward)
- $23.08
- Book Value
- $51.56
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 37.3%
- Debt/Equity
- 9%
- Revenue Growth
- 16.3%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.0%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance