PGR

HOLD

Progressive Corporation (The)

Financial Services · Rank #56 · Analyzed Oct 18, 2026

$218.49

Current Price

$216.57

Intrinsic Value

-0.9%

Upside/Downside

5/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3/5.0

Framework RatingHOLD

Price vs Intrinsic ValueOvervalued by 0.9%

Fair Value Range

Low$41.80

Base (IV)$216.57

High$259.88

Entry Points

Conservative$29.26

Moderate$41.80

Aggressive$151.60

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity33.2% → 1.0/1.0

Debt LevelD/E 24 → 1.0/1.0

Revenue QualityGrowth 16.3%, margin Δ+0.0% → 0.5/1.0

Moat Strength1.0/5 → 0/1.0

Profit Margins12.7% → 0.5/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.