PGR

BUY

Progressive Corporation (The)

Financial Services · Rank #63 · Analyzed Apr 20, 2026

$202.58

Current Price

$214.65

Intrinsic Value

+47.8%

Upside/Downside

9.4/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus2/3 methods agree

Quality Score3/5.0

Framework RatingBUY

Price vs Intrinsic ValueUndervalued by 47.8%

Fair Value Range

Low$41.51

Base (IV)$214.65

High$299.44

Entry Points

Conservative$41.51

Moderate$128.08

Aggressive$214.65

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity37.9% → 1.0/1.0

Debt LevelD/E 26 → 1.0/1.0

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

Moat Strength2.0/5 → 0/1.0

Profit Margins12.9% → 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.