Yahoo Finance report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Why PGR Stock advanced +0.48% Today — RQD Quant Desk Flash
Progressive Corporation (PGR) earns a Roarable Rating of A- (Buy) with 83/100 RQD Confidence. High-quality cash engine (steady margins, 20% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is PGR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Progressive Corporation (NYSE: PGR) is rated A- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 83/100 at a spot price of $231.28 (+0.48% 1D, market cap $133.82B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 17/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 19/20. Across 1096 tracked Financials issuers, PGR ranks #2 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does PGR compare to CB and TRV in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), PGR carries a Roarable A- (83/100 RQD), trailing P/E of 11.8x, gross margin of —, and ROIC of 20.0%. By comparison, CB (Chubb Limited) holds a B+ grade (76/100 RQD, P/E 13.4x, ROIC 8.1%, cap $138.42B) and TRV (The Travelers Companies Inc.) posts a B+ grade (77/100 RQD, P/E 13.0x, ROIC 9.7%, cap $81.62B). Among the 5-stock peer group, ALL leads on earnings multiple (6.4x) while PGR leads on capital efficiency (20.0% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for PGR?
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Per PGR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000080661), Progressive Corporation generated $87.67B in revenue (+16.3% YoY), $11.31B in net income, and $17.20B in free cash flow against $123.04B in total assets and $41.72B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-3.20% YoY Shares)
20D Institutional Volume Accumulation (±4.8% realized swing band)
Balance-sheet & 10-K footnote risk deducts 5 pts from forensic ceiling
⚔️ Adversarial Opposing Case: Why the PGR Bull Thesis Could Fail
Even with a 83/100 (A-) score, PGR faces multiple-compression risk if 11.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-3.20% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($218.04) or 200D SMA ($209.54) invalidates the momentum regime and cuts Target Base ($257.30) toward Bear Floor ($189.65).
Why PGR Stock advanced +0.48% Today — RQD Quant Desk Flash
Progressive Corporation (PGR) advanced +0.48% to $231.28, trading at 84% of its 52-week range ($189.2 – $239.38). High-quality cash engine (steady margins, 20% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 84% of its 52-week range ($189.2 – $239.38) with RSI-14 at 62.8 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.8% around $231.28 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable A- (Buy) backed by 52% gross margin and $17.2B annual free cash flow.
TradingView report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Elon Musk just called a $1.5 trillion crash-cost reduction claim credible, and auto insurers have no idea the market has not priced in what that means for the dividends retirees depend on.
Progressive trades at $225.20 and has moved in lockstep with the market. Its shares have returned 10.9% over the last six months while the S&P 500 has gained 7.5%.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (PGR Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
PGR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +16.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PGR today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PGR. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PGR)
1. Head-to-Head Financials Peer Comparison (PGR vs. CB, TRV, ALL, AIG)
Industry: Property-Casualty Insurers (68 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Progressive Corporation (PGR) ranks #2 by composite RQD confidence (83/100, grade A-) and #22 by equity capitalization ($133.82B). Within this direct 5-issuer industry benchmark cohort, ALL leads on earnings valuation at 6.4x trailing P/E, while PGR leads on capital efficiency and profitability with 20.0% ROIC and — gross margin. PGR currently leads its immediate peer cohort in composite quantitative strength at 83/100 (A-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PGR
ACTIVE
Progressive Corporation | A- | 83/100 | 11.8x | — | 20.0% | +0.48% | $133.82B | Benchmark Subject |
| CB Chubb Limited | B+ | 76/100 | 13.4x | — | 8.1% | +0.51% | $138.42B | /cb-vs-pgr → |
| TRV The Travelers Companies Inc. | B+ | 77/100 | 13.0x | — | 9.7% | -0.51% | $81.62B | /trv-vs-pgr → |
| ALL Allstate Corporation | B+ | 78/100 | 6.4x | — | 18.2% | +1.54% | $64.71B | /all-vs-pgr → |
| AIG American International Group Inc. | C+ | 68/100 | 13.8x | — | 4.1% | +0.56% | $42.58B | /aig-vs-pgr → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000080661In its most recent audited fiscal period (FY2025, filed 2025-12-31), Progressive Corporation (PGR) reported GAAP revenue of $87.67B (+16.3% vs. FY2024 revenue of $75.37B , and +41.2% cumulative change since FY2023) , GAAP net income of $11.31B, operating cash flow of $17.55B, and free cash flow of $17.20B (+15.9% YoY). On the balance sheet, PGR closed FY2025 with $123.04B in total assets against $41.72B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $87.67B | $11.31B | $17.55B | $17.20B | $123.04B | $41.72B |
| FY2024 (FY) | 2024-12-31 | $75.37B | $8.48B | $15.12B | $14.83B | $105.75B | $36.07B |
| FY2023 (FY) | 2023-12-31 | $62.11B | $3.90B | $10.64B | $7.85B | $74.53B | $17.44B |
3. PGR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs PGR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Progressive Corporation (NYSE: PGR) is rated A- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 83/100 at a spot price of $231.28 (+0.48% 1D, market cap $133.82B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 17/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 19/20. Across 1096 tracked Financials issuers, PGR ranks #2 in composite RQD confidence.
How does PGR compare to CB and TRV in the Financials sector?
Within the Financials sector (Property-Casualty Insurers), PGR carries a Roarable A- (83/100 RQD), trailing P/E of 11.8x, gross margin of —, and ROIC of 20.0%. By comparison, CB (Chubb Limited) holds a B+ grade (76/100 RQD, P/E 13.4x, ROIC 8.1%, cap $138.42B) and TRV (The Travelers Companies Inc.) posts a B+ grade (77/100 RQD, P/E 13.0x, ROIC 9.7%, cap $81.62B). Among the 5-stock peer group, ALL leads on earnings multiple (6.4x) while PGR leads on capital efficiency (20.0% ROIC).
What are the biggest fundamental strengths and SEC risk factors for PGR?
Per PGR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000080661), Progressive Corporation generated $87.67B in revenue (+16.3% YoY), $11.31B in net income, and $17.20B in free cash flow against $123.04B in total assets and $41.72B in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is PGR trading relative to its 50-day, 200-day, and 52-week technical levels?
PGR last traded at $231.28 (+0.48% on volume of 1,938,619 shares), positioning the stock +6.07% above its 50-day simple moving average ($218.04) and +10.38% above its 200-day simple moving average ($209.54). Across its 52-week range of $189.20 to $239.38, PGR sits at the 83.9% percentile with a 14-day RSI of 62.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($220.18 to $242.38).
PGR Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is PGR stock moving today?
Why PGR Stock advanced +0.48% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 20% return on capital) with steady institutional support.
PGR — Progressive Corporation: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
The per-the-Roarable RQD rating, PGR scores 83 out of 100, graded A- and labeled "Roarable Buy — Superior Risk/Reward." The five pillars are:
- Fundamental cash engine: 16 / 20. Per the RQD rating, this pillar reflects ROIC of 20% and an FCF yield of 12.85%. These are the strongest quantitative anchors in the rating and suggest the business converts capital into cash at a high rate relative to the market price.
- Whale 13F flow: 17 / 20. Per the RQD rating, this pillar reflects institutional accumulation and options positioning. It indicates that large holders' recent activity has been net constructive, though the underlying 13F detail is not provided in the source data.
- Insider conviction: 19 / 20. This is the highest pillar score. Per the RQD rating, it reflects SEC Form 4 and Congressional PTR cluster flow. The specific transactions are not itemized in the source data, so the score cannot be traced to individual filings here.
- Macro regime fit: 16 / 20. Per the RQD rating, this pillar reflects a beta of 1.15 and sector sensitivity. A beta above 1.0 means the stock has historically moved somewhat more than the broad market, so it may amplify market swings in either direction.
- Forensic balance sheet: 15 / 20. Per the RQD rating, this pillar reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 8/9, and a Debt/Equity ratio of 0.5. The Piotroski reading is strong; the Altman reading is in a range that warrants monitoring rather than signaling distress.
For a prospective investor evaluating the stock today, the rating points to strong cash generation and high insider conviction as its primary upside drivers. The valuation tradeoff is visible in the market data: a trailing P/E of 11.8 and forward P/E of 9.9 sit below the stock's own trend-based earnings base, which can imply the market is pricing in slower future earnings. The beta of 1.15 and the Q3 risk-watch headline (see Recent Catalysts) are the main items that could cut against the rating. This is an analytical summary of the source data, not a recommendation.
Snapshot
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $87671.0M | $13343.4M | $11308.0M | N/A | $17200.0M | N/A | $41722.2M |
| FY 2024 | $75372.0M | $10006.4M | $8480.0M | N/A | $14834.0M | N/A | $36069.3M |
| FY 2023 | $62109.0M | $4605.5M | $3903.0M | N/A | $7848.1M | N/A | $17440.2M |
Per the SEC financials, revenue rose from $62109.0M in FY 2023 to $87671.0M in FY 2025, and net income rose from $3903.0M to $11308.0M over the same span. Market data reports an operating margin of 15.7%, a net margin of 12.9%, and a gross margin of 0%. ROIC is 20% per market data. Per the RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, and the Debt/Equity ratio is 0.5. Cash balances are Not available in source data for any period.
Recent Catalysts & News Wire Analysis
Per the recent news feed, the items are:
- Yahoo Finance (1h ago), YELLOW, MARKET WIRE: "Here is What to Know Beyond Why The Progressive Corporation (PGR) is a Trending Stock." A general market-action piece with no specific figures.
- TradingView (3h ago), YELLOW, MARKET WIRE: "Progressive Set to Report Q3 Earnings: Here's What to Expect." Signals an upcoming Q3 earnings event; the expected figures are not in the source data.
- Seeking Alpha (6h ago), RED, RISK WATCH: "Progressive stock dips as policies in force rise less than expected; Q3 combined ratio falls Y/Y." This is the only risk-flagged item. It points to policies-in-force growth below expectations, partly offset by a lower combined ratio year over year.
- Yahoo Finance (9h ago), GREEN, CATALYST: "Why the Market Dipped But Progressive (PGR) Gained Today." Describes a day when PGR outperformed the market.
- MarketBeat (12h ago), GREEN, CATALYST: A report on a fund selling PGR shares. This reflects institutional position change, not a fundamental event.
- Seeking Alpha (15h ago), GREEN, CATALYST: "Progressive: A Great Insurer, But Slowing Growth Justifies A 'Hold.'" An analyst-style view that flags slowing growth while describing the company favorably.
Per the butterfly supply-chain graph, the supply chain is NONE, there are no butterfly links, and no proprietary signals are provided.
Open Questions
- What are the Q3 earnings estimates and results, and does policies-in-force growth continue to lag expectations?
- What are the individual SEC Form 4 and 13F transactions underlying the insider (19/20) and whale-flow (17/20) pillar scores?
- What are the cash balances for FY 2023–FY 2025, and what is the EPS for each reported period?
- What is the composition of revenue and the combined ratio trend beyond the single Q3 reference?
- What is the basis for the 11.8 trailing vs. 9.9 forward P/E difference, and what earnings trajectory does the forward figure imply?
PGR Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Progressive Corporation (PGR) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Progressive Corporation (PGR) market action, institutional positioning, and fundamental catalysts.
PGR Bull vs. Bear Conversation Board — What's Your Call at $231.28?
🔥 Official Bull vs. Bear Debate: Is PGR (A- • RQD 83/100) a Buy at $230.18?
Welcome to the PGR (Progressive Corporation) Roar Pit. Current RQD Composite is 83/100 (Roarable Buy — Superior Risk/Reward) in Property-Casualty Insurers. Bulls point to capital efficiency (20.0% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on PGR — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on PGR, but look at what you are paying: 11.8x trailing P/E with tightening sector spreads. Unless Progressive Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
PGR cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on PGR, the market is fixating on short-term headline noise in Property-Casualty Insurers and ignoring the balance sheet and cash flow trajectory. At $230.18 (52-wk range $189.20 - $239.38), any beat on forward guidance forces shorts and underweight funds to chase.