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Upturn AI SWOT - About
PGR 
Progressive Corp (PGR)
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Upturn Advisory Summary
09/15/2025: PGR (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $283.89
1 Year Target Price $283.89
| 5 | Strong Buy |
| 5 | Buy |
| 8 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 56.05% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 145.59B USD | Price to earnings Ratio 13.99 | 1Y Target Price 283.89 |
Price to earnings Ratio 13.99 | 1Y Target Price 283.89 | ||
Volume (30-day avg) 19 | Beta 0.33 | 52 Weeks Range 228.37 - 292.77 | Updated Date 09/15/2025 |
52 Weeks Range 228.37 - 292.77 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.97% | Basic EPS (TTM) 17.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.66% | Operating Margin (TTM) 18.42% |
Management Effectiveness
Return on Assets (TTM) 7.86% | Return on Equity (TTM) 37.29% |
Valuation
Trailing PE 13.99 | Forward PE 15.72 | Enterprise Value 152361392000 | Price to Sales(TTM) 1.77 |
Enterprise Value 152361392000 | Price to Sales(TTM) 1.77 | ||
Enterprise Value to Revenue 1.85 | Enterprise Value to EBITDA 21.85 | Shares Outstanding 586400000 | Shares Floating 583951584 |
Shares Outstanding 586400000 | Shares Floating 583951584 | ||
Percent Insiders 0.26 | Percent Institutions 88.03 |
Upturn AI SWOT
Progressive Corp
Company Overview
History and Background
Progressive Corporation was founded in 1937 by Joseph M. Lewis and Jack Green as Progressive Mutual Insurance Company. Initially focusing on providing affordable auto insurance, it has grown to become one of the largest auto insurers in the United States, known for its innovative pricing and claims handling.
Core Business Areas
- Personal Auto: Provides auto insurance to individuals through independent agents and direct channels.
- Commercial Auto: Offers insurance solutions for businesses operating commercial vehicles.
- Property: Provides homeowners, condo, renters, and umbrella insurance.
- Other: Includes other insurance-related services
Leadership and Structure
Tricia Griffith serves as the CEO. The company has a hierarchical organizational structure with various departments overseeing different aspects of the insurance business.
Top Products and Market Share
Key Offerings
- Personal Auto Insurance: Progressive's core product, providing coverage for personal vehicles. It holds a significant market share, estimated to be around 13.5% in 2023. Competitors include GEICO (BRK.A), State Farm (Private), and Allstate (ALL).
- Commercial Auto Insurance: Insurance coverage for businesses with commercial vehicles. Progressive is a leading provider in this segment. Competitors include Travelers (TRV), Liberty Mutual (Private), and Zurich (ZURN.SW).
- Home Insurance: Offerings for property insurance, bundling with auto to gain a wider customer base. Competitors include State Farm, Allstate (ALL).
Market Dynamics
Industry Overview
The auto insurance industry is highly competitive and heavily regulated. It is influenced by factors such as vehicle safety, driving habits, and economic conditions. The property insurance industry faces risks associated with catastrophic weather events.
Positioning
Progressive is known for its use of technology and data analytics to personalize insurance pricing and improve claims processing. It has a strong brand recognition and a large customer base.
Total Addressable Market (TAM)
The total addressable market for auto insurance in the US is estimated to be around $300 billion. Progressive Corp is positioned to capture further market share through its competitive pricing and innovative offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Innovative technology and data analytics
- Competitive pricing
- Efficient claims processing
- Direct sales channel
Weaknesses
- Reliance on auto insurance market
- Exposure to catastrophic events in property insurance
- Customer service reputation (can be inconsistent)
- Sensitivity to macroeconomic factors
Opportunities
- Expansion into new geographic markets
- Development of new insurance products and services
- Leveraging technology to improve customer experience
- Partnerships and acquisitions to expand market reach
- Increase in number of insured drivers.
Threats
- Increased competition from other insurers
- Changes in regulatory environment
- Economic downturns
- Rising claims costs
- Autonomous vehicle adoption impacting insurance needs
Competitors and Market Share
Key Competitors
- BRK.A
- ALL
- GWO.TO
- PGR
Competitive Landscape
Progressive has advantages in direct sales and data analytics, but faces strong competition from established players with wider product offerings.
Growth Trajectory and Initiatives
Historical Growth: Progressive has experienced consistent growth in revenue and earnings over the past decade.
Future Projections: Analysts expect Progressive to continue its growth trajectory, driven by its competitive advantages and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion of product offerings, and strategic partnerships.
Summary
Progressive is a financially stable company with strong brand recognition and a focus on innovation. Its competitive pricing and efficient claims processing provide a significant advantage. However, it faces competition from other major insurers and needs to diversify its product offerings to reduce reliance on auto insurance. Future success depends on adapting to changing market conditions and leveraging technology to enhance customer experience.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary based on source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Progressive Corp
Exchange NYSE | Headquaters Mayfield, OH, United States | ||
IPO Launch date 1986-07-09 | President, CEO & Director Ms. Susan Patricia Griffith | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 66308 | Website https://www.progressive.com |
Full time employees 66308 | Website https://www.progressive.com | ||
The Progressive Corporation operates as an insurance company in the United States. The company writes insurance for personal autos and special lines products, including motorcycles, RVs, and watercraft; and personal residential property insurance for homeowners and renters. It also writes auto-related liability and physical damage insurance for comprising dump trucks, log trucks, garbage trucks, tractors, trailers, straight trucks, tow trucks and wreckers, vans, pick-up trucks, and autos; business-related general liability and commercial property insurance for small businesses; and workers' compensation insurance for the transportation industry. In addition, the company offers other specialty property-casualty insurance and provide related services; personal property reinsurance products; and involved in investment activities. It sells its products through independent insurance agencies, as well as online and over the phone. The Progressive Corporation was founded in 1937 and is headquartered in Mayfield Village, Ohio.
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