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Upturn AI SWOT - About
PGR 
Progressive Corp (PGR)
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Upturn Advisory Summary
11/05/2025: 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 $259.13
1 Year Target Price $259.13
| 5 | Strong Buy |
| 5 | Buy |
| 8 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 56.06% | 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 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 127.41B USD | Price to earnings Ratio 11.92 | 1Y Target Price 259.13 |
Price to earnings Ratio 11.92 | 1Y Target Price 259.13 | ||
Volume (30-day avg) 19 | Beta 0.37 | 52 Weeks Range 199.90 - 292.65 | Updated Date 11/7/2025 |
52 Weeks Range 199.90 - 292.65 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 2.34% | Basic EPS (TTM) 18.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 4.62 | Actual 4.0511 |
Profitability
Profit Margin 12.58% | Operating Margin (TTM) 15.08% |
Management Effectiveness
Return on Assets (TTM) 7.6% | Return on Equity (TTM) 34.22% |
Valuation
Trailing PE 11.92 | Forward PE 15.22 | Enterprise Value 149558400000 | Price to Sales(TTM) 1.5 |
Enterprise Value 149558400000 | Price to Sales(TTM) 1.5 | ||
Enterprise Value to Revenue 1.82 | Enterprise Value to EBITDA 21.85 | Shares Outstanding 586397236 | Shares Floating 584180654 |
Shares Outstanding 586397236 | Shares Floating 584180654 | ||
Percent Insiders 0.26 | Percent Institutions 86.65 |
Upturn AI SWOT
Progressive Corp
Company Overview
History and Background
Progressive Corporation was founded in 1937 by Joseph M. Lewis and Jack Green in Cleveland, Ohio. Initially named Progressive Mutual Insurance Company, it focused on providing affordable auto insurance. Over time, it expanded its offerings and became known for its innovative insurance products and services.
Core Business Areas
- Personal Lines: Provides auto, motorcycle, boat, and recreational vehicle insurance to individuals. This is Progressive's largest segment.
- Commercial Auto: Offers commercial auto insurance for businesses, including trucking and for-hire transportation.
- Property: Provides homeowners, renters, and condo insurance.
Leadership and Structure
Tricia Griffith serves as the CEO. The organizational structure is hierarchical, with various departments and divisions reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Auto Insurance: Progressive's primary product is auto insurance, covering vehicles, drivers, and liabilities. They are a leading auto insurer in the US. Competitors include GEICO, State Farm, Allstate. Market share is estimated to be ~13%.
- Home Insurance: Home insurance protects your property from damage, theft, and liability claims. It is often bundled with auto insurance. Competitors include State Farm, Allstate, Liberty Mutual.
- Commercial Auto Insurance: Offers insurance coverage for businesses using vehicles. Market share in this segment is significant. Competitors include Travelers, Liberty Mutual, Nationwide.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated, influenced by economic conditions, weather patterns, and evolving consumer preferences. Technological advancements and digital transformation are reshaping the industry landscape.
Positioning
Progressive is positioned as an innovative and tech-savvy insurer, known for its usage-based insurance programs and competitive pricing. Their direct-to-consumer model and strong brand recognition are key competitive advantages.
Total Addressable Market (TAM)
The total addressable market for insurance is substantial, estimated at hundreds of billions of dollars annually. Progressive is well-positioned to capture a significant portion of this market through its diverse product offerings and strategic initiatives.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Innovative technology
- Competitive pricing
- Efficient claims processing
- Direct-to-consumer model
Weaknesses
- Exposure to catastrophic events
- Reliance on pricing models
- Customer service perceptions
- High expense ratio compared to peers
Opportunities
- Expanding into new markets
- Developing new insurance products
- Leveraging data analytics
- Partnerships with technology companies
- Increasing adoption of usage-based insurance
Threats
- Intense competition
- Regulatory changes
- Economic downturns
- Increased claims costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BRK.B
- ALL
- STATE FARM
- GEICO
Competitive Landscape
Progressive's advantages include its innovative technology, competitive pricing, and direct-to-consumer model. Disadvantages include exposure to catastrophic events and intense competition.
Major Acquisitions
American Strategic Insurance (ASI)
- Year: 2015
- Acquisition Price (USD millions): 875
- Strategic Rationale: Expanded Progressive's presence in the homeowners insurance market.
Growth Trajectory and Initiatives
Historical Growth: Progressive has experienced steady growth driven by its competitive pricing, innovative products, and efficient operations.
Future Projections: Analysts predict continued growth for Progressive, driven by increasing insurance demand and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include expanding its product offerings, enhancing its technology platform, and focusing on customer experience.
Summary
Progressive is a strong insurance company with a competitive advantage stemming from its technology and pricing strategies. However, it faces threats from catastrophic events and competitors. Its direct-to-consumer model and innovative products drive growth. The company should focus on mitigating risk and enhancing customer service.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Data is based on available information and may be subject to change. Market share data is an estimate.
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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