PGR (Progressive) GF Value : $216.30 (As of Apr. 28, 2025)

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What is Progressive GF Value?

As of today (2025-04-28), Progressive's share price is $265.01. Progressive's GF Value is $216.30. Therefore, Progressive's Price-to-GF-Value for today is 1.23. Based on the relationship between the current stock price and the GF Value, GuruFocus believes Progressive is Modestly Overvalued.

The GF Value represents the intrinsic value of a stock, determined using GuruFocus' proprietary methodology. The GF Value Line on our stock Summary page provides an estimate of the stock’s fair-trading value.

To calculate this value, GuruFocus follows these steps:

We analyze historical correlations between the stock price and key business performance metrics, such as revenue, earnings, cash flow, and book value.
We identify the metrics that have the strongest historical correlation with the stock price and determine the historical multiples at which the stock has traded relative to these metrics.
Using these historical multiples as a reference, we estimate the stock's fair value while accounting for future business growth. Adjustments may be made based on the company’s past returns and growth trends.

GuruFocus believes that the GF Value Line represents the fair value at which a stock should trade. Stock prices typically fluctuate around this line. If a stock’s price is significantly above the GF Value Line, it is considered overvalued, and its future returns are likely to be lower. Conversely, if the stock price is significantly below the GF Value Line, its future returns are likely to be higher.

Progressive (NYSE:PGR) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 ratings:

Posssible Evaluations	All-in-One Screener Examples (1)
Possible Value Trap, Think Twice	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (2)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (2)	Predictable High Quality Companies which are Significantly Undervalued

(1) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(2) A sufficient margin of safety exists only when the stock is undervalued.

Possible Value Trap, Think Twice companies are those that appear significantly undervalued based on their Price-to-GF-Value ratio, but whose fundamentals show signs of weakness.

Indicators that a company may be a value trap include:

    * Deteriorating Financial Health: A low Altman Z-scores indicates a higher risk of bankruptcy, or a low Piotroski F-Score.
    * Earnings Manipulation: A high Beneish M-score indicates potential earnings manipulation, raising concerns about the reliability of reported financials.
    * Stagnant or Declining Growth: Lack of revenue or earnings growth, or a recent slowdown, may signal limited future prospects.

Investors should conduct thorough due diligence, examining financial statements and growth indicators, to avoid falling into value traps.

Progressive's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	265.01	/	216.30
	=	1.23

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Progressive GF Value Related Terms

Thank you for viewing the detailed overview of Progressive's GF Value provided by GuruFocus.com. Please click on the following links to see related term pages.

Progressive Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Progressive Corp (NYSE:PGR) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

PGR:Mexico 0KOC:UK PGV:Germany PGV:Germany P1GR34:Brazil

Address

300 North Commons Boulevard, Mayfield Village, OH, USA, 44143

Website

https://www.progressive.com

Progressive underwrites private and commercial auto insurance and specialty lines; it has almost 24 million personal auto policies in force and is one of the largest auto insurers in the United States. Progressive markets its policies through independent insurance agencies in the US and Canada and directly via the internet and telephone. Its premiums are split roughly equally between the agent and the direct channel. The company also offers commercial auto policies and entered homeowners insurance through an acquisition in 2015.

Executives

John P Sauerland	officer: Direct Group, President	PROGRESSIVE, 7580 NORTHCLIFF AVE. -- SUITE 1000, BROOKLYN OH 44144
Devin C Johnson	director	6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Jonathan S. Bauer	officer: Chief Investment Officer	6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Patrick K Callahan	officer: Personal Lines President	C/O THE PROGRESSIVE CORPORATION, 6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Lori A Niederst	officer: CRM President	C/O THE PROGRESSIVE CORPORATION, 6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Jeffrey D Kelly	director
Susan Patricia Griffith	officer: Chief Human Resource, Officer	6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Mariann Wojtkun Marshall	officer: Chief Accounting Officer	C/O THE PROGRESSIVE CORPORATION, 6300 WILSON MILLS RD., MAYFIELD VILLAGE OH 44143
Andrew J Quigg	officer: Chief Strategy Officer	C/O THE PROGRESSIVE CORPORATION, 6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
John Jo Murphy	officer: Claims President	C/O THE PROGRESSIVE CORPORATION, 6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Karen Bailo	officer: Commercial Lines President	6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Steven Broz	officer: Chief Information Officer	C/O THE PROGRESSIVE CORPORATION, 6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Dyke Kahina Van	director	C/O THE PROGRESSIVE CORPORATION, 6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143
Roger N Farah	director	POLO RALPH LAUREN CORP, 650 MADISON AVE, NEW YORK NY 10022
Philip Bleser	director	8760 CLAY ROAD SUITE 100, HOUSTON TX 77494