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Progressive Corp. (PGR)
NYSE:PGR
US Market
PGR
Progressive
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Progressive (PGR) Ratios

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Progressive Ratios

PGR's free cash flow for Q4 2025 was $0.29. For the 2025 fiscal year, PGR's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.59 0.00 0.00 11.98
Quick Ratio
 0.00 0.59 0.00 0.00 11.98
Cash Ratio
 0.00 <0.01 0.00 0.00 0.04
Solvency Ratio
 0.13 0.13 0.11 0.06 0.02
Operating Cash Flow Ratio
 0.00 0.26 0.00 0.00 1.24
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ 17.40B$ -52.55B$ -56.83B$ 11.14B$ 6.69B
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.06 0.07 0.08 0.08
Debt-to-Equity Ratio
 0.00 0.23 0.27 0.34 0.40
Debt-to-Capital Ratio
 0.00 0.19 0.21 0.25 0.29
Long-Term Debt-to-Capital Ratio
 0.00 0.19 0.21 0.25 0.29
Financial Leverage Ratio
 29.29 4.06 4.13 4.37 4.75
Debt Service Coverage Ratio
 43.45 42.80 32.41 16.63 5.21
Interest Coverage Ratio
 52.35 51.16 38.40 18.30 3.78
Debt to Market Cap
 0.00 0.05 0.05 0.07 0.08
Interest Debt Per Share
 0.47 12.24 12.25 12.24 11.35
Net Debt to EBITDA
 0.00 0.46 0.60 1.25 4.20
Profitability Margins
Gross Profit Margin
28.44%29.47%27.74%18.95%15.22%
EBIT Margin
16.58%16.55%14.59%8.33%2.35%
EBITDA Margin
16.86%16.90%14.97%8.79%2.97%
Operating Profit Margin
16.27%16.23%14.22%7.90%1.86%
Pretax Profit Margin
16.27%16.23%14.22%7.90%1.86%
Net Profit Margin
12.93%12.90%11.26%6.29%1.46%
Continuous Operations Profit Margin
12.93%12.90%11.26%6.29%1.46%
Net Income Per EBT
79.43%79.51%79.16%79.59%78.31%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
9.46%9.19%8.02%4.40%0.96%
Return on Equity (ROE)
45.09%37.29%33.14%19.25%4.54%
Return on Capital Employed (ROCE)
11.91%26.09%10.13%5.53%1.32%
Return on Invested Capital (ROIC)
10.75%20.74%8.02%4.40%1.03%
Return on Tangible Assets
9.46%9.35%8.19%4.50%0.96%
Earnings Yield
9.77%8.47%6.04%4.19%0.95%
Efficiency Ratios
Receivables Turnover
 5.08 4.36 3.94 3.64 3.05
Payables Turnover
 0.00 0.00 0.00 0.00 7.60
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 111.92 95.37 70.47 47.96
Asset Turnover
 0.73 0.71 0.71 0.70 0.66
Working Capital Turnover Ratio
 2.26 -34.72 1.46 0.89 0.87
Cash Conversion Cycle
 71.89 83.78 92.69 100.25 71.57
Days of Sales Outstanding
 71.89 83.78 92.69 100.25 119.61
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 48.04
Operating Cycle
 71.89 83.78 92.69 100.25 119.61
Cash Flow Ratios
Operating Cash Flow Per Share
 29.97 29.93 25.82 18.20 11.72
Free Cash Flow Per Share
 29.37 29.34 25.34 17.77 11.22
CapEx Per Share
 0.59 0.59 0.49 0.43 0.50
Free Cash Flow to Operating Cash Flow
 0.98 0.98 0.98 0.98 0.96
Dividend Paid and CapEx Coverage Ratio
 5.45 5.45 15.63 20.10 12.39
Capital Expenditure Coverage Ratio
 50.43 50.43 53.05 42.24 23.45
Operating Cash Flow Coverage Ratio
 0.00 2.54 2.19 1.54 1.07
Operating Cash Flow to Sales Ratio
 0.20 0.20 0.20 0.17 0.14
Free Cash Flow Yield
14.56%12.88%10.57%11.15%8.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.18 11.81 16.54 23.87 104.99
Price-to-Sales (P/S) Ratio
 1.31 1.52 1.86 1.50 1.53
Price-to-Book (P/B) Ratio
 28.19 4.40 5.48 4.59 4.77
Price-to-Free Cash Flow (P/FCF) Ratio
 6.83 7.76 9.46 8.97 11.56
Price-to-Operating Cash Flow Ratio
 6.70 7.61 9.28 8.75 11.07
Price-to-Earnings Growth (PEG) Ratio
 0.31 0.35 0.14 0.05 -1.33
Price-to-Fair Value
 28.19 4.40 5.48 4.59 4.77
Enterprise Value Multiple
 7.80 9.47 13.04 18.32 55.70
Enterprise Value
 118.15B 140.28B 147.04B 99.97B 81.99B
EV to EBITDA
 7.84 9.47 13.04 18.32 55.70
EV to Sales
 1.32 1.60 1.95 1.61 1.65
EV to Free Cash Flow
 6.87 8.16 9.91 9.62 12.50
EV to Operating Cash Flow
 6.73 7.99 9.73 9.39 11.97
Tangible Book Value Per Share
 54.71 48.23 39.97 31.39 26.65
Shareholders’ Equity Per Share
 7.13 51.72 43.71 34.67 27.19
Tax and Other Ratios
Effective Tax Rate
 0.21 0.20 0.21 0.20 0.22
Revenue Per Share
 152.71 149.47 128.68 106.14 84.85
Net Income Per Share
 19.74 19.29 14.48 6.67 1.24
Tax Burden
 0.79 0.80 0.79 0.80 0.78
Interest Burden
 0.98 0.98 0.97 0.95 0.79
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.55 1.55 1.78 2.73 9.49
Currency in USD