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The Progressive Corporation (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 Q1 2026 was $0.38. For the 2026 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
 0.25 0.59 0.00 0.00 11.98
Quick Ratio
 0.25 0.59 0.00 0.00 11.98
Cash Ratio
 <0.01 <0.01 0.00 0.00 0.04
Solvency Ratio
 0.13 0.13 0.11 0.06 0.02
Operating Cash Flow Ratio
 0.21 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
$ -70.09B$ -52.55B$ -56.83B$ 11.14B$ 6.69B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.06 0.07 0.08 0.08
Debt-to-Equity Ratio
 0.26 0.23 0.27 0.34 0.40
Debt-to-Capital Ratio
 0.21 0.19 0.21 0.25 0.29
Long-Term Debt-to-Capital Ratio
 0.21 0.19 0.21 0.25 0.29
Financial Leverage Ratio
 3.81 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
 0.07 0.05 0.05 0.07 0.08
Interest Debt Per Share
 14.80 12.24 12.25 12.24 11.35
Net Debt to EBITDA
 0.55 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)
35.45%37.29%33.14%19.25%4.54%
Return on Capital Employed (ROCE)
36.00%26.09%10.13%5.53%1.32%
Return on Invested Capital (ROIC)
34.57%20.74%8.02%4.40%1.03%
Return on Tangible Assets
9.46%9.35%8.19%4.50%0.96%
Earnings Yield
9.73%8.47%6.04%4.19%0.95%
Efficiency Ratios
Receivables Turnover
 5.08 4.36 3.94 3.64 3.05
Payables Turnover
 6.77 0.00 0.00 0.00 7.60
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 112.91 111.92 95.37 70.47 47.96
Asset Turnover
 0.73 0.71 0.71 0.70 0.66
Working Capital Turnover Ratio
 -1.99 -34.72 1.46 0.89 0.87
Cash Conversion Cycle
 17.96 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
 53.94 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
 28.64 29.93 25.82 18.20 11.72
Free Cash Flow Per Share
 28.04 29.34 25.34 17.77 11.22
CapEx Per Share
 0.60 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
 1.97 5.45 15.63 20.10 12.39
Capital Expenditure Coverage Ratio
 47.65 50.43 53.05 42.24 23.45
Operating Cash Flow Coverage Ratio
 2.00 2.54 2.19 1.54 1.07
Operating Cash Flow to Sales Ratio
 0.19 0.20 0.20 0.17 0.14
Free Cash Flow Yield
13.85%12.88%10.57%11.15%8.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.28 11.81 16.54 23.87 104.99
Price-to-Sales (P/S) Ratio
 1.33 1.52 1.86 1.50 1.53
Price-to-Book (P/B) Ratio
 3.71 4.40 5.48 4.59 4.77
Price-to-Free Cash Flow (P/FCF) Ratio
 7.22 7.76 9.46 8.97 11.56
Price-to-Operating Cash Flow Ratio
 7.08 7.61 9.28 8.75 11.07
Price-to-Earnings Growth (PEG) Ratio
 0.32 0.35 0.14 0.05 -1.33
Price-to-Fair Value
 3.71 4.40 5.48 4.59 4.77
Enterprise Value Multiple
 8.41 9.47 13.04 18.32 55.70
Enterprise Value
 126.77B 140.28B 147.04B 99.97B 81.99B
EV to EBITDA
 8.41 9.47 13.04 18.32 55.70
EV to Sales
 1.42 1.60 1.95 1.61 1.65
EV to Free Cash Flow
 7.72 8.16 9.91 9.62 12.50
EV to Operating Cash Flow
 7.56 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
 54.71 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
 1.45 1.55 1.78 2.73 9.49
Currency in USD