Progressive underwrites private and commercial auto insurance and specialty lines; it has almost 20 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.

Financial Strength

5/10

Name	Current	Vs Industry
Equity-to-Asset	0.23
Debt-to-Equity	0.32
Debt-to-EBITDA	0.88
Interest Coverage	27.54
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.66	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	13.3
	3-Year EBITDA Growth Rate	-10.8
	3-Year EPS without NRI Growth Rate	-12
	3-Year FCF Growth Rate	15.9
	3-Year Book Growth Rate	6.1
	Future 3-5Y EPS without NRI Growth Rate	14.4
	Future 3-5Y Total Revenue Growth Rate	13.86

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	71.51
	9-Day RSI	67.22
	14-Day RSI	66.35
	6-1 Month Momentum %	34.02
	12-1 Month Momentum %	50.12

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.54
	Dividend Payout Ratio	0.12
	3-Year Dividend Growth Rate	-38.3
	Forward Dividend Yield %	0.54
	5-Year Yield-on-Cost %	0.23
	Shareholder Yield %	0.35

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	8.9
	FCF Margin %	15.98
	ROE %	31.09
	ROA %	6.7
	ROIC %	7
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	21.7
	Forward PE Ratio	21.61
	PE Ratio without NRI	21.7
	Shiller PE Ratio	42.16
	Price-to-Owner-Earnings	11.77
	PS Ratio	1.91
	PB Ratio	5.69
	Price-to-Tangible-Book	5.69
	Price-to-Free-Cash-Flow	11.97
	Price-to-Operating-Cash-Flow	11.68
	EV-to-EBIT	17.51
	EV-to-EBITDA	17
	EV-to-Revenue	2.04
	EV-to-Forward-Revenue	1.83
	EV-to-FCF	12.77
	Price-to-Projected-FCF	1.21
	Price-to-Median-PS-Value	1.63
	Price-to-Graham-Number	2.35
	Earnings Yield (Greenblatt) %	5.71
	FCF Yield %	8.37
	Forward Rate of Return (Yacktman) %	-8.61

GF Value: $159.72

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