Analysis for PGR
- 📈 Growth — 24/30
- 💰 Profitability — 19/20
- 🏦 Financial Health — 19/20
- 💵 Valuation — 14/20
- ⚠️ Risk — 4/10
Summary:
📈 Growth & Financial Trajectory
Across the captured sequence (roughly 7 quarters from 2024 Q1 to 2026 Q1), revenue rose from $17.24B to $22.19B, about a 29% gain. Net income grew from $2.33B to $2.82B (+21%). After mid-2024 margin variability, profitability has stabilized with operating income positive through 2025–2026, supporting a durable earnings trajectory.
💰 Margins & Cash Flow
Margins improved to the mid-teens by 2025–2026, with gross margin around 14–16% in the latest quarters. Operating cash flow remained robust; in 2026 Q1, Net cash from operating activities = $4.37B, while Net cash from investing activities = $2.64B and Net cash flow = $0.04B, after $6.96B of financing activity.
🛡️ Balance Sheet & Liquidity
The balance sheet stays liquidity-ready: total assets around $120B–$123B and current assets at similar levels. Current liabilities run roughly $72B–$93B, yielding a healthy near-term liquidity ratio (about 1.3–1.4). Equity base is solid, and noncurrent liabilities are minimal in several periods.
⚠️ Key Drivers & Risks
- Drivers: Auto insurance pricing power and robust investment float.
- Risks: Underwriting cycle sensitivity, catastrophe exposure, and competitive/regulatory pressure.