An independent two-stage DCF analysis by a frontier AI model.
" data-astro-cid-b4nscx23> Progressive consistently grows premiums through advanced telematics and disciplined underwriting. 10% cash flow growth reflects sustained market share gains in the auto insurance sector while maintaining target profit margins.
" data-astro-cid-b4nscx23> Progressive consistently grows premiums through advanced telematics and disciplined underwriting. 10% cash flow growth reflects sustained market share gains in the auto insurance sector while maintaining target profit margins.
" data-astro-cid-b4nscx23> Progressive consistently grows premiums through advanced telematics and disciplined underwriting. 10% cash flow growth reflects sustained market share gains in the auto insurance sector while maintaining target profit margins.
Intrinsic value per share under varying discount rate and terminal growth rate assumptions.
| WACC ↓ / Terminal → | 6.0% | 6.5% | 7.0% | 7.5% | 8.0% |
|---|---|---|---|---|---|
| 6.0% | $87.70 | $87.70 | $87.70 | $87.70 | $87.70 |
| 6.5% | $87.70 | $87.70 | $87.70 | $87.70 | $87.70 |
| 7.0% | $87.70 | $87.70 | $87.70 | $87.70 | $87.70 |
| 7.5% | $87.70 | $87.70 | $87.70 | $87.70 | $87.70 |
| 8.0% | $87.70 | $87.70 | $87.70 | $87.70 | $87.70 |
■ Undervalued vs current price ■ Overvalued vs current price
The Progressive Corporation is a dominant force in the US property and casualty insurance market, demonstrating exceptional competitive momentum with double-digit revenue growth. The company leverages advanced telematics and data analytics to maintain highly accurate pricing models and strong operating margins. Generating a massive $11.8 billion in free cash flow, Progressive possesses unparalleled financial flexibility to expand market share. Consequently, PGR stands out as a strong economic prospect with a highly durable moat in the auto insurance sector.
Analysis of the company's competitive momentum.
Analysis of the company's moat durability.
Analysis of the company's sentiment and catalysts.
Westmount Research. "Progressive (PGR) Intrinsic Value: A DCF Analysis." westmountfundamentals.com, March 18, 2026.
Disclaimer: The numbers presented on this page are for educational and entertainment purposes only. They are the result of a deterministic mathematical model fed with assumptions generated by an Artificial Intelligence (Gemini 3.1). This does not constitute investment advice. Always conduct your own due diligence before investing in the stock market.