Mulya.ai
Ticker
PGR
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?hist_ind
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?5.3%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.270
Beta (levered) ?0.284
Terminal OM% ?17.7%
Segment conc. ?87% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

PGR · The Progressive Corporation

$224.342026-07-21
Sector: Financial Services; Industry: Insurance - Property & Casualty; Sub-Industry: Property & Casualty Insurance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$1174
+423.4% vs market
Base · active
$465
+107.5% vs market
Bear
$453
+101.8% vs market
Mulya.ai vs Analyst IV Comparison?
Market $224
Median $225
Bear $453
Base $465
Bull $1174
Market Price $224
Mulya.ai Base $465
Analysts Median $225
Mulya.ai IV range ($453 · $1174)
Analysts Range ($208 · $259)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$62.1B7.9%20.6%$3.9B$6.7B$10.6B5.3%0.0%−$42.2B$6.65
2024.Q4$62.1B0.0%7.9%20.8%$3.9B$6.5B$10.4B6.0%0.0%−$43.6B$6.65
2025.Q1$75.3B21.4%14.2%20.8%$8.5B$6.8B$15.3B5.6%0.0%$28.7B$14.45
2025.Q4$75.3B0.0%14.2%20.5%$8.5B$6.3B$14.8B5.7%0.0%−$88.3B$14.45
2026.Q1$89.4B18.7%16.3%20.6%$11.6B$4.7B$16.2B5.4%0.0%$41.4B$19.709.0
italics below = DCF projection · 10yr Rev CAGR: 4.2%
2027.Q1$90.7B+1.4%16.3%20.5%$11.7B−$593MM$11.1B5.6%$10.5B28.1%$42.0B$19.9911.2
2028.Q1$96.2B+6.1%16.6%20.5%$12.7B−$2.5B$10.1B5.9%$9.1B29.3%$44.5B$21.6010.4
2029.Q1$100.9B+4.8%16.9%20.4%$13.5B−$2.1B$11.4B6.2%$9.6B29.7%$46.7B$23.059.7
2030.Q1$105.3B+4.4%17.1%20.3%$14.4B−$2.1B$12.3B6.5%$9.7B30.2%$48.7B$24.509.2
2031.Q1$109.8B+4.3%17.7%20.3%$15.5B−$2.1B$13.4B6.8%$9.9B31.2%$50.8B$26.438.5
Term. Yr+$140.3B4.1%17.7%20.0%$19.9B−$3.5B$16.4B8.6%$186.2B23.6%
Active scenario IV: $465 (+107.5% vs market)