PGR · Verdict

A summary of rules, not a profit forecast — don’t buy just because of a green verdict.

• ▲ P/E 11.7 — cheap for this stock (over 10 y: from 10.2 to 109.9)
• ▼ P/E 11.7 vs peer median 10.5 — more expensive than peers
• ▲ P/S 1.5 vs peer median 1.9 — cheaper than peers
• ▼ EV/EBITDA 9.1 vs peer median 7.6 — more expensive than peers
• ▼ Cyclical company at peak earnings: P/E 11.7 is understated; on average earnings over 10 y it is 32.0

• ▲ ROE 33% — high return on equity
• ▲ Net margin rose: 1.5% → 12.9%
• ▲ Debt / equity 0.23 — moderate debt
• ▲ Free cash flow positive every year

• ▲ Revenue grows 15.5% per year (5 y)
• ▲ Earnings per share grows 14.8% per year (5 y)
• ▲ Analysts raised the earnings forecast by +4.9% in 90 days

• ▲ Over 6 mo stronger than its sector (XLF) by 7%
• ▲ Price above SMA200 — long-term uptrend
• ▲ SMA50 above SMA200 — trend up

• ▼ Risk/reward 1:0.5 — the target is closer than the stop
• ▼ Volatility 27% per year — much higher than the market (13%)

• ▲ Insiders buying over 6 mo

• ▲ S&P 500 above SMA200 — the market is in an uptrend
• ▲ Sector (XLF) above SMA200 — in an uptrend