Progressive Corporation (The) — Earnings Quality Grade A
PGR · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 81 days, change -12 days YoY
AR growth 1.6% vs revenue growth 16.3%
Revenue 16.3%, CFFO 16.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 22.1% vs revenue 16.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.55. Profits backed by cash
FCF $17.2B, FCF/NI = 1.52
Accruals ratio = -5.1%. Low accruals
Cash $19.8B covers debt $6.9B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor PGR continuously
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Altman Z-Score — Not Applicable
Progressive Corporation (The) is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25