Growth & Assumptions
Market & Balance Sheet Data
Cash Flow Projection
Valuation Breakdown
Calculated Fair Value
PGR (PGR) DCF Valuation Analysis
Independent intrinsic value calculation based on latest financial reports.
Our PGR DCF calculator utilizes a two-stage Discounted Cash Flow model to estimate the true value of PGR stock. As of the most recent quarterly report (12/31/2025), PGR generated $14,151,000,000 in Trailing Twelve Month (TTM) Free Cash Flow.
Key Valuation Metrics for PGR
By discounting PGR's future cash flows using an expected return of 11%, we can determine if the stock is currently trading at a margin of safety. A positive margin of safety suggests that market expectations may be too low relative to the company's historical cash flow productivity.
Final Verdict
For PGR to be considered a fair investment at current levels, it would need to sustain a cash flow growth rate of approximately 12.20% for the next five years. This valuation model accounts for PGR's current cash position of $10,005,000,192 and total debt of $6,896,999,936. With a fair value of $542.27, PGR shows potential upside for long-term investors.
Why use DCF for PGR?
Discounted Cash Flow is widely considered the most accurate method for valuing mature companies like PGR. Using our Free DCF Calculator, you can customize every assumption in this model to see how it affects the intrinsic value.