FNF vs. PGR: Fidelity National Financial vs. Progressive Stock Comparison

Company Profile

Fidelity National Financial (FNF) and Progressive (PGR) are both classified in the Property & Casualty Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Progressive (PGR) at 33.24% sits in the top ROE quartile, while Fidelity National Financial (FNF) at 15.10% is closer to the peer norm — stronger capital efficiency for PGR.

Both Fidelity National Financial (FNF) at 7.00% and Progressive (PGR) at 12.67% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Fidelity National Financial (FNF) in Insurance and Progressive (PGR) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Fidelity National Financial (FNF) at 5.88% and Progressive (PGR) at 16.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Progressive (PGR) at 33.54% is around its peer norm for EPS growth, while Fidelity National Financial (FNF) at -52.47% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Fidelity National Financial (FNF) in Insurance and Progressive (PGR) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Fidelity National Financial (FNF) in Insurance and Progressive (PGR) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Fidelity National Financial (FNF) at 4.85% delivers top-quartile income for its industry, while Progressive (PGR) at 0.17% pays a more typical yield — both are credible income propositions, FNF the richer one.

Both Fidelity National Financial (FNF) at 53.20% and Progressive (PGR) at 70.03% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Both Fidelity National Financial (FNF) at 11.21 and Progressive (PGR) at 11.47 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Fidelity National Financial (FNF) at 0.79 sits in the cheaper P/S ratio quartile while Progressive (PGR) at 1.44 prices around its industry’s middle — FNF costs less per dollar of sales, though read it alongside growth and margins.

Fidelity National Financial (FNF) at 1.59 is valued about in line with its industry on P/B ratio, while Progressive (PGR) at 3.82 carries an above-peer premium to book — PGR is pricier on assets.

Valuation Metrics