FUTU vs. PGR: A Head-to-Head Stock Comparison

Updated on October 5, 2025

Here’s a clear look at FUTU and PGR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

FUTU trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, PGR is a standard domestic listing.

Symbol	FUTU	PGR
Company Name	Futu Holdings Limited	The Progressive Corporation
Country	Hong Kong	United States
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Insurance
Market Capitalization	23.67 billion USD	144.08 billion USD
Exchange	NasdaqGM	NYSE
Listing Date	March 8, 2019	March 17, 1980
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of FUTU and PGR by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

FUTU vs. PGR: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	FUTU	PGR
5-Day Price Return	-2.11%	0.53%
13-Week Price Return	39.57%	-6.10%
26-Week Price Return	66.08%	-13.18%
52-Week Price Return	50.62%	-3.43%
Month-to-Date Return	-2.26%	-0.51%
Year-to-Date Return	112.50%	2.54%
10-Day Avg. Volume	3.03M	2.72M
3-Month Avg. Volume	2.46M	3.34M
3-Month Volatility	52.90%	18.21%
Beta	0.20	0.40

Profitability

Return on Equity (TTM)

FUTU

26.37%

Capital Markets Industry

Max: 38.97%
Q3: 22.24%
Median: 13.52%
Q1: 8.61%
Min: -4.25%

In the upper quartile for the Capital Markets industry, FUTU’s Return on Equity of 26.37% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

PGR

36.50%

Insurance Industry

Max: 30.96%
Q3: 18.76%
Median: 14.22%
Q1: 10.34%
Min: 1.73%

PGR’s Return on Equity of 36.50% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

FUTU vs. PGR: A comparison of their Return on Equity (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Net Profit Margin (TTM)

FUTU

40.05%

Capital Markets Industry

Max: 69.91%
Q3: 37.24%
Median: 24.30%
Q1: 13.06%
Min: -15.18%

A Net Profit Margin of 40.05% places FUTU in the upper quartile for the Capital Markets industry, signifying strong profitability and more effective cost management than most of its peers.

PGR

12.66%

Insurance Industry

Max: 26.78%
Q3: 14.69%
Median: 9.87%
Q1: 6.59%
Min: -3.51%

PGR’s Net Profit Margin of 12.66% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

FUTU vs. PGR: A comparison of their Net Profit Margin (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Operating Profit Margin (TTM)

FUTU

48.72%

Capital Markets Industry

Max: 84.86%
Q3: 47.16%
Median: 32.23%
Q1: 18.65%
Min: -21.87%

An Operating Profit Margin of 48.72% places FUTU in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

PGR

16.28%

Insurance Industry

Max: 34.52%
Q3: 20.17%
Median: 14.46%
Q1: 9.62%
Min: -2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

FUTU vs. PGR: A comparison of their Operating Profit Margin (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Profitability at a Glance

Symbol	FUTU	PGR
Return on Equity (TTM)	26.37%	36.50%
Return on Assets (TTM)	4.65%	9.53%
Net Profit Margin (TTM)	40.05%	12.66%
Operating Profit Margin (TTM)	48.72%	16.28%
Gross Profit Margin (TTM)	82.01%	--

Financial Strength

Current Ratio (MRQ)

FUTU

1.18

Capital Markets Industry

Max: 3.37
Q3: 1.81
Median: 1.01
Q1: 0.56
Min: 0.04

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PGR

0.08

Insurance Industry

Max: 2.97
Q3: 1.37
Median: 0.54
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

FUTU vs. PGR: A comparison of their Current Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

FUTU

0.28

Capital Markets Industry

Max: 6.52
Q3: 2.79
Median: 0.96
Q1: 0.28
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

PGR

0.21

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.23
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

FUTU vs. PGR: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

FUTU

4,725.16

Capital Markets Industry

Max: 107.59
Q3: 48.41
Median: 10.85
Q1: 4.56
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

PGR

39.40

Insurance Industry

Max: 43.68
Q3: 21.45
Median: 9.67
Q1: 3.55
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

FUTU vs. PGR: A comparison of their Interest Coverage Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	FUTU	PGR
Current Ratio (MRQ)	1.18	0.08
Quick Ratio (MRQ)	1.18	0.04
Debt-to-Equity Ratio (MRQ)	0.28	0.21
Interest Coverage Ratio (TTM)	4,725.16	39.40

Growth

Revenue Growth

FUTU vs. PGR: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

FUTU vs. PGR: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

FUTU

0.00%

Capital Markets Industry

Max: 9.02%
Q3: 4.54%
Median: 2.55%
Q1: 1.27%
Min: 0.00%

FUTU currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

PGR

1.99%

Insurance Industry

Max: 9.80%
Q3: 5.18%
Median: 3.58%
Q1: 2.07%
Min: 0.00%

PGR’s Dividend Yield of 1.99% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

FUTU vs. PGR: A comparison of their Dividend Yield (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

FUTU

0.00%

Capital Markets Industry

Max: 199.38%
Q3: 99.28%
Median: 60.67%
Q1: 32.00%
Min: 0.00%

FUTU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

PGR

27.53%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 53.26%
Q1: 23.68%
Min: 0.00%

PGR’s Dividend Payout Ratio of 27.53% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

FUTU vs. PGR: A comparison of their Dividend Payout Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Dividend at a Glance

Symbol	FUTU	PGR
Dividend Yield (TTM)	0.00%	1.99%
Dividend Payout Ratio (TTM)	0.00%	27.53%

Valuation

Price-to-Earnings Ratio (TTM)

FUTU

22.77

Capital Markets Industry

Max: 51.69
Q3: 29.42
Median: 17.58
Q1: 12.55
Min: 5.59

FUTU’s P/E Ratio of 22.77 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

PGR

13.87

Insurance Industry

Max: 30.75
Q3: 18.11
Median: 12.67
Q1: 9.66
Min: 2.87

PGR’s P/E Ratio of 13.87 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

FUTU vs. PGR: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

FUTU

13.25

Capital Markets Industry

Max: 14.65
Q3: 7.29
Median: 4.53
Q1: 2.26
Min: 0.04

FUTU’s P/S Ratio of 13.25 is in the upper echelon for the Capital Markets industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

PGR

1.76

Insurance Industry

Max: 3.41
Q3: 1.88
Median: 1.22
Q1: 0.80
Min: 0.23

PGR’s P/S Ratio of 1.76 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

FUTU vs. PGR: A comparison of their Price-to-Sales Ratio (TTM) against their respective Capital Markets and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

FUTU

2.74

Capital Markets Industry

Max: 10.83
Q3: 5.12
Median: 2.66
Q1: 1.19
Min: 0.37

FUTU’s P/B Ratio of 2.74 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

PGR

4.80

Insurance Industry

Max: 4.57
Q3: 2.56
Median: 1.88
Q1: 1.20
Min: 0.17

At 4.80, PGR’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

FUTU vs. PGR: A comparison of their Price-to-Book Ratio (MRQ) against their respective Capital Markets and Insurance industry benchmarks.

Valuation at a Glance

Symbol	FUTU	PGR
Price-to-Earnings Ratio (TTM)	22.77	13.87
Price-to-Sales Ratio (TTM)	13.25	1.76
Price-to-Book Ratio (MRQ)	2.74	4.80
Price-to-Free Cash Flow Ratio (TTM)	8.82	8.78